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

BIT:1WFC • US9497461015

Current stock price

69.52 EUR
+2.59 (+3.87%)
Last:

This 1WFC.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 1WFC.MI Profitability Analysis

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 0.94% is fine compared to the rest of the industry. 1WFC outperforms 62.38% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.20%, 1WFC is in line with its industry, outperforming 51.49% of the companies in the same industry.
Industry RankSector Rank
ROA 0.94%
ROE 11.2%
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

  • The Profit Margin of 1WFC (24.24%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of 1WFC has grown nicely.
  • 1WFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.24%
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. 1WFC.MI Health Analysis

2.1 Basic Checks

  • 1WFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for 1WFC has been reduced compared to 1 year ago.
  • Compared to 5 years ago, 1WFC has less shares outstanding
  • Compared to 1 year ago, 1WFC has a worse debt to assets ratio.
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

  • 1WFC has a Debt/Equity ratio of 2.35. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 2.35, 1WFC perfoms like the industry average, outperforming 42.57% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.35
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.52%
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. 1WFC.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.08% over the past year.
  • 1WFC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 71.88% yearly.
  • 1WFC shows a small growth in Revenue. In the last year, the Revenue has grown by 1.70%.
  • The Revenue has been growing slightly by 2.42% on average over the past years.
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.
  • Based on estimates for the next years, 1WFC will show a small growth in Revenue. The Revenue will grow by 3.06% on average per year.
EPS Next Y14.85%
EPS Next 2Y14.2%
EPS Next 3Y12.99%
EPS Next 5Y7.25%
Revenue Next Year5.06%
Revenue Next 2Y4.81%
Revenue Next 3Y4.79%
Revenue Next 5Y3.06%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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4

4. 1WFC.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.19 indicates a correct valuation of 1WFC.
  • Based on the Price/Earnings ratio, 1WFC is valued a bit more expensive than the industry average as 76.24% of the companies are valued more cheaply.
  • 1WFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.54.
  • Based on the Price/Forward Earnings ratio of 11.50, the valuation of 1WFC can be described as reasonable.
  • 1WFC's Price/Forward Earnings ratio is in line with the industry average.
  • 1WFC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.68.
Industry RankSector Rank
PE 13.19
Fwd PE 11.5
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 50

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • 1WFC's earnings are expected to grow with 12.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.89
PEG (5Y)0.18
EPS Next 2Y14.2%
EPS Next 3Y12.99%

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

4

5. 1WFC.MI Dividend Analysis

5.1 Amount

  • 1WFC has a Yearly Dividend Yield of 2.04%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.48, 1WFC's dividend is way lower than its industry peers. On top of this 87.13% of the companies listed in the same industry pay a better dividend than 1WFC!
  • 1WFC's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.04%

5.2 History

  • On average, the dividend of 1WFC grows each year by 6.49%, which is quite nice.
Dividend Growth(5Y)6.49%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 31.96% of the earnings are spent on dividend by 1WFC. This is a low number and sustainable payout ratio.
  • The dividend of 1WFC is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP31.96%
EPS Next 2Y14.2%
EPS Next 3Y12.99%
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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1WFC.MI Fundamentals: All Metrics, Ratios and Statistics

WELLS FARGO & CO

BIT:1WFC (4/20/2026, 7:00:00 PM)

69.52

+2.59 (+3.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength58.39
Industry Growth85.71
Earnings (Last)01-14
Earnings (Next)04-14
Inst Owners79.25%
Inst Owner ChangeN/A
Ins Owners0.11%
Ins Owner ChangeN/A
Market Cap214.51B
Revenue(TTM)83.70B
Net Income(TTM)20.29B
Analysts76.77
Price Target87.99 (26.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.04%
Yearly Dividend1.76
Dividend Growth(5Y)6.49%
DP31.96%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.16%
Min EPS beat(2)-4.04%
Max EPS beat(2)6.37%
EPS beat(4)3
Avg EPS beat(4)4.21%
Min EPS beat(4)-4.04%
Max EPS beat(4)8.25%
EPS beat(8)7
Avg EPS beat(8)7.99%
EPS beat(12)11
Avg EPS beat(12)8.2%
EPS beat(16)14
Avg EPS beat(16)7.33%
Revenue beat(2)1
Avg Revenue beat(2)-1.15%
Min Revenue beat(2)-2.62%
Max Revenue beat(2)0.33%
Revenue beat(4)1
Avg Revenue beat(4)-1.72%
Min Revenue beat(4)-3.85%
Max Revenue beat(4)0.33%
Revenue beat(8)3
Avg Revenue beat(8)-0.86%
Revenue beat(12)6
Avg Revenue beat(12)-0.09%
Revenue beat(16)7
Avg Revenue beat(16)-0.24%
PT rev (1m)3.09%
PT rev (3m)16.02%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)3.33%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)0.62%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.32%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)0.19%
Valuation
Industry RankSector Rank
PE 13.19
Fwd PE 11.5
P/S 2.99
P/FCF N/A
P/OCF N/A
P/B 1.38
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)5.27
EY7.58%
EPS(NY)6.05
Fwd EY8.7%
FCF(TTM)-5.27
FCFYN/A
OCF(TTM)-5.27
OCFYN/A
SpS23.22
BVpS50.25
TBVpS43.33
PEG (NY)0.89
PEG (5Y)0.18
Graham Number77.1937 (11.04%)
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 11.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.24%
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-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.35
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-Score4
WACC10.52%
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 Y14.85%
EPS Next 2Y14.2%
EPS Next 3Y12.99%
EPS Next 5Y7.25%
Revenue 1Y (TTM)1.7%
Revenue growth 3Y4.02%
Revenue growth 5Y2.42%
Sales Q2Q%4.49%
Revenue Next Year5.06%
Revenue Next 2Y4.81%
Revenue Next 3Y4.79%
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-726.06%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-726.06%
OCF growth 3YN/A
OCF growth 5YN/A

WELLS FARGO & CO / 1WFC.MI Fundamental Analysis 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 4 / 10 to WELLS FARGO & CO (1WFC.MI). This can be considered as Fairly Valued.


How profitable is WELLS FARGO & CO (1WFC.MI) stock?

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


What is the expected EPS growth for WELLS FARGO & CO (1WFC.MI) stock?

The Earnings per Share (EPS) of WELLS FARGO & CO (1WFC.MI) is expected to grow by 14.85% in the next year.


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

The dividend rating of WELLS FARGO & CO (1WFC.MI) is 4 / 10 and the dividend payout ratio is 31.96%.