1WFC Fundamental Analysis - WELLS FARGO & CO

Fundamental Rating

Overall 1WFC gets a fundamental rating of 3 out of 10. We evaluated 1WFC against 98 industry peers in the Banks industry. 1WFC may be in some trouble as it scores bad on both profitability and health. 1WFC does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year 1WFC was profitable.

1WFC had a negative operating cash flow in the past year.

In the past 5 years 1WFC has always been profitable.

1WFC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.98%, 1WFC is in the better half of the industry, outperforming 68.37% of the companies in the same industry.

With a Return On Equity value of 10.76%, 1WFC perfoms like the industry average, outperforming 56.12% of the companies in the same industry.

		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

The Profit Margin of 1WFC (23.84%) is comparable to the rest of the industry.

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)	23.84%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

1WFC has less shares outstanding than it did 5 years ago.

The debt/assets ratio for 1WFC is higher compared to a year ago.

2.2 Solvency

1WFC has a Debt/Equity ratio of 2.01. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of 1WFC (2.01) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.01
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC12.45%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

1WFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.28%, which is quite good.

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

The Revenue has decreased by -1.41% in the past 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)13.28%

EPS 3Y5.11%

EPS 5Y5.61%

EPS Q2Q%15.79%

Revenue 1Y (TTM)-1.41%

Revenue growth 3Y1.3%

Revenue growth 5Y-1.07%

Sales Q2Q%0.64%

3.2 Future

The Earnings Per Share is expected to grow by 6.53% 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 2.75% on average per year.

EPS Next Y6.88%

EPS Next 2Y8.82%

EPS Next 3Y10.66%

EPS Next 5Y6.53%

Revenue Next Year0.72%

Revenue Next 2Y2.69%

Revenue Next 3Y3.3%

Revenue Next 5Y2.75%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.35, 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 82.65% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 27.86. 1WFC is valued slightly cheaper when compared to this.

With a Price/Forward Earnings ratio of 12.72, 1WFC is valued correctly.

Based on the Price/Forward Earnings ratio, 1WFC is valued a bit more expensive than the industry average as 77.55% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.32, 1WFC is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	14.35
Fwd PE	12.72

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
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)2.08

PEG (5Y)2.56

EPS Next 2Y8.82%

EPS Next 3Y10.66%

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5. Dividend

5.1 Amount

1WFC has a Yearly Dividend Yield of 5.93%, which is a nice return.

Compared to an average industry Dividend Yield of 4.84, 1WFC pays a bit more dividend than its industry peers.

1WFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	5.93%

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

32.75% of the earnings are spent on dividend by 1WFC. This is a low number and sustainable payout ratio.

DP32.75%

EPS Next 2Y8.82%

EPS Next 3Y10.66%

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WELLS FARGO & CO

BIT:1WFC (9/23/2025, 7:00:00 PM)

73.04

+5.13 (+7.55%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-14 2025-10-14/bmo

Inst Owners79.15%

Inst Owner ChangeN/A

Ins Owners0.1%

Ins Owner ChangeN/A

Market Cap233.98B

Analysts76

Price Target75.84 (3.83%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.93%

Yearly Dividend1.54

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)6.48%

PT rev (3m)6.48%

EPS NQ rev (1m)1.67%

EPS NQ rev (3m)1.67%

EPS NY rev (1m)3.7%

EPS NY rev (3m)3.7%

Revenue NQ rev (1m)-0.24%

Revenue NQ rev (3m)-0.24%

Revenue NY rev (1m)-0.03%

Revenue NY rev (3m)-0.03%

Valuation

		Industry Rank	Sector Rank
PE	14.35
Fwd PE	12.72
P/S	3.36
P/FCF	N/A
P/OCF	N/A
P/B	1.52
P/tB	1.84
EV/EBITDA	N/A

EPS(TTM)5.09

EY6.97%

EPS(NY)5.74

Fwd EY7.86%

FCF(TTM)-2.43

FCFYN/A

OCF(TTM)-2.43

OCFYN/A

SpS21.74

BVpS48.18

TBVpS39.64

PEG (NY)2.08

PEG (5Y)2.56

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

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-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

WACC12.45%

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)13.28%

EPS 3Y5.11%

EPS 5Y5.61%

EPS Q2Q%15.79%

EPS Next Y6.88%

EPS Next 2Y8.82%

EPS Next 3Y10.66%

EPS Next 5Y6.53%

Revenue 1Y (TTM)-1.41%

Revenue growth 3Y1.3%

Revenue growth 5Y-1.07%

Sales Q2Q%0.64%

Revenue Next Year0.72%

Revenue Next 2Y2.69%

Revenue Next 3Y3.3%

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) 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