WELLS FARGO & CO(FRA:NWT) stock Fundamental Analysis

Fundamental Rating

Overall NWT gets a fundamental rating of 3 out of 10. We evaluated NWT against 92 industry peers in the Banks industry. While NWT is still in line with the averages on profitability rating, there are concerns on its financial health. NWT is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

NWT had positive earnings in the past year.

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

Each year in the past 5 years NWT has been profitable.

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

1.2 Ratios

NWT has a better Return On Assets (0.97%) than 69.57% of its industry peers.

NWT has a Return On Equity (10.44%) which is in line with its industry peers.

		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

NWT's Profit Margin of 23.18% is fine compared to the rest of the industry. NWT outperforms 61.96% of its industry peers.

In the last couple of years the Profit Margin of NWT has grown nicely.

The Operating Margin and Gross Margin are not available for NWT 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, NWT has a worse debt to assets ratio.

2.2 Solvency

NWT has a debt to FCF ratio of 76.02. This is a negative value and a sign of low solvency as NWT would need 76.02 years to pay back of all of its debts.

The Debt to FCF ratio of NWT (76.02) is better than 72.83% of its industry peers.

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

NWT's Debt to Equity ratio of 1.73 is in line compared to the rest of the industry. NWT outperforms 59.78% of its industry peers.

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

ROIC/WACCN/A

WACC12.23%

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

NWT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.98%, 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.

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

NWT 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

NWT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.03% yearly.

The Revenue is expected to grow by 3.32% on average over the next years.

EPS Next Y2.91%

EPS Next 2Y8.59%

EPS Next 3Y10.9%

EPS Next 5Y6.03%

Revenue Next Year0.79%

Revenue Next 2Y2.76%

Revenue Next 3Y3.32%

Revenue Next 5YN/A

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.26, which indicates a correct valuation of NWT.

Based on the Price/Earnings ratio, NWT is valued more expensive than 81.52% of the companies in the same industry.

NWT is valuated rather cheaply when we compare the Price/Earnings ratio to 25.25, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 11.38, the valuation of NWT can be described as very reasonable.

Based on the Price/Forward Earnings ratio, NWT is valued a bit more expensive than 68.48% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.27, NWT is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	13.26
Fwd PE	11.38

4.2 Price Multiples

NWT's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NWT is cheaper than 72.83% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	60.28
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NWT does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)4.56

PEG (5Y)2.36

EPS Next 2Y8.59%

EPS Next 3Y10.9%

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5. Dividend

5.1 Amount

NWT has a Yearly Dividend Yield of 2.18%.

Compared to an average industry Dividend Yield of 5.15, NWT's dividend is way lower than its industry peers. On top of this 96.74% of the companies listed in the same industry pay a better dividend than NWT!

NWT's Dividend Yield is comparable with the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	2.18%

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

5.3 Sustainability

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

DP33.45%

EPS Next 2Y8.59%

EPS Next 3Y10.9%

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WELLS FARGO & CO

FRA:NWT (5/16/2025, 7:00:00 PM)

68.28

+0.6 (+0.89%)

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 Cap222.20B

Analysts78.57

Price Target70.54 (3.31%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.18%

Yearly Dividend1.61

Dividend Growth(5Y)-3.84%

DP33.45%

Div Incr Years3

Div Non Decr Years3

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)-0.09%

Revenue beat(12)6

Avg Revenue beat(12)0.02%

Revenue beat(16)9

Avg Revenue beat(16)1.63%

PT rev (1m)-7.81%

PT rev (3m)-10.85%

EPS NQ rev (1m)-3.86%

EPS NQ rev (3m)-4.72%

EPS NY rev (1m)-1.18%

EPS NY rev (3m)-0.87%

Revenue NQ rev (1m)-0.89%

Revenue NQ rev (3m)-1.25%

Revenue NY rev (1m)-1.45%

Revenue NY rev (3m)-1.84%

Valuation

		Industry Rank	Sector Rank
PE	13.26
Fwd PE	11.38
P/S	3.05
P/FCF	60.28
P/OCF	60.28
P/B	1.37
P/tB	1.67
EV/EBITDA	N/A

EPS(TTM)5.15

EY7.54%

EPS(NY)6

Fwd EY8.78%

FCF(TTM)1.13

FCFY1.66%

OCF(TTM)1.13

OCFY1.66%

SpS22.41

BVpS49.75

TBVpS40.88

PEG (NY)4.56

PEG (5Y)2.36

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

WACC12.23%

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 Year0.79%

Revenue Next 2Y2.76%

Revenue Next 3Y3.32%

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 (NWT.DE) 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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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