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WELLS FARGO & CO (NWT.DE) Stock Fundamental Analysis

Europe - FRA:NWT - US9497461015 - Common Stock

71.57 EUR
+1.89 (+2.71%)
Last: 9/19/2025, 7:00:00 PM
Fundamental Rating

3

Taking everything into account, NWT scores 3 out of 10 in our fundamental rating. NWT was compared to 95 industry peers in the Banks industry. Both the profitability and financial health of NWT have multiple concerns. NWT does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

NWT had positive earnings in the past year.
NWT had a negative operating cash flow in the past year.
In the past 5 years NWT has always been profitable.
NWT had a positive operating cash flow in 4 of the past 5 years.
NWT.DE Yearly Net Income VS EBIT VS OCF VS FCFNWT.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B 30B 40B

1.2 Ratios

NWT has a Return On Assets of 0.98%. This is in the better half of the industry: NWT outperforms 70.53% of its industry peers.
NWT has a Return On Equity of 10.76%. This is comparable to the rest of the industry: NWT outperforms 57.89% of its industry peers.
Industry RankSector 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
NWT.DE Yearly ROA, ROE, ROICNWT.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 23.84%, NWT is doing good in the industry, outperforming 62.11% of the companies in the same industry.
NWT's Profit Margin has improved in the last couple of years.
NWT 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) 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
NWT.DE Yearly Profit, Operating, Gross MarginsNWT.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 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

NWT does not have a ROIC to compare to the WACC, probably because it is not profitable.
NWT has less shares outstanding than it did 1 year ago.
The number of shares outstanding for NWT has been reduced compared to 5 years ago.
NWT has a worse debt/assets ratio than last year.
NWT.DE Yearly Shares OutstandingNWT.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
NWT.DE Yearly Total Debt VS Total AssetsNWT.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T

2.2 Solvency

A Debt/Equity ratio of 2.01 is on the high side and indicates that NWT has dependencies on debt financing.
With a Debt to Equity ratio value of 2.01, NWT perfoms like the industry average, outperforming 53.68% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.01
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.49%
NWT.DE Yearly LT Debt VS Equity VS FCFNWT.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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
NWT.DE Yearly Current Assets VS Current LiabilitesNWT.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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3

3. Growth

3.1 Past

NWT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.28%, which is quite good.
Measured over the past 5 years, NWT shows a small growth in Earnings Per Share. The EPS has been growing by 5.61% on average per year.
NWT shows a decrease in Revenue. In the last year, the revenue decreased by -1.41%.
NWT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.07% yearly.
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

Based on estimates for the next years, NWT will show a small growth in Earnings Per Share. The EPS will grow by 6.53% on average per year.
The Revenue is expected to grow by 2.75% on average over the next years.
EPS Next Y6.76%
EPS Next 2Y8.75%
EPS Next 3Y10.59%
EPS Next 5Y6.53%
Revenue Next Year0.64%
Revenue Next 2Y2.64%
Revenue Next 3Y3.39%
Revenue Next 5Y2.75%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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.
NWT.DE Yearly Revenue VS EstimatesNWT.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 20B 40B 60B 80B 100B
NWT.DE Yearly EPS VS EstimatesNWT.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6 8

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.17 indicates a correct valuation of NWT.
Compared to the rest of the industry, the Price/Earnings ratio of NWT indicates a rather expensive valuation: NWT more expensive than 80.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of NWT to the average of the S&P500 Index (27.38), we can say NWT is valued slightly cheaper.
A Price/Forward Earnings ratio of 12.57 indicates a correct valuation of NWT.
Based on the Price/Forward Earnings ratio, NWT is valued a bit more expensive than the industry average as 73.68% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.86. NWT is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 14.17
Fwd PE 12.57
NWT.DE Price Earnings VS Forward Price EarningsNWT.DE 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
NWT.DE Per share dataNWT.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

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)2.1
PEG (5Y)2.52
EPS Next 2Y8.75%
EPS Next 3Y10.59%

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6

5. Dividend

5.1 Amount

NWT has a Yearly Dividend Yield of 6.08%, which is a nice return.
Compared to an average industry Dividend Yield of 4.93, NWT pays a bit more dividend than its industry peers.
NWT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 6.08%

5.2 History

The dividend of NWT decreases each year by -3.84%.
Dividend Growth(5Y)-3.84%
Div Incr Years3
Div Non Decr Years3
NWT.DE Yearly Dividends per shareNWT.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

NWT pays out 32.75% of its income as dividend. This is a sustainable payout ratio.
DP32.75%
EPS Next 2Y8.75%
EPS Next 3Y10.59%
NWT.DE Yearly Income VS Free CF VS DividendNWT.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B 30B 40B
NWT.DE Dividend Payout.NWT.DE Dividend Payout, showing the Payout Ratio.NWT.DE Dividend Payout.PayoutRetained Earnings

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WELLS FARGO & CO

FRA:NWT (9/19/2025, 7:00:00 PM)

71.57

+1.89 (+2.71%)

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 Owners79.44%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap229.27B
Analysts77.24
Price Target75.62 (5.66%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.08%
Yearly Dividend1.54
Dividend Growth(5Y)-3.84%
DP32.75%
Div Incr Years3
Div Non Decr Years3
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)-0.31%
Revenue beat(12)6
Avg Revenue beat(12)0.27%
Revenue beat(16)8
Avg Revenue beat(16)0.77%
PT rev (1m)-1.05%
PT rev (3m)8.49%
EPS NQ rev (1m)0.12%
EPS NQ rev (3m)1.24%
EPS NY rev (1m)3.06%
EPS NY rev (3m)3.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.33%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)-0.12%
Valuation
Industry RankSector Rank
PE 14.17
Fwd PE 12.57
P/S 3.32
P/FCF N/A
P/OCF N/A
P/B 1.5
P/tB 1.82
EV/EBITDA N/A
EPS(TTM)5.05
EY7.06%
EPS(NY)5.69
Fwd EY7.96%
FCF(TTM)-2.42
FCFYN/A
OCF(TTM)-2.42
OCFYN/A
SpS21.58
BVpS47.84
TBVpS39.36
PEG (NY)2.1
PEG (5Y)2.52
Profitability
Industry RankSector 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 RankSector 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
WACC12.49%
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 Y6.76%
EPS Next 2Y8.75%
EPS Next 3Y10.59%
EPS Next 5Y6.53%
Revenue 1Y (TTM)-1.41%
Revenue growth 3Y1.3%
Revenue growth 5Y-1.07%
Sales Q2Q%0.64%
Revenue Next Year0.64%
Revenue Next 2Y2.64%
Revenue Next 3Y3.39%
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%