WELLS FARGO & CO(BIT:1WFC) stock Fundamental Analysis

Fundamental Rating

1WFC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. Both the profitability and financial health of 1WFC have multiple concerns. 1WFC has a valuation in line with the averages, but on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

1WFC had positive earnings in the past year.

In the past year 1WFC had a positive cash flow from operations.

1WFC had positive earnings in each of the past 5 years.

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

1.2 Ratios

1WFC's Return On Assets of 0.96% is fine compared to the rest of the industry. 1WFC outperforms 63.92% of its industry peers.

With a Return On Equity value of 10.39%, 1WFC perfoms like the industry average, outperforming 52.58% 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

1WFC has a Profit Margin (22.61%) which 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)	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

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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.

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

1WFC has a debt to FCF ratio of 91.56. This is a negative value and a sign of low solvency as 1WFC would need 91.56 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 91.56, 1WFC is in the better half of the industry, outperforming 71.13% of the companies in the same industry.

A Debt/Equity ratio of 1.55 is on the high side and indicates that 1WFC has dependencies on debt financing.

1WFC has a better Debt to Equity ratio (1.55) than 64.95% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.55
Debt/FCF	91.56
Altman-Z	N/A

ROIC/WACCN/A

WACC12.35%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.98% over the past year.

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

1WFC shows a decrease in Revenue. In the last year, the revenue decreased by -1.39%.

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.

The Revenue is expected to grow by 3.39% on average over the next years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.84, the valuation of 1WFC can be described as reasonable.

81.44% of the companies in the same industry are cheaper than 1WFC, based on the Price/Earnings ratio.

1WFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.21.

A Price/Forward Earnings ratio of 10.17 indicates a reasonable valuation of 1WFC.

1WFC's Price/Forward Earnings is on the same level as the industry average.

1WFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.44.

		Industry Rank	Sector Rank
PE	11.84
Fwd PE	10.17

4.2 Price Multiples

1WFC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1WFC is cheaper than 72.16% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	73.17
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)4.07

PEG (5Y)2.11

EPS Next 2Y8.59%

EPS Next 3Y10.9%

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5. Dividend

5.1 Amount

1WFC has a Yearly Dividend Yield of 2.23%.

With a Dividend Yield of 2.23, 1WFC pays less dividend than the industry average, which is at 5.30. 95.88% of the companies listed in the same industry pay a better dividend than 1WFC!

Compared to an average S&P500 Dividend Yield of 2.44, 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%

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WELLS FARGO & CO

BIT:1WFC (4/23/2025, 7:00:00 PM)

60.16

+3.2 (+5.62%)

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 Owners78.16%

Inst Owner ChangeN/A

Ins Owners0.09%

Ins Owner ChangeN/A

Market Cap195.77B

Analysts78.57

Price Target67.72 (12.57%)

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	11.84
Fwd PE	10.17
P/S	2.7
P/FCF	73.17
P/OCF	73.17
P/B	1.24
P/tB	1.52
EV/EBITDA	N/A

EPS(TTM)5.08

EY8.44%

EPS(NY)5.91

Fwd EY9.83%

FCF(TTM)0.82

FCFY1.37%

OCF(TTM)0.82

OCFY1.37%

SpS22.3

BVpS48.53

TBVpS39.58

PEG (NY)4.07

PEG (5Y)2.11

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

WACC12.35%

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%

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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