WELLS FARGO & CO (WFC) Stock Fundamental Analysis

NYSE:WFC • US9497461015

88.555 USD
+1.16 (+1.32%)
Last: Feb 18, 2026, 02:34 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to WFC. WFC was compared to 381 industry peers in the Banks industry. WFC has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, WFC is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year WFC was profitable.
  • 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

  • WFC has a Return On Assets (0.97%) which is comparable to the rest of the industry.
  • With a decent Return On Equity value of 11.02%, WFC is doing good in the industry, outperforming 74.02% of the companies in the same industry.
Industry RankSector Rank
ROA 0.97%
ROE 11.02%
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 (24.13%) which is in line with 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 RankSector Rank
OM N/A
PM (TTM) 24.13%
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. Health

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.
  • WFC has less shares outstanding than it did 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 2.25 is on the high side and indicates that WFC has dependencies on debt financing.
  • WFC has a worse Debt to Equity ratio (2.25) than 88.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.25
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.74%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 8.08% over the past year.
  • The Earnings Per Share has been growing by 71.88% on average over the past years. This is a very strong growth
  • Looking at the last year, WFC shows a small growth in Revenue. The Revenue has grown by 1.70% in the last year.
  • The Revenue has been growing slightly by 2.42% on average over the past years.
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

  • Based on estimates for the next years, WFC will show a small growth in Earnings Per Share. The EPS will grow by 7.25% on average per year.
  • 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 Y14.99%
EPS Next 2Y14.27%
EPS Next 3Y12.88%
EPS Next 5Y7.25%
Revenue Next Year5.14%
Revenue Next 2Y4.85%
Revenue Next 3Y4.87%
Revenue Next 5Y3.06%

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 decreasing.
  • 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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.40, WFC is valued correctly.
  • Based on the Price/Earnings ratio, WFC is valued a bit more expensive than the industry average as 61.94% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 27.16, WFC is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 12.52, which indicates a correct valuation of WFC.
  • Based on the Price/Forward Earnings ratio, WFC is valued a bit more expensive than the industry average as 60.10% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 28.10. WFC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.4
Fwd PE 12.52
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.
  • A more expensive valuation may be justified as WFC's earnings are expected to grow with 12.88% in the coming years.
PEG (NY)0.96
PEG (5Y)0.2
EPS Next 2Y14.27%
EPS Next 3Y12.88%

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

4

5. Dividend

5.1 Amount

  • WFC has a Yearly Dividend Yield of 2.04%.
  • WFC's Dividend Yield is slightly below the industry average, which is at 2.78.
  • WFC's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.04%

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
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 32.40% of its income as dividend. This is a sustainable payout ratio.
DP32.4%
EPS Next 2Y14.27%
EPS Next 3Y12.88%
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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WELLS FARGO & CO

NYSE:WFC (2/18/2026, 2:34:09 PM)

88.555

+1.16 (+1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14
Earnings (Next)04-14
Inst Owners79.13%
Inst Owner Change-1.79%
Ins Owners0.1%
Ins Owner Change5.38%
Market Cap273.87B
Revenue(TTM)83.70B
Net Income(TTM)19.97B
Analysts75.48
Price Target103.14 (16.47%)
Short Float %1.04%
Short Ratio2.08
Dividend
Industry RankSector Rank
Dividend Yield 2.04%
Yearly Dividend1.81
Dividend Growth(5Y)-3.84%
DP32.4%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.31%
Min EPS beat(2)6.37%
Max EPS beat(2)8.25%
EPS beat(4)4
Avg EPS beat(4)9.21%
Min EPS beat(4)6.28%
Max EPS beat(4)15.95%
EPS beat(8)8
Avg EPS beat(8)9.58%
EPS beat(12)11
Avg EPS beat(12)7.8%
EPS beat(16)15
Avg EPS beat(16)8.19%
Revenue beat(2)1
Avg Revenue beat(2)-0.2%
Min Revenue beat(2)-0.73%
Max Revenue beat(2)0.33%
Revenue beat(4)1
Avg Revenue beat(4)-1.56%
Min Revenue beat(4)-3.85%
Max Revenue beat(4)0.33%
Revenue beat(8)3
Avg Revenue beat(8)-0.55%
Revenue beat(12)6
Avg Revenue beat(12)0.03%
Revenue beat(16)8
Avg Revenue beat(16)0.69%
PT rev (1m)-0.33%
PT rev (3m)8.57%
EPS NQ rev (1m)-0.81%
EPS NQ rev (3m)-0.73%
EPS NY rev (1m)-0.26%
EPS NY rev (3m)0.45%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)0.06%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)0.08%
Valuation
Industry RankSector Rank
PE 14.4
Fwd PE 12.52
P/S 3.31
P/FCF N/A
P/OCF N/A
P/B 1.51
P/tB 1.84
EV/EBITDA N/A
EPS(TTM)6.15
EY6.94%
EPS(NY)7.07
Fwd EY7.99%
FCF(TTM)-4.6
FCFYN/A
OCF(TTM)-4.6
OCFYN/A
SpS26.77
BVpS58.58
TBVpS48
PEG (NY)0.96
PEG (5Y)0.2
Graham Number90.03
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 11.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.13%
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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.25
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
WACC11.74%
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 Y14.99%
EPS Next 2Y14.27%
EPS Next 3Y12.88%
EPS Next 5Y7.25%
Revenue 1Y (TTM)1.7%
Revenue growth 3Y4.02%
Revenue growth 5Y2.42%
Sales Q2Q%4.49%
Revenue Next Year5.14%
Revenue Next 2Y4.85%
Revenue Next 3Y4.87%
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-215.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-215.28%
OCF growth 3YN/A
OCF growth 5YN/A

WELLS FARGO & CO / WFC FAQ

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

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


What is the valuation status for WFC stock?

ChartMill assigns a valuation rating of 3 / 10 to WELLS FARGO & CO (WFC). This can be considered as Overvalued.


What is the profitability of WFC stock?

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


What are the PE and PB ratios of WELLS FARGO & CO (WFC) stock?

The Price/Earnings (PE) ratio for WELLS FARGO & CO (WFC) is 14.4 and the Price/Book (PB) ratio is 1.51.


What is the earnings growth outlook for WELLS FARGO & CO?

The Earnings per Share (EPS) of WELLS FARGO & CO (WFC) is expected to grow by 14.99% in the next year.