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

FRA:NWT - US9497461015 - Common Stock

70.3 EUR
-0.38 (-0.54%)
Last: 8/29/2025, 9:21:53 AM
Fundamental Rating

3

NWT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 95 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

NWT had positive earnings in the past year.
In the past year NWT has reported a negative cash flow from operations.
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's Return On Assets of 0.98% is fine compared to the rest of the industry. NWT outperforms 68.42% of its industry peers.
NWT has a Return On Equity (10.76%) which is in line with 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

The Profit Margin of NWT (23.84%) is better than 61.05% 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 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.
The number of shares outstanding for NWT has been reduced compared to 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.
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.
NWT has a Debt to Equity ratio of 2.01. This is comparable to the rest of the industry: NWT outperforms 52.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.01
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.42%
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.
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.
The Revenue has decreased by -1.41% in the past year.
The Revenue has been decreasing by -1.07% on average over the past years.
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.
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

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.
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 13.76 indicates a correct valuation of NWT.
Based on the Price/Earnings ratio, NWT is valued more expensive than 81.05% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.17. NWT is valued slightly cheaper when compared to this.
NWT is valuated correctly with a Price/Forward Earnings ratio of 12.20.
NWT's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NWT is more expensive than 73.68% of the companies in the same industry.
NWT's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.78.
Industry RankSector Rank
PE 13.76
Fwd PE 12.2
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)2.03
PEG (5Y)2.45
EPS Next 2Y8.75%
EPS Next 3Y10.59%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.29%, NWT is a good candidate for dividend investing.
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 2.34, NWT pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.29%

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 2Y8.75%
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 (8/29/2025, 9:21:53 AM)

70.3

-0.38 (-0.54%)

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 Cap225.20B
Analysts77.24
Price Target76.01 (8.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.29%
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)0.48%
PT rev (3m)7.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.06%
EPS NY rev (1m)3.06%
EPS NY rev (3m)3.79%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-1.9%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-0.11%
Valuation
Industry RankSector Rank
PE 13.76
Fwd PE 12.2
P/S 3.22
P/FCF N/A
P/OCF N/A
P/B 1.45
P/tB 1.76
EV/EBITDA N/A
EPS(TTM)5.11
EY7.27%
EPS(NY)5.76
Fwd EY8.2%
FCF(TTM)-2.44
FCFYN/A
OCF(TTM)-2.44
OCFYN/A
SpS21.85
BVpS48.42
TBVpS39.83
PEG (NY)2.03
PEG (5Y)2.45
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
WACC12.42%
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%