WELLS FARGO & CO(NYSE:WFC) stock Fundamental Analysis

Fundamental Rating

WFC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. While WFC is still in line with the averages on profitability rating, there are concerns on its financial health. WFC is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

WFC had positive earnings in the past year.

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

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

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

1.2 Ratios

With a decent Return On Assets value of 0.97%, WFC is doing good in the industry, outperforming 63.89% of the companies in the same industry.

WFC's Return On Equity of 10.44% is fine compared to the rest of the industry. WFC outperforms 72.22% of 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

The Profit Margin of WFC (23.18%) is comparable to the rest of the industry.

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)	23.18%
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

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

Compared to 1 year ago, WFC has less shares outstanding

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

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

2.2 Solvency

The Debt to FCF ratio of WFC is 76.02, which is on the high side as it means it would take WFC, 76.02 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 76.02, WFC is not doing good in the industry: 87.63% of the companies in the same industry are doing better.

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

With a Debt to Equity ratio value of 1.73, WFC is not doing good in the industry: 88.64% of the companies in the same industry are doing better.

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

ROIC/WACCN/A

WACC12.37%

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

WFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.98%, which is quite good.

The Earnings Per Share has been growing slightly by 5.61% on average over the past years.

WFC shows a decrease in Revenue. In the last year, the revenue decreased by -1.39%.

WFC 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

Based on estimates for the next years, WFC will show a small growth in Earnings Per Share. The EPS will grow by 6.03% on average per year.

WFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.36% yearly.

EPS Next Y2.86%

EPS Next 2Y8.6%

EPS Next 3Y10.84%

EPS Next 5Y6.03%

Revenue Next Year0.75%

Revenue Next 2Y2.76%

Revenue Next 3Y3.36%

Revenue Next 5YN/A

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.

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

A Price/Earnings ratio of 12.74 indicates a correct valuation of WFC.

WFC's Price/Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Earnings ratio of 25.91, WFC is valued rather cheaply.

A Price/Forward Earnings ratio of 10.94 indicates a reasonable valuation of WFC.

Based on the Price/Forward Earnings ratio, WFC is valued a bit more expensive than 63.89% of the companies in the same industry.

WFC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.85.

		Industry Rank	Sector Rank
PE	12.74
Fwd PE	10.94

4.2 Price Multiples

85.86% of the companies in the same industry are cheaper than WFC, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	57.92
EV/EBITDA	N/A

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)4.45

PEG (5Y)2.27

EPS Next 2Y8.6%

EPS Next 3Y10.84%

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5. Dividend

5.1 Amount

WFC has a Yearly Dividend Yield of 2.12%. Purely for dividend investing, there may be better candidates out there.

WFC's Dividend Yield is slightly below the industry average, which is at 3.34.

WFC's Dividend Yield is comparable with the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	2.12%

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 33.45% of its income as dividend. This is a sustainable payout ratio.

DP33.45%

EPS Next 2Y8.6%

EPS Next 3Y10.84%

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WELLS FARGO & CO

NYSE:WFC (5/22/2025, 8:04:00 PM)

After market: 73.2013 -0.19 (-0.26%)

73.39

+0.2 (+0.27%)

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 Change0.86%

Ins Owners0.09%

Ins Owner Change10.1%

Market Cap238.82B

Analysts78.57

Price Target79.09 (7.77%)

Short Float %1.23%

Short Ratio2

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.12%

Yearly Dividend1.81

Dividend Growth(5Y)-3.84%

DP33.45%

Div Incr Years3

Div Non Decr Years3

Ex-Date05-09 2025-05-09 (0.4)

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)-5.26%

PT rev (3m)-5.43%

EPS NQ rev (1m)-0.48%

EPS NQ rev (3m)-4.61%

EPS NY rev (1m)-0.04%

EPS NY rev (3m)-1.52%

Revenue NQ rev (1m)-0.24%

Revenue NQ rev (3m)-1.36%

Revenue NY rev (1m)-1.49%

Revenue NY rev (3m)-1.88%

Valuation

		Industry Rank	Sector Rank
PE	12.74
Fwd PE	10.94
P/S	2.93
P/FCF	57.92
P/OCF	57.92
P/B	1.32
P/tB	1.61
EV/EBITDA	N/A

EPS(TTM)5.76

EY7.85%

EPS(NY)6.71

Fwd EY9.14%

FCF(TTM)1.27

FCFY1.73%

OCF(TTM)1.27

OCFY1.73%

SpS25.07

BVpS55.65

TBVpS45.72

PEG (NY)4.45

PEG (5Y)2.27

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

WACC12.37%

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 Y2.86%

EPS Next 2Y8.6%

EPS Next 3Y10.84%

EPS Next 5Y6.03%

Revenue 1Y (TTM)-1.39%

Revenue growth 3Y1.3%

Revenue growth 5Y-1.07%

Sales Q2Q%-3.42%

Revenue Next Year0.75%

Revenue Next 2Y2.76%

Revenue Next 3Y3.36%

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 (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