WELLS FARGO & CO (1WFC.MI) Stock Fundamental Analysis

BIT:1WFC • US9497461015

79.57 EUR
-0.55 (-0.69%)
Last: Feb 4, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to 1WFC. 1WFC was compared to 108 industry peers in the Banks industry. 1WFC has a bad profitability rating. Also its financial health evaluation is rather negative. 1WFC is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • 1WFC had positive earnings in the past year.
  • 1WFC had a negative operating cash flow in the past year.
  • In the past 5 years 1WFC has always been profitable.
  • In multiple years 1WFC reported negative operating cash flow during the last 5 years.
1WFC.MI Yearly Net Income VS EBIT VS OCF VS FCF1WFC.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B 30B 40B

1.2 Ratios

  • 1WFC's Return On Assets of 0.97% is in line compared to the rest of the industry. 1WFC outperforms 55.26% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.02%, 1WFC is in line with its industry, outperforming 50.00% of the companies in the same industry.
Industry RankSector Rank
ROA 0.97%
ROE 11.02%
ROIC N/A
ROA(3y)0.95%
ROA(5y)0.92%
ROE(3y)10.42%
ROE(5y)9.87%
ROIC(3y)N/A
ROIC(5y)N/A
1WFC.MI Yearly ROA, ROE, ROIC1WFC.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • 1WFC has a Profit Margin of 24.13%. This is comparable to the rest of the industry: 1WFC outperforms 50.88% of its industry peers.
  • In the last couple of years the Profit Margin of 1WFC has grown nicely.
  • The Operating Margin and Gross Margin are not available for 1WFC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.79%
PM growth 5Y58.73%
GM growth 3YN/A
GM growth 5YN/A
1WFC.MI Yearly Profit, Operating, Gross Margins1WFC.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • 1WFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, 1WFC has less shares outstanding
  • 1WFC has less shares outstanding than it did 5 years ago.
  • 1WFC has a worse debt/assets ratio than last year.
1WFC.MI Yearly Shares Outstanding1WFC.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B
1WFC.MI Yearly Total Debt VS Total Assets1WFC.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T 2T

2.2 Solvency

  • A Debt/Equity ratio of 2.25 is on the high side and indicates that 1WFC has dependencies on debt financing.
  • 1WFC has a Debt to Equity ratio (2.25) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.25
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.91%
1WFC.MI Yearly LT Debt VS Equity VS FCF1WFC.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B 100B 150B 200B 250B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1WFC.MI Yearly Current Assets VS Current Liabilites1WFC.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 8.08% over the past year.
  • The Earnings Per Share has been growing by 71.88% on average over the past years. This is a very strong growth
  • Looking at the last year, 1WFC shows a small growth in Revenue. The Revenue has grown by 1.70% in the last year.
  • Measured over the past years, 1WFC shows a small growth in Revenue. The Revenue has been growing by 2.42% on average per year.
EPS 1Y (TTM)8.08%
EPS 3Y19.43%
EPS 5Y71.88%
EPS Q2Q%2.53%
Revenue 1Y (TTM)1.7%
Revenue growth 3Y4.02%
Revenue growth 5Y2.42%
Sales Q2Q%4.49%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.25% on average over the next years.
  • The Revenue is expected to grow by 3.06% on average over the next years.
EPS Next Y14.99%
EPS Next 2Y14.27%
EPS Next 3Y12.88%
EPS Next 5Y7.25%
Revenue Next Year5.14%
Revenue Next 2Y4.85%
Revenue Next 3Y4.87%
Revenue Next 5Y3.06%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
1WFC.MI Yearly Revenue VS Estimates1WFC.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 20B 40B 60B 80B 100B
1WFC.MI Yearly EPS VS Estimates1WFC.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8 10

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3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 15.36, 1WFC is valued correctly.
  • 86.84% of the companies in the same industry are cheaper than 1WFC, based on the Price/Earnings ratio.
  • 1WFC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 13.35, the valuation of 1WFC can be described as correct.
  • Based on the Price/Forward Earnings ratio, 1WFC is valued a bit more expensive than the industry average as 75.44% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 27.75. 1WFC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 15.36
Fwd PE 13.35
1WFC.MI Price Earnings VS Forward Price Earnings1WFC.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1WFC.MI Per share data1WFC.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as 1WFC's earnings are expected to grow with 12.88% in the coming years.
PEG (NY)1.02
PEG (5Y)0.21
EPS Next 2Y14.27%
EPS Next 3Y12.88%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.04%, 1WFC has a reasonable but not impressive dividend return.
  • With a Dividend Yield of 2.04, 1WFC pays less dividend than the industry average, which is at 4.37. 88.60% of the companies listed in the same industry pay a better dividend than 1WFC!
  • Compared to an average S&P500 Dividend Yield of 1.80, 1WFC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.04%

