WFC Fundamental Analysis - WELLS FARGO & CO

Fundamental Rating

Taking everything into account, WFC scores 3 out of 10 in our fundamental rating. WFC was compared to 392 industry peers in the Banks industry. WFC may be in some trouble as it scores bad on both profitability and health. WFC is valued expensive and it does not seem to be growing. WFC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

WFC had positive earnings in the past year.

WFC had a negative operating cash flow in the past year.

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

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

1.2 Ratios

The Return On Assets of WFC (0.98%) is better than 62.24% of its industry peers.

With a decent Return On Equity value of 10.76%, WFC is doing good in the industry, outperforming 75.77% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

WFC's Profit Margin of 23.84% is in line compared to the rest of the industry. WFC outperforms 50.77% of its industry peers.

WFC's Profit Margin has improved in the last couple of years.

WFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

WFC does not have a ROIC to compare to the WACC, probably because it is not profitable.

WFC has less shares outstanding than it did 1 year ago.

The number of shares outstanding for WFC has been reduced compared to 5 years ago.

The debt/assets ratio for WFC is higher compared to a year ago.

2.2 Solvency

WFC has a Debt/Equity ratio of 2.01. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 2.01, WFC is doing worse than 89.03% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.01
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC12.14%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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, WFC 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, WFC shows a decrease in Revenue. The Revenue has decreased by -1.41% in the last year.

Measured over the past years, WFC shows a decrease in Revenue. The Revenue has been decreasing by -1.07% on average per year.

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, WFC will show a small growth in Earnings Per Share. The EPS will grow by 6.53% on average per year.

WFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.75% yearly.

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.

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4. Valuation

4.1 Price/Earnings Ratio

WFC is valuated correctly with a Price/Earnings ratio of 14.26.

Based on the Price/Earnings ratio, WFC is valued a bit more expensive than 61.48% of the companies in the same industry.

WFC is valuated rather cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 12.65, WFC is valued correctly.

Compared to the rest of the industry, the Price/Forward Earnings ratio of WFC indicates a slightly more expensive valuation: WFC is more expensive than 68.62% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of WFC to the average of the S&P500 Index (22.64), we can say WFC is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	14.26
Fwd PE	12.65

4.2 Price Multiples

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

4.3 Compensation for Growth

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

PEG (NY)2.11

PEG (5Y)2.54

EPS Next 2Y8.75%

EPS Next 3Y10.59%

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5. Dividend

5.1 Amount

WFC has a Yearly Dividend Yield of 5.83%, which is a nice return.

Compared to an average industry Dividend Yield of 3.47, WFC pays a better dividend. On top of this WFC pays more dividend than 88.27% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.38, WFC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.83%

5.2 History

The dividend of WFC decreases each year by -3.84%.

WFC has been paying a dividend for at least 10 years, so it has a reliable track record.

WFC has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)-3.84%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

WFC 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%

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WELLS FARGO & CO

NYSE:WFC (9/26/2025, 10:24:02 AM)

85.15

+0.83 (+0.98%)

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 Change35.85%

Ins Owners0.1%

Ins Owner Change0.11%

Market Cap272.77B

Analysts77.24

Price Target88.81 (4.3%)

Short Float %1.44%

Short Ratio2.89

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.83%

Yearly Dividend1.81

Dividend Growth(5Y)-3.84%

DP32.75%

Div Incr Years3

Div Non Decr Years3

Ex-Date08-08 2025-08-08 (0.45)

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)0.05%

PT rev (3m)7.29%

EPS NQ rev (1m)0.12%

EPS NQ rev (3m)1.24%

EPS NY rev (1m)0%

EPS NY rev (3m)3.58%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.33%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.12%

Valuation

		Industry Rank	Sector Rank
PE	14.26
Fwd PE	12.65
P/S	3.34
P/FCF	N/A
P/OCF	N/A
P/B	1.51
P/tB	1.83
EV/EBITDA	N/A

EPS(TTM)5.97

EY7.01%

EPS(NY)6.73

Fwd EY7.9%

FCF(TTM)-2.85

FCFYN/A

OCF(TTM)-2.85

OCFYN/A

SpS25.51

BVpS56.54

TBVpS46.51

PEG (NY)2.11

PEG (5Y)2.54

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC12.14%

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%

WELLS FARGO & CO (WFC) 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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens