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

Europe - Euronext Milan - BIT:1WFC - US9497461015 - Common Stock

80.12 EUR
+5.05 (+6.73%)
Last: 12/30/2025, 7:00:00 PM
Fundamental Rating

3

Taking everything into account, 1WFC scores 3 out of 10 in our fundamental rating. 1WFC was compared to 118 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.
  • 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.
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 0 10B -10B 20B 30B 40B

1.2 Ratios

  • 1WFC has a Return On Assets of 0.97%. This is in the better half of the industry: 1WFC outperforms 64.91% of its industry peers.
  • 1WFC has a Return On Equity (11.02%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.97%
ROE 11.02%
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
1WFC.MI Yearly ROA, ROE, ROIC1WFC.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 52.63% of its industry peers.
  • 1WFC's Profit Margin has improved in the last couple of years.
  • 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) 24.13%
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
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 5 10 15 20 25

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1

2. Health

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
  • The debt/assets ratio for 1WFC is higher compared to a year ago.
1WFC.MI Yearly Shares Outstanding1WFC.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 500B 1T 1.5T

2.2 Solvency

  • 1WFC has a Debt/Equity ratio of 2.25. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 2.25, 1WFC perfoms like the industry average, outperforming 43.86% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.25
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.05%
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 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 50B 100B 150B

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4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 13.15% over the past year.
  • The Earnings Per Share has been growing slightly by 5.61% on average over the past years.
  • 1WFC shows a small growth in Revenue. In the last year, the Revenue has grown by 0.47%.
  • Measured over the past years, 1WFC shows a decrease in Revenue. The Revenue has been decreasing by -1.07% on average per year.
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

  • Based on estimates for the next years, 1WFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.45% on average per year.
  • 1WFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.75% yearly.
EPS Next Y11.97%
EPS Next 2Y11.63%
EPS Next 3Y12.31%
EPS Next 5Y9.45%
Revenue Next Year1.64%
Revenue Next 2Y3.44%
Revenue Next 3Y3.7%
Revenue Next 5Y2.75%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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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2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.26 indicates a correct valuation of 1WFC.
  • Based on the Price/Earnings ratio, 1WFC is valued more expensive than 82.46% of the companies in the same industry.
  • 1WFC is valuated rather cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 13.16, 1WFC is valued correctly.
  • 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 24.31. 1WFC is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 15.26
Fwd PE 13.16
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

  • 1WFC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • 1WFC's earnings are expected to grow with 12.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.27
PEG (5Y)2.72
EPS Next 2Y11.63%
EPS Next 3Y12.31%

More info and screens

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.09%, 1WFC is a good candidate for dividend investing.
  • 1WFC's Dividend Yield is a higher than the industry average which is at 4.05.
  • Compared to an average S&P500 Dividend Yield of 1.92, 1WFC pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.09%

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 32.40% of its income as dividend. This is a sustainable payout ratio.
DP32.4%
EPS Next 2Y11.63%
EPS Next 3Y12.31%
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 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 (12/30/2025, 7:00:00 PM)

80.12

+5.05 (+6.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-14
Earnings (Next)01-14
Inst Owners79.13%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap251.50B
Revenue(TTM)82.78B
Net Income(TTM)19.97B
Analysts75.86
Price Target83.43 (4.13%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.09%
Yearly Dividend1.55
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)10.01%
PT rev (3m)10.01%
EPS NQ rev (1m)0.36%
EPS NQ rev (3m)8.81%
EPS NY rev (1m)0.17%
EPS NY rev (3m)4.76%
Revenue NQ rev (1m)0.26%
Revenue NQ rev (3m)2.1%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)0.91%
Valuation
Industry RankSector Rank
PE 15.26
Fwd PE 13.16
P/S 3.54
P/FCF N/A
P/OCF N/A
P/B 1.62
P/tB 1.96
EV/EBITDA N/A
EPS(TTM)5.25
EY6.55%
EPS(NY)6.09
Fwd EY7.6%
FCF(TTM)-3.89
FCFYN/A
OCF(TTM)-3.89
OCFYN/A
SpS22.65
BVpS49.57
TBVpS40.85
PEG (NY)1.27
PEG (5Y)2.72
Graham Number76.52
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)0.85%
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 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
WACC12.05%
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 Y11.97%
EPS Next 2Y11.63%
EPS Next 3Y12.31%
EPS Next 5Y9.45%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y1.3%
Revenue growth 5Y-1.07%
Sales Q2Q%5.25%
Revenue Next Year1.64%
Revenue Next 2Y3.44%
Revenue Next 3Y3.7%
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-148.36%
FCF growth 3YN/A
FCF growth 5Y-14.72%
OCF growth 1Y-148.36%
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.


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

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.


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

The Price/Earnings (PE) ratio for WELLS FARGO & CO (1WFC.MI) is 15.26 and the Price/Book (PB) ratio is 1.62.


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

The dividend rating of WELLS FARGO & CO (1WFC.MI) is 3 / 10 and the dividend payout ratio is 32.4%.