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

Fundamental Rating

Overall WFC gets a fundamental rating of 3 out of 10. We evaluated WFC against 398 industry peers in the Banks industry. WFC has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.

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

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

With a decent Return On Assets value of 0.96%, WFC is doing good in the industry, outperforming 63.57% of the companies in the same industry.

Looking at the Return On Equity, with a value of 10.39%, WFC is in the better half of the industry, outperforming 71.86% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.96%
ROE	10.39%
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 has a Profit Margin of 22.61%. This is comparable to the rest of the industry: WFC outperforms 47.74% of its industry peers.

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)	22.61%
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

Compared to 5 years ago, WFC has less shares outstanding

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

2.2 Solvency

The Debt to FCF ratio of WFC is 91.56, which is on the high side as it means it would take WFC, 91.56 years of fcf income to pay off all of its debts.

WFC has a Debt to FCF ratio of 91.56. This is amonst the worse of the industry: WFC underperforms 85.43% of its industry peers.

WFC has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.

WFC has a Debt to Equity ratio of 1.55. This is amonst the worse of the industry: WFC underperforms 88.19% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.55
Debt/FCF	91.56
Altman-Z	N/A

ROIC/WACCN/A

WACC12.48%

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 10.98% 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.

The Revenue has decreased by -1.39% in the past year.

The Revenue has been decreasing by -1.07% on average over the past years.

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.

The Revenue is expected to grow by 3.58% on average over the next years.

EPS Next Y2.91%

EPS Next 2Y8.59%

EPS Next 3Y10.9%

EPS Next 5Y6.03%

Revenue Next Year2.27%

Revenue Next 2Y3.31%

Revenue Next 3Y3.58%

Revenue Next 5YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.11, which indicates a very decent valuation of WFC.

Compared to the rest of the industry, the Price/Earnings ratio of WFC is on the same level as its industry peers.

WFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.

WFC is valuated reasonably with a Price/Forward Earnings ratio of 9.54.

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

WFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.32.

		Industry Rank	Sector Rank
PE	11.11
Fwd PE	9.54

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, WFC is valued expensively inside the industry as 82.91% of the companies are valued cheaper.

		Industry Rank	Sector Rank
P/FCF	68.79
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)3.82

PEG (5Y)1.98

EPS Next 2Y8.59%

EPS Next 3Y10.9%

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5. Dividend

5.1 Amount

WFC has a Yearly Dividend Yield of 2.47%. Purely for dividend investing, there may be better candidates out there.

WFC's Dividend Yield is slightly below the industry average, which is at 3.66.

WFC's Dividend Yield is comparable with the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	2.47%

5.2 History

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

WFC has paid a dividend for at least 10 years, which is 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

33.49% of the earnings are spent on dividend by WFC. This is a low number and sustainable payout ratio.

DP33.49%

EPS Next 2Y8.59%

EPS Next 3Y10.9%

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WELLS FARGO & CO

NYSE:WFC (4/21/2025, 5:05:00 PM)

After market: 63.99 -0.02 (-0.03%)

64.01

-0.7 (-1.08%)

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 Change0.11%

Ins Owners0.09%

Ins Owner Change10.78%

Market Cap208.78B

Analysts77.78

Price Target83.49 (30.43%)

Short Float %0.93%

Short Ratio1.86

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.47%

Yearly Dividend1.81

Dividend Growth(5Y)-3.84%

DP33.49%

Div Incr Years3

Div Non Decr Years3

Ex-Date02-07 2025-02-07 (0.4)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)16.58%

Min EPS beat(2)15.95%

Max EPS beat(2)17.22%

EPS beat(4)4

Avg EPS beat(4)11.76%

Min EPS beat(4)1.93%

Max EPS beat(4)17.22%

EPS beat(8)8

Avg EPS beat(8)10.2%

EPS beat(12)11

Avg EPS beat(12)8.37%

EPS beat(16)15

Avg EPS beat(16)13.82%

Revenue beat(2)0

Avg Revenue beat(2)-1.61%

Min Revenue beat(2)-2%

Max Revenue beat(2)-1.23%

Revenue beat(4)2

Avg Revenue beat(4)-0.01%

Min Revenue beat(4)-2%

Max Revenue beat(4)2.24%

Revenue beat(8)5

Avg Revenue beat(8)0.67%

Revenue beat(12)6

Avg Revenue beat(12)0.22%

Revenue beat(16)10

Avg Revenue beat(16)2.17%

PT rev (1m)-1.72%

PT rev (3m)9.79%

EPS NQ rev (1m)-1.01%

EPS NQ rev (3m)5.98%

EPS NY rev (1m)-1.48%

EPS NY rev (3m)4.55%

Revenue NQ rev (1m)-0.34%

Revenue NQ rev (3m)1.52%

Revenue NY rev (1m)-0.4%

Revenue NY rev (3m)1.23%

Valuation

		Industry Rank	Sector Rank
PE	11.11
Fwd PE	9.54
P/S	2.54
P/FCF	68.79
P/OCF	68.79
P/B	1.17
P/tB	1.43
EV/EBITDA	N/A

EPS(TTM)5.76

EY9%

EPS(NY)6.71

Fwd EY10.48%

FCF(TTM)0.93

FCFY1.45%

OCF(TTM)0.93

OCFY1.45%

SpS25.23

BVpS54.92

TBVpS44.79

PEG (NY)3.82

PEG (5Y)1.98

Profitability

		Industry Rank	Sector Rank
ROA	0.96%
ROE	10.39%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.61%
GM	N/A
FCFM	3.69%

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	1.55
Debt/FCF	91.56
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	16.31%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC12.48%

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 Y2.91%

EPS Next 2Y8.59%

EPS Next 3Y10.9%

EPS Next 5Y6.03%

Revenue 1Y (TTM)-1.39%

Revenue growth 3Y1.3%

Revenue growth 5Y-1.07%

Sales Q2Q%-3.42%

Revenue Next Year2.27%

Revenue Next 2Y3.31%

Revenue Next 3Y3.58%

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-92.48%

FCF growth 3YN/A

FCF growth 5Y-14.72%

OCF growth 1Y-92.48%

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

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