1WFC Fundamental Analysis - WELLS FARGO & CO

Fundamental Rating

Overall 1WFC gets a fundamental rating of 3 out of 10. We evaluated 1WFC against 95 industry peers in the Banks industry. Both the profitability and financial health of 1WFC have multiple concerns. 1WFC does not seem to be growing, but still is valued expensively.

Quickly go to:

1. Profitability

1.1 Basic Checks

1WFC had positive earnings in the past year.

1WFC had a positive 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.

1.2 Ratios

With a decent Return On Assets value of 0.97%, 1WFC is doing good in the industry, outperforming 69.47% of the companies in the same industry.

With a Return On Equity value of 10.44%, 1WFC perfoms like the industry average, outperforming 55.79% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.97%
ROE	10.44%
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 (23.18%) which is in line with its industry peers.

1WFC's Profit Margin has improved in the last couple of years.

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)	23.18%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

2.2 Solvency

The Debt to FCF ratio of 1WFC is 76.02, which is on the high side as it means it would take 1WFC, 76.02 years of fcf income to pay off all of its debts.

1WFC's Debt to FCF ratio of 76.02 is fine compared to the rest of the industry. 1WFC outperforms 69.47% of its industry peers.

A Debt/Equity ratio of 1.73 is on the high side and indicates that 1WFC has dependencies on debt financing.

1WFC has a Debt to Equity ratio (1.73) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	1.73
Debt/FCF	76.02
Altman-Z	N/A

ROIC/WACCN/A

WACC12.5%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

1WFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.98%, which is quite good.

The Earnings Per Share has been growing slightly by 5.61% on average over the past years.

Looking at the last year, 1WFC shows a decrease in Revenue. The Revenue has decreased by -1.39% in the last year.

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)10.98%

EPS 3Y5.11%

EPS 5Y5.61%

EPS Q2Q%5.56%

Revenue 1Y (TTM)-1.39%

Revenue growth 3Y1.3%

Revenue growth 5Y-1.07%

Sales Q2Q%-3.42%

3.2 Future

The Earnings Per Share is expected to grow by 6.03% on average over the next years.

1WFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.39% yearly.

EPS Next Y3.07%

EPS Next 2Y8.75%

EPS Next 3Y10.97%

EPS Next 5Y6.03%

Revenue Next Year0.76%

Revenue Next 2Y2.77%

Revenue Next 3Y3.39%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same 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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.02, 1WFC is valued correctly.

Based on the Price/Earnings ratio, 1WFC is valued more expensive than 82.11% of the companies in the same industry.

1WFC is valuated rather cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.

1WFC is valuated correctly with a Price/Forward Earnings ratio of 12.01.

Compared to the rest of the industry, the Price/Forward Earnings ratio of 1WFC indicates a slightly more expensive valuation: 1WFC is more expensive than 72.63% of the companies listed in the same industry.

1WFC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.73, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	14.02
Fwd PE	12.01

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1WFC indicates a somewhat cheap valuation: 1WFC is cheaper than 68.42% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	63.79
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)4.57

PEG (5Y)2.5

EPS Next 2Y8.75%

EPS Next 3Y10.97%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.00%, 1WFC has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 4.93, 1WFC's dividend is way lower than its industry peers. On top of this 89.47% of the companies listed in the same industry pay a better dividend than 1WFC!

Compared to an average S&P500 Dividend Yield of 2.38, 1WFC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2%

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

33.45% of the earnings are spent on dividend by 1WFC. This is a low number and sustainable payout ratio.

DP33.45%

EPS Next 2Y8.75%

EPS Next 3Y10.97%

More info and screens

Find the best dividend stocks

Show peers with best dividend

WELLS FARGO & CO

BIT:1WFC (9/11/2025, 7:00:00 PM)

68.97

+3.42 (+5.22%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-11 2025-04-11/bmo

Earnings (Next)07-15 2025-07-15/bmo

Inst Owners78.59%

Inst Owner ChangeN/A

Ins Owners0.1%

Ins Owner ChangeN/A

Market Cap224.44B

Analysts77.86

Price Target71.23 (3.28%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2%

Yearly Dividend1.55

Dividend Growth(5Y)-3.84%

DP33.45%

Div Incr YearsN/A

Div Non Decr YearsN/A

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)11.11%

Min EPS beat(2)6.28%

Max EPS beat(2)15.95%

EPS beat(4)4

Avg EPS beat(4)10.34%

Min EPS beat(4)1.93%

Max EPS beat(4)17.22%

EPS beat(8)8

Avg EPS beat(8)10.02%

EPS beat(12)11

Avg EPS beat(12)8.17%

EPS beat(16)15

Avg EPS beat(16)11.14%

Revenue beat(2)0

Avg Revenue beat(2)-2.92%

Min Revenue beat(2)-3.85%

Max Revenue beat(2)-2%

Revenue beat(4)1

Avg Revenue beat(4)-1.53%

Min Revenue beat(4)-3.85%

Max Revenue beat(4)0.95%

Revenue beat(8)4

Avg Revenue beat(8)-0.03%

Revenue beat(12)6

Avg Revenue beat(12)0.05%

Revenue beat(16)9

Avg Revenue beat(16)1.65%

PT rev (1m)5.18%

PT rev (3m)-12.21%

EPS NQ rev (1m)-0.16%

EPS NQ rev (3m)-4.63%

EPS NY rev (1m)0.16%

EPS NY rev (3m)-1.33%

Revenue NQ rev (1m)-0.1%

Revenue NQ rev (3m)-1.36%

Revenue NY rev (1m)0.01%

Revenue NY rev (3m)-1.88%

Valuation

		Industry Rank	Sector Rank
PE	14.02
Fwd PE	12.01
P/S	3.22
P/FCF	63.79
P/OCF	63.79
P/B	1.45
P/tB	1.77
EV/EBITDA	N/A

EPS(TTM)4.92

EY7.13%

EPS(NY)5.74

Fwd EY8.33%

FCF(TTM)1.08

FCFY1.57%

OCF(TTM)1.08

OCFY1.57%

SpS21.39

BVpS47.49

TBVpS39.02

PEG (NY)4.57

PEG (5Y)2.5

Profitability

		Industry Rank	Sector Rank
ROA	0.97%
ROE	10.44%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.18%
GM	N/A
FCFM	5.05%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	1.73
Debt/FCF	76.02
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	21.8%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC12.5%

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)10.98%

EPS 3Y5.11%

EPS 5Y5.61%

EPS Q2Q%5.56%

EPS Next Y3.07%

EPS Next 2Y8.75%

EPS Next 3Y10.97%

EPS Next 5Y6.03%

Revenue 1Y (TTM)-1.39%

Revenue growth 3Y1.3%

Revenue growth 5Y-1.07%

Sales Q2Q%-3.42%

Revenue Next Year0.76%

Revenue Next 2Y2.77%

Revenue Next 3Y3.39%

Revenue Next 5YN/A

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-87.96%

FCF growth 3YN/A

FCF growth 5Y-14.72%

OCF growth 1Y-87.96%

OCF growth 3YN/A

OCF growth 5Y-14.72%

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens