WELLS FARGO & CO (1WFC.MI) Stock Fundamental Analysis
BIT:1WFC - Euronext Milan - US9497461015 - Common Stock - Currency: EUR
Overall 1WFC gets a fundamental rating of 3 out of 10. We evaluated 1WFC against 96 industry peers in the Banks industry. 1WFC has a bad profitability rating. Also its financial health evaluation is rather negative. 1WFC is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year 1WFC was profitable.
1WFC had a positive operating cash flow in the past year.
1WFC had positive earnings in each of the past 5 years.
1WFC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
1WFC has a Return On Assets of 0.96%. This is in the better half of the industry: 1WFC outperforms 63.54% of its industry peers.
Looking at the Return On Equity, with a value of 10.39%, 1WFC is in line with its industry, outperforming 51.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 10.39% | ||
| 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
With a Profit Margin value of 22.61%, 1WFC perfoms like the industry average, outperforming 56.25% of the companies in the same 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) | 22.61% | ||
| 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.
1WFC has less shares outstanding than it did 5 years ago.
1WFC has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of 1WFC is 91.56, which is on the high side as it means it would take 1WFC, 91.56 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 91.56, 1WFC is doing good in the industry, outperforming 70.83% of the companies in the same industry.
1WFC has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
With a decent Debt to Equity ratio value of 1.55, 1WFC is doing good in the industry, outperforming 63.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | 91.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 10.98% over the past year.
Measured over the past 5 years, 1WFC shows a small growth in Earnings Per Share. The EPS has been growing by 5.61% on average per year.
The Revenue has decreased by -1.39% 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)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
1WFC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.03% yearly.
1WFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.39% yearly.
EPS Next Y2.91%
EPS Next 2Y8.59%
EPS Next 3Y10.9%
EPS Next 5Y6.03%
Revenue Next Year0.75%
Revenue Next 2Y2.76%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.22, which indicates a correct valuation of 1WFC.
85.42% of the companies in the same industry are cheaper than 1WFC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of 1WFC to the average of the S&P500 Index (26.34), we can say 1WFC is valued slightly cheaper.
With a Price/Forward Earnings ratio of 11.35, the valuation of 1WFC can be described as very reasonable.
67.71% of the companies in the same industry are cheaper than 1WFC, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.19. 1WFC is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.22 | ||
| Fwd PE | 11.35 |
4.2 Price Multiples
70.83% of the companies in the same industry are more expensive than 1WFC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 81.64 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1WFC does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)4.55
PEG (5Y)2.35
EPS Next 2Y8.59%
EPS Next 3Y10.9%
5. Dividend
5.1 Amount
1WFC has a Yearly Dividend Yield of 2.23%.
Compared to an average industry Dividend Yield of 5.14, 1WFC's dividend is way lower than its industry peers. On top of this 95.83% of the companies listed in the same industry pay a better dividend than 1WFC!
Compared to an average S&P500 Dividend Yield of 2.40, 1WFC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
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 33.49% of its income as dividend. This is a sustainable payout ratio.
DP33.49%
EPS Next 2Y8.59%
EPS Next 3Y10.9%
BIT:1WFC (6/10/2025, 7:00:00 PM)
66.34
+6.18 (+10.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.16%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap215.88B
Analysts78.57
Price Target67.72 (2.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
Yearly Dividend1.6
Dividend Growth(5Y)-3.84%
DP33.49%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.58%
Min EPS beat(2)15.95%
Max EPS beat(2)17.22%
EPS beat(4)4
Avg EPS beat(4)11.76%
Min EPS beat(4)1.93%
Max EPS beat(4)17.22%
EPS beat(8)8
Avg EPS beat(8)10.2%
EPS beat(12)11
Avg EPS beat(12)8.37%
EPS beat(16)15
Avg EPS beat(16)13.82%
Revenue beat(2)0
Avg Revenue beat(2)-1.61%
Min Revenue beat(2)-2%
Max Revenue beat(2)-1.23%
Revenue beat(4)2
Avg Revenue beat(4)-0.01%
Min Revenue beat(4)-2%
Max Revenue beat(4)2.24%
Revenue beat(8)5
Avg Revenue beat(8)0.73%
Revenue beat(12)6
Avg Revenue beat(12)0.26%
Revenue beat(16)10
Avg Revenue beat(16)2.2%
PT rev (1m)-16.53%
PT rev (3m)1.05%
EPS NQ rev (1m)-1.01%
EPS NQ rev (3m)5.66%
EPS NY rev (1m)-1.48%
EPS NY rev (3m)5.72%
Revenue NQ rev (1m)-0.34%
Revenue NQ rev (3m)2.39%
Revenue NY rev (1m)-1.89%
Revenue NY rev (3m)0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.22 | ||
| Fwd PE | 11.35 | ||
| P/S | 3.01 | ||
| P/FCF | 81.64 | ||
| P/OCF | 81.64 | ||
| P/B | 1.38 | ||
| P/tB | 1.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.02
EY7.57%
EPS(NY)5.85
Fwd EY8.81%
FCF(TTM)0.81
FCFY1.22%
OCF(TTM)0.81
OCFY1.22%
SpS22.03
BVpS47.96
TBVpS39.12
PEG (NY)4.55
PEG (5Y)2.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 10.39% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.61% | ||
| GM | N/A | ||
| FCFM | 3.69% |
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 | 1.55 | ||
| Debt/FCF | 91.56 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 16.31% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC13.07%
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 Y2.91%
EPS Next 2Y8.59%
EPS Next 3Y10.9%
EPS Next 5Y6.03%
Revenue 1Y (TTM)-1.39%
Revenue growth 3Y1.3%
Revenue growth 5Y-1.07%
Sales Q2Q%-3.42%
Revenue Next Year0.75%
Revenue Next 2Y2.76%
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-92.48%
FCF growth 3YN/A
FCF growth 5Y-14.72%
OCF growth 1Y-92.48%
OCF growth 3YN/A
OCF growth 5Y-14.72%