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 395 industry peers in the Banks industry. Both the profitability and financial health of WFC have multiple concerns. WFC does not seem to be growing, but still is valued expensively. Finally 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.

In the past year WFC has reported a negative cash flow from operations.

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

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

1.2 Ratios

Looking at the Return On Assets, with a value of 0.98%, WFC is in the better half of the industry, outperforming 62.53% of the companies in the same industry.

Looking at the Return On Equity, with a value of 10.76%, WFC is in the better half of the industry, outperforming 75.95% 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

With a Profit Margin value of 23.84%, WFC perfoms like the industry average, outperforming 51.14% of the companies in the same industry.

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

The Operating Margin and Gross Margin are not available for WFC so they could not be analyzed.

		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

A Debt/Equity ratio of 2.01 is on the high side and indicates that WFC has dependencies on debt financing.

WFC's Debt to Equity ratio of 2.01 is on the low side compared to the rest of the industry. WFC is outperformed by 89.11% of its industry peers.

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

ROIC/WACCN/A

WACC12.12%

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

WFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.28%, which is quite good.

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

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.

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

WFC is valuated correctly with a Price/Earnings ratio of 13.71.

WFC's Price/Earnings is on the same level as the industry average.

The average S&P500 Price/Earnings ratio is at 27.03. WFC is valued slightly cheaper when compared to this.

With a Price/Forward Earnings ratio of 12.16, WFC is valued correctly.

64.81% of the companies in the same industry are cheaper than WFC, based on the Price/Forward Earnings ratio.

WFC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.63, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.71
Fwd PE	12.16

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 an expensive valuation of the company.

PEG (NY)2.03

PEG (5Y)2.44

EPS Next 2Y8.75%

EPS Next 3Y10.59%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.29%, WFC is a good candidate for dividend investing.

WFC's Dividend Yield is rather good when compared to the industry average which is at 3.18. WFC pays more dividend than 94.68% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.32, WFC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.29%

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 (9/4/2025, 8:04:00 PM)

Premarket: 81.61 -0.22 (-0.27%)

81.83

+1.32 (+1.64%)

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 Change4.95%

Market Cap262.14B

Analysts77.24

Price Target88.76 (8.47%)

Short Float %1.25%

Short Ratio2.38

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.29%

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)1.33%

PT rev (3m)12.23%

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)0.02%

Revenue NY rev (3m)-0.11%

Valuation

		Industry Rank	Sector Rank
PE	13.71
Fwd PE	12.16
P/S	3.21
P/FCF	N/A
P/OCF	N/A
P/B	1.45
P/tB	1.76
EV/EBITDA	N/A

EPS(TTM)5.97

EY7.3%

EPS(NY)6.73

Fwd EY8.22%

FCF(TTM)-2.85

FCFYN/A

OCF(TTM)-2.85

OCFYN/A

SpS25.51

BVpS56.54

TBVpS46.51

PEG (NY)2.03

PEG (5Y)2.44

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

WACC12.12%

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

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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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