WELLS FARGO & CO (WFC) Fundamental Analysis & Valuation

NYSE:WFC • US9497461015

Current stock price

80.6 USD
+0.03 (+0.04%)
At close:
80.5 USD
-0.1 (-0.12%)
After Hours:

This WFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. WFC Profitability Analysis

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.
  • In the past 5 years WFC has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: WFC reported negative operating cash flow in multiple years.
WFC Yearly Net Income VS EBIT VS OCF VS FCFWFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B 30B 40B

1.2 Ratios

  • With a Return On Assets value of 0.94%, WFC perfoms like the industry average, outperforming 51.58% of the companies in the same industry.
  • WFC has a Return On Equity of 11.20%. This is in the better half of the industry: WFC outperforms 73.16% of its industry peers.
Industry RankSector Rank
ROA 0.94%
ROE 11.2%
ROIC N/A
ROA(3y)0.95%
ROA(5y)0.92%
ROE(3y)10.42%
ROE(5y)9.87%
ROIC(3y)N/A
ROIC(5y)N/A
WFC Yearly ROA, ROE, ROICWFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • WFC has a Profit Margin (24.24%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of WFC has grown nicely.
  • WFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.79%
PM growth 5Y58.73%
GM growth 3YN/A
GM growth 5YN/A
WFC Yearly Profit, Operating, Gross MarginsWFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. WFC Health Analysis

2.1 Basic Checks

  • WFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for WFC has been reduced compared to 1 year ago.
  • The number of shares outstanding for WFC has been reduced compared to 5 years ago.
  • WFC has a worse debt/assets ratio than last year.
WFC Yearly Shares OutstandingWFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B
WFC Yearly Total Debt VS Total AssetsWFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T 2T

2.2 Solvency

  • A Debt/Equity ratio of 2.35 is on the high side and indicates that WFC has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.35, WFC is not doing good in the industry: 89.74% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.35
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.3%
WFC Yearly LT Debt VS Equity VS FCFWFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B 100B 150B 200B 250B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WFC Yearly Current Assets VS Current LiabilitesWFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. WFC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.08% over the past year.
  • Measured over the past years, WFC shows a very strong growth in Earnings Per Share. The EPS has been growing by 71.88% on average per year.
  • WFC shows a small growth in Revenue. In the last year, the Revenue has grown by 1.70%.
  • Measured over the past years, WFC shows a small growth in Revenue. The Revenue has been growing by 2.42% on average per year.
EPS 1Y (TTM)8.08%
EPS 3Y19.43%
EPS 5Y71.88%
EPS Q2Q%2.53%
Revenue 1Y (TTM)1.7%
Revenue growth 3Y4.02%
Revenue growth 5Y2.42%
Sales Q2Q%4.49%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.25% on average over the next years.
  • Based on estimates for the next years, WFC will show a small growth in Revenue. The Revenue will grow by 3.06% on average per year.
EPS Next Y14.85%
EPS Next 2Y14.2%
EPS Next 3Y12.99%
EPS Next 5Y7.25%
Revenue Next Year5.06%
Revenue Next 2Y4.81%
Revenue Next 3Y4.79%
Revenue Next 5Y3.06%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
WFC Yearly Revenue VS EstimatesWFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 20B 40B 60B 80B 100B
WFC Yearly EPS VS EstimatesWFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8 10

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4

4. WFC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.11, the valuation of WFC can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of WFC indicates a slightly more expensive valuation: WFC is more expensive than 60.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, WFC is valued a bit cheaper.
  • WFC is valuated reasonably with a Price/Forward Earnings ratio of 11.41.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WFC is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of WFC to the average of the S&P500 Index (22.84), we can say WFC is valued rather cheaply.
Industry RankSector Rank
PE 13.11
Fwd PE 11.41
WFC Price Earnings VS Forward Price EarningsWFC 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
WFC Per share dataWFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40

4.3 Compensation for Growth

  • WFC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • WFC's earnings are expected to grow with 12.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.88
PEG (5Y)0.18
EPS Next 2Y14.2%
EPS Next 3Y12.99%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. WFC Dividend Analysis

5.1 Amount

  • WFC has a Yearly Dividend Yield of 2.04%. Purely for dividend investing, there may be better candidates out there.
  • WFC's Dividend Yield is slightly below the industry average, which is at 2.66.
  • WFC's Dividend Yield is comparable with the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 2.04%

