WELLS FARGO & CO (WFC) Fundamental Analysis & Valuation

NYSE:WFC • US9497461015

74.1 USD
-1.15 (-1.53%)
At close: Mar 13, 2026
74.1101 USD
+0.01 (+0.01%)
After Hours: 3/13/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

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 may be in some trouble as it scores bad on both profitability and health. WFC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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.
  • In multiple years WFC reported negative operating cash flow during the last 5 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 (0.94%) which is comparable to the rest of the industry.
  • With a decent Return On Equity value of 11.20%, WFC is doing good in the industry, outperforming 74.28% of the companies in the same industry.
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 of 24.24%. This is comparable to the rest of the industry: WFC outperforms 46.98% of its industry peers.
  • 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.
  • WFC has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, WFC has less shares outstanding
  • The debt/assets ratio for WFC is higher compared to a year ago.
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.
  • WFC's Debt to Equity ratio of 2.35 is on the low side compared to the rest of the industry. WFC is outperformed by 89.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.35
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.5%
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.
  • WFC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 71.88% yearly.
  • WFC shows a small growth in Revenue. In the last year, the Revenue has grown by 1.70%.
  • 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

  • The Earnings Per Share is expected to grow by 7.25% on average over the next years.
  • WFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.06% yearly.
EPS Next Y14.85%
EPS Next 2Y14.2%
EPS Next 3Y12.99%
EPS Next 5Y7.25%
Revenue Next Year5.07%
Revenue Next 2Y4.81%
Revenue Next 3Y4.79%
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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4

4. WFC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.05, which indicates a correct valuation of WFC.
  • WFC's Price/Earnings is on the same level as the industry average.
  • WFC is valuated cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 10.49, which indicates a very decent valuation of WFC.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WFC is on the same level as its industry peers.
  • WFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.05
Fwd PE 10.49
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

  • The 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)0.81
PEG (5Y)0.17
EPS Next 2Y14.2%
EPS Next 3Y12.99%

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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%.
  • In the last 3 months the price of WFC has falen by -20.12%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • WFC's Dividend Yield is slightly below the industry average, which is at 2.86.
  • 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

  • On average, the dividend of WFC grows each year by 6.49%, which is quite nice.
  • 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

  • 31.96% of the earnings are spent on dividend by WFC. This is a low number and 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 (3/13/2026, 8:04:00 PM)

After market: 74.1101 +0.01 (+0.01%)

74.1

-1.15 (-1.53%)

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 Cap228.65B
Revenue(TTM)83.70B
Net Income(TTM)20.29B
Analysts76.77
Price Target103.83 (40.12%)
Short Float %0.86%
Short Ratio1.68
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)0.67%
PT rev (3m)8.32%
EPS NQ rev (1m)0.02%
EPS NQ rev (3m)2.66%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)0.27%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)0.01%
Valuation
Industry RankSector Rank
PE 12.05
Fwd PE 10.49
P/S 2.73
P/FCF N/A
P/OCF N/A
P/B 1.26
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)6.15
EY8.3%
EPS(NY)7.06
Fwd EY9.53%
FCF(TTM)-6.16
FCFYN/A
OCF(TTM)-6.16
OCFYN/A
SpS27.13
BVpS58.7
TBVpS50.61
PEG (NY)0.81
PEG (5Y)0.17
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
WACC10.5%
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 Year5.07%
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 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 4 / 10 to WELLS FARGO & CO (WFC). This can be considered as Fairly Valued.


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 12.05 and the Price/Book (PB) ratio is 1.26.


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 14.85% in the next year.