WELLS FARGO & CO (1WFC.MI) Stock Fundamental Analysis
Europe - BIT:1WFC - US9497461015 - Common Stock
75.07 EUR
+2.03 (+2.78%)
Taking everything into account, 1WFC scores 3 out of 10 in our fundamental rating. 1WFC was compared to 95 industry peers in the Banks industry. Both the profitability and financial health of 1WFC have multiple concerns. 1WFC is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1WFC was profitable.
In the past year 1WFC has reported a negative cash flow from operations.
Each year in the past 5 years 1WFC has been profitable.
1WFC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
1WFC has a Return On Assets of 0.98%. This is in the better half of the industry: 1WFC outperforms 67.68% of its industry peers.
1WFC has a Return On Equity (10.76%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 10.76% | ||
| ROIC | N/A |
ROA(3y)0.85%
ROA(5y)0.74%
ROE(3y)9.01%
ROE(5y)7.82%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
1WFC has a Profit Margin (23.84%) which is comparable to the rest of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.91%
PM growth 5Y1.63%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1WFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
1WFC has less shares outstanding than it did 1 year ago.
The number of shares outstanding for 1WFC has been reduced compared to 5 years ago.
The debt/assets ratio for 1WFC is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 2.01 is on the high side and indicates that 1WFC has dependencies on debt financing.
1WFC has a Debt to Equity ratio (2.01) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.01 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.18%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1WFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.15%, which is quite good.
1WFC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.61% yearly.
The Revenue has been growing slightly by 0.47% in the past year.
1WFC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.07% yearly.
EPS 1Y (TTM)13.15%
EPS 3Y5.11%
EPS 5Y5.61%
EPS Q2Q%9.21%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y1.3%
Revenue growth 5Y-1.07%
Sales Q2Q%5.25%
3.2 Future
1WFC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.53% yearly.
1WFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.75% yearly.
EPS Next Y11.78%
EPS Next 2Y11.07%
EPS Next 3Y12.04%
EPS Next 5Y6.53%
Revenue Next Year1.55%
Revenue Next 2Y3.25%
Revenue Next 3Y3.58%
Revenue Next 5Y2.75%
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 stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.27, which indicates a correct valuation of 1WFC.
Compared to the rest of the industry, the Price/Earnings ratio of 1WFC indicates a rather expensive valuation: 1WFC more expensive than 81.82% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.11, 1WFC is valued a bit cheaper.
The Price/Forward Earnings ratio is 12.42, which indicates a correct valuation of 1WFC.
75.76% of the companies in the same industry are cheaper than 1WFC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of 1WFC to the average of the S&P500 Index (22.55), we can say 1WFC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.27 | ||
| Fwd PE | 12.42 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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 12.04% in the coming years.
PEG (NY)1.21
PEG (5Y)2.54
EPS Next 2Y11.07%
EPS Next 3Y12.04%
5. Dividend
5.1 Amount
1WFC has a Yearly Dividend Yield of 2.13%.
Compared to an average industry Dividend Yield of 4.84, 1WFC's dividend is way lower than its industry peers. On top of this 90.91% 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 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
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
1WFC pays out 32.75% of its income as dividend. This is a sustainable payout ratio.
DP32.75%
EPS Next 2Y11.07%
EPS Next 3Y12.04%
BIT:1WFC (10/15/2025, 7:00:00 PM)
75.07
+2.03 (+2.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.15%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap236.39B
Revenue(TTM)82.78B
Net Income(TTM)19.48B
Analysts76
Price Target75.84 (1.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
Yearly Dividend1.56
Dividend Growth(5Y)-3.84%
DP32.75%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.26%
Min EPS beat(2)6.28%
Max EPS beat(2)8.25%
EPS beat(4)4
Avg EPS beat(4)11.92%
Min EPS beat(4)6.28%
Max EPS beat(4)17.22%
EPS beat(8)8
Avg EPS beat(8)10.15%
EPS beat(12)11
Avg EPS beat(12)8.75%
EPS beat(16)15
Avg EPS beat(16)9.14%
Revenue beat(2)0
Avg Revenue beat(2)-2.29%
Min Revenue beat(2)-3.85%
Max Revenue beat(2)-0.73%
Revenue beat(4)0
Avg Revenue beat(4)-1.95%
Min Revenue beat(4)-3.85%
Max Revenue beat(4)-0.73%
Revenue beat(8)3
Avg Revenue beat(8)-0.26%
Revenue beat(12)6
Avg Revenue beat(12)0.3%
Revenue beat(16)8
Avg Revenue beat(16)0.8%
PT rev (1m)0.57%
PT rev (3m)6.48%
EPS NQ rev (1m)1.17%
EPS NQ rev (3m)2.43%
EPS NY rev (1m)4.58%
EPS NY rev (3m)8.45%
Revenue NQ rev (1m)0.35%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0.91%
Revenue NY rev (3m)0.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.27 | ||
| Fwd PE | 12.42 | ||
| P/S | 3.36 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.52 | ||
| P/tB | 1.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.26
EY7.01%
EPS(NY)6.05
Fwd EY8.05%
FCF(TTM)-2.5
FCFYN/A
OCF(TTM)-2.5
OCFYN/A
SpS22.35
BVpS49.53
TBVpS40.5
PEG (NY)1.21
PEG (5Y)2.54
Graham Number76.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 10.76% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.84% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.85%
ROA(5y)0.74%
ROE(3y)9.01%
ROE(5y)7.82%
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 3Y-4.91%
PM growth 5Y1.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.01 | ||
| 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
WACC12.18%
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)152.02%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.15%
EPS 3Y5.11%
EPS 5Y5.61%
EPS Q2Q%9.21%
EPS Next Y11.78%
EPS Next 2Y11.07%
EPS Next 3Y12.04%
EPS Next 5Y6.53%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y1.3%
Revenue growth 5Y-1.07%
Sales Q2Q%5.25%
Revenue Next Year1.55%
Revenue Next 2Y3.25%
Revenue Next 3Y3.58%
Revenue Next 5Y2.75%
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-135.28%
FCF growth 3YN/A
FCF growth 5Y-14.72%
OCF growth 1Y-135.28%
OCF growth 3YN/A
OCF growth 5Y-14.72%
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.
What is the valuation status of WELLS FARGO & CO (1WFC.MI) stock?
ChartMill assigns a valuation rating of 2 / 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.
What is the valuation of WELLS FARGO & CO based on its PE and PB ratios?
The Price/Earnings (PE) ratio for WELLS FARGO & CO (1WFC.MI) is 14.27 and the Price/Book (PB) ratio is 1.52.
What is the earnings growth outlook for WELLS FARGO & CO?
The Earnings per Share (EPS) of WELLS FARGO & CO (1WFC.MI) is expected to grow by 11.78% in the next year.