5.2 History

  • The dividend of WFC is nicely growing with an annual growth rate of 6.49%!
  • 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)6.49%
Div Incr Years3
Div Non Decr Years3
WFC Yearly Dividends per shareWFC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • WFC pays out 31.96% of its income as dividend. This is a sustainable payout ratio.
  • WFC's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP31.96%
EPS Next 2Y14.2%
EPS Next 3Y12.99%
WFC Yearly Income VS Free CF VS DividendWFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B 30B 40B
WFC Dividend Payout.WFC Dividend Payout, showing the Payout Ratio.WFC Dividend Payout.PayoutRetained Earnings

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WFC Fundamentals: All Metrics, Ratios and Statistics

WELLS FARGO & CO

NYSE:WFC (4/2/2026, 8:04:00 PM)

After market: 80.5 -0.1 (-0.12%)

80.6

+0.03 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14
Earnings (Next)04-14
Inst Owners79.25%
Inst Owner Change-2.33%
Ins Owners0.11%
Ins Owner Change9.86%
Market Cap248.70B
Revenue(TTM)83.70B
Net Income(TTM)20.29B
Analysts76.77
Price Target102.58 (27.27%)
Short Float %0.98%
Short Ratio1.7
Dividend
Industry RankSector Rank
Dividend Yield 2.04%
Yearly Dividend2.03
Dividend Growth(5Y)6.49%
DP31.96%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.16%
Min EPS beat(2)-4.04%
Max EPS beat(2)6.37%
EPS beat(4)3
Avg EPS beat(4)4.21%
Min EPS beat(4)-4.04%
Max EPS beat(4)8.25%
EPS beat(8)7
Avg EPS beat(8)7.99%
EPS beat(12)11
Avg EPS beat(12)8.2%
EPS beat(16)14
Avg EPS beat(16)7.33%
Revenue beat(2)1
Avg Revenue beat(2)-1.15%
Min Revenue beat(2)-2.62%
Max Revenue beat(2)0.33%
Revenue beat(4)1
Avg Revenue beat(4)-1.72%
Min Revenue beat(4)-3.85%
Max Revenue beat(4)0.33%
Revenue beat(8)3
Avg Revenue beat(8)-0.86%
Revenue beat(12)6
Avg Revenue beat(12)-0.13%
Revenue beat(16)7
Avg Revenue beat(16)-0.26%
PT rev (1m)-1.21%
PT rev (3m)4.49%
EPS NQ rev (1m)0.2%
EPS NQ rev (3m)1.17%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)-0.37%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.18%
Valuation
Industry RankSector Rank
PE 13.11
Fwd PE 11.41
P/S 2.97
P/FCF N/A
P/OCF N/A
P/B 1.37
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)6.15
EY7.63%
EPS(NY)7.06
Fwd EY8.76%
FCF(TTM)-6.16
FCFYN/A
OCF(TTM)-6.16
OCFYN/A
SpS27.13
BVpS58.7
TBVpS50.61
PEG (NY)0.88
PEG (5Y)0.18
Graham Number90.12
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 11.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.24%
GM N/A
FCFM N/A
ROA(3y)0.95%
ROA(5y)0.92%
ROE(3y)10.42%
ROE(5y)9.87%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.79%
PM growth 5Y58.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.35
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-Score4
WACC10.3%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.08%
EPS 3Y19.43%
EPS 5Y71.88%
EPS Q2Q%2.53%
EPS Next Y14.85%
EPS Next 2Y14.2%
EPS Next 3Y12.99%
EPS Next 5Y7.25%
Revenue 1Y (TTM)1.7%
Revenue growth 3Y4.02%
Revenue growth 5Y2.42%
Sales Q2Q%4.49%
Revenue Next Year5.06%
Revenue Next 2Y4.81%
Revenue Next 3Y4.79%
Revenue Next 5Y3.06%
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-726.06%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-726.06%
OCF growth 3YN/A
OCF growth 5YN/A

WELLS FARGO & CO / WFC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of WELLS FARGO & CO (WFC) stock?

ChartMill assigns a fundamental rating of 3 / 10 to WFC.


Can you provide the valuation status for WELLS FARGO & CO?

ChartMill assigns a valuation rating of 4 / 10 to WELLS FARGO & CO (WFC). This can be considered as Fairly Valued.


How profitable is WELLS FARGO & CO (WFC) stock?

WELLS FARGO & CO (WFC) has a profitability rating of 3 / 10.


What is the valuation of WELLS FARGO & CO based on its PE and PB ratios?

The Price/Earnings (PE) ratio for WELLS FARGO & CO (WFC) is 13.11 and the Price/Book (PB) ratio is 1.37.


Is the dividend of WELLS FARGO & CO sustainable?

The dividend rating of WELLS FARGO & CO (WFC) is 5 / 10 and the dividend payout ratio is 31.96%.