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

Europe - FRA:NWT - US9497461015 - Common Stock

68.39 EUR
+0.21 (+0.31%)
Last: 10/13/2025, 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 94 industry peers in the Banks industry. NWT has a bad profitability rating. Also its financial health evaluation is rather negative. 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

In the past year NWT was profitable.
In the past year NWT has reported a negative cash flow from operations.
Each year in the past 5 years NWT has been profitable.
Of the past 5 years NWT 4 years had a positive operating cash flow.
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's Return On Assets of 0.98% is fine compared to the rest of the industry. NWT outperforms 69.15% of its industry peers.
Looking at the Return On Equity, with a value of 10.76%, NWT is in line with its industry, outperforming 56.38% of the companies in the same industry.
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

NWT has a Profit Margin (23.84%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of NWT has grown nicely.
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.
Compared to 1 year ago, NWT has less shares outstanding
Compared to 5 years ago, NWT has less shares outstanding
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

NWT has a Debt/Equity ratio of 2.01. This is a high value indicating a heavy dependency on external financing.
NWT has a Debt to Equity ratio (2.01) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.01
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.38%
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

The Earnings Per Share has grown by an nice 13.28% over the past year.
NWT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.61% yearly.
Looking at the last year, NWT shows a decrease in Revenue. The Revenue has decreased by -1.41% 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)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, NWT 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

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.
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

The Price/Earnings ratio is 13.25, which indicates a correct valuation of NWT.
78.72% of the companies in the same industry are cheaper than NWT, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.34, NWT is valued rather cheaply.
The Price/Forward Earnings ratio is 11.74, which indicates a very decent valuation of NWT.
73.40% of the companies in the same industry are cheaper than NWT, based on the Price/Forward Earnings ratio.
NWT is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.86, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.25
Fwd PE 11.74
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)1.93
PEG (5Y)2.36
EPS Next 2Y8.82%
EPS Next 3Y10.66%

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6

5. Dividend

5.1 Amount

NWT has a Yearly Dividend Yield of 5.97%, which is a nice return.
NWT's Dividend Yield is a higher than the industry average which is at 4.83.
Compared to an average S&P500 Dividend Yield of 2.44, NWT pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.97%

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

32.75% of the earnings are spent on dividend by NWT. This is a low number and sustainable payout ratio.
DP32.75%
EPS Next 2Y8.82%
EPS Next 3Y10.66%
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 (10/13/2025, 7:00:00 PM)

68.39

+0.21 (+0.31%)

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 Cap219.08B
Analysts76
Price Target76.32 (11.6%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.97%
Yearly Dividend1.56
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)0.41%
PT rev (3m)7.22%
EPS NQ rev (1m)0.42%
EPS NQ rev (3m)1.01%
EPS NY rev (1m)0.11%
EPS NY rev (3m)3.17%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)-0.43%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 13.25
Fwd PE 11.74
P/S 3.1
P/FCF N/A
P/OCF N/A
P/B 1.4
P/tB 1.7
EV/EBITDA N/A
EPS(TTM)5.16
EY7.54%
EPS(NY)5.82
Fwd EY8.52%
FCF(TTM)-2.47
FCFYN/A
OCF(TTM)-2.47
OCFYN/A
SpS22.05
BVpS48.87
TBVpS40.2
PEG (NY)1.93
PEG (5Y)2.36
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
WACC12.38%
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%