5.2 History

  • The dividend of 1WFC decreases each year by -3.84%.
Dividend Growth(5Y)-3.84%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 32.40% of the earnings are spent on dividend by 1WFC. This is a low number and sustainable payout ratio.
DP32.4%
EPS Next 2Y14.27%
EPS Next 3Y12.88%
1WFC.MI Yearly Income VS Free CF VS Dividend1WFC.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B 30B 40B
1WFC.MI Dividend Payout.1WFC.MI Dividend Payout, showing the Payout Ratio.1WFC.MI Dividend Payout.PayoutRetained Earnings

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WELLS FARGO & CO

BIT:1WFC (2/4/2026, 7:00:00 PM)

79.57

-0.55 (-0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14
Earnings (Next)04-14
Inst Owners79.13%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap246.08B
Revenue(TTM)83.70B
Net Income(TTM)19.97B
Analysts75.48
Price Target85.35 (7.26%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.04%
Yearly Dividend1.53
Dividend Growth(5Y)-3.84%
DP32.4%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.31%
Min EPS beat(2)6.37%
Max EPS beat(2)8.25%
EPS beat(4)4
Avg EPS beat(4)9.21%
Min EPS beat(4)6.28%
Max EPS beat(4)15.95%
EPS beat(8)8
Avg EPS beat(8)9.58%
EPS beat(12)11
Avg EPS beat(12)7.8%
EPS beat(16)15
Avg EPS beat(16)8.19%
Revenue beat(2)1
Avg Revenue beat(2)-0.2%
Min Revenue beat(2)-0.73%
Max Revenue beat(2)0.33%
Revenue beat(4)1
Avg Revenue beat(4)-1.56%
Min Revenue beat(4)-3.85%
Max Revenue beat(4)0.33%
Revenue beat(8)3
Avg Revenue beat(8)-0.55%
Revenue beat(12)6
Avg Revenue beat(12)0.07%
Revenue beat(16)8
Avg Revenue beat(16)0.72%
PT rev (1m)2.3%
PT rev (3m)12.54%
EPS NQ rev (1m)-0.81%
EPS NQ rev (3m)-0.46%
EPS NY rev (1m)-0.26%
EPS NY rev (3m)0.74%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)0.27%
Valuation
Industry RankSector Rank
PE 15.36
Fwd PE 13.35
P/S 3.53
P/FCF N/A
P/OCF N/A
P/B 1.61
P/tB 1.97
EV/EBITDA N/A
EPS(TTM)5.18
EY6.51%
EPS(NY)5.96
Fwd EY7.49%
FCF(TTM)-3.88
FCFYN/A
OCF(TTM)-3.88
OCFYN/A
SpS22.57
BVpS49.38
TBVpS40.46
PEG (NY)1.02
PEG (5Y)0.21
Graham Number75.86
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 11.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.13%
GM N/A
FCFM N/A
ROA(3y)0.95%
ROA(5y)0.92%
ROE(3y)10.42%
ROE(5y)9.87%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.79%
PM growth 5Y58.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.25
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.91%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.08%
EPS 3Y19.43%
EPS 5Y71.88%
EPS Q2Q%2.53%
EPS Next Y14.99%
EPS Next 2Y14.27%
EPS Next 3Y12.88%
EPS Next 5Y7.25%
Revenue 1Y (TTM)1.7%
Revenue growth 3Y4.02%
Revenue growth 5Y2.42%
Sales Q2Q%4.49%
Revenue Next Year5.14%
Revenue Next 2Y4.85%
Revenue Next 3Y4.87%
Revenue Next 5Y3.06%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-215.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-215.28%
OCF growth 3YN/A
OCF growth 5YN/A

WELLS FARGO & CO / 1WFC.MI FAQ

What is the ChartMill fundamental rating of WELLS FARGO & CO (1WFC.MI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to 1WFC.MI.


Can you provide the valuation status for WELLS FARGO & CO?

ChartMill assigns a valuation rating of 3 / 10 to WELLS FARGO & CO (1WFC.MI). This can be considered as Overvalued.


What is the profitability of 1WFC stock?

WELLS FARGO & CO (1WFC.MI) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for 1WFC stock?

The Price/Earnings (PE) ratio for WELLS FARGO & CO (1WFC.MI) is 15.36 and the Price/Book (PB) ratio is 1.61.


How sustainable is the dividend of WELLS FARGO & CO (1WFC.MI) stock?

The dividend rating of WELLS FARGO & CO (1WFC.MI) is 6 / 10 and the dividend payout ratio is 32.4%.