WFC Fundamental Analysis - WELLS FARGO & CO

Fundamental Rating

Overall WFC gets a fundamental rating of 3 out of 10. We evaluated WFC against 391 industry peers in the Banks industry. WFC may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, WFC is valued expensive at the moment.

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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.

In the past 5 years WFC has always been profitable.

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

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 62.66% 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 75.96% 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

The Profit Margin of WFC (23.84%) 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 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.

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.

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 89.26% of its industry peers.

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

ROIC/WACCN/A

WACC11.93%

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 13.15% over the past year.

WFC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.61% yearly.

WFC shows a small growth in Revenue. In the last year, the Revenue has grown by 0.47%.

WFC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.07% yearly.

EPS 1Y (TTM)13.15%

EPS 3Y5.11%

EPS 5Y5.61%

EPS Q2Q%9.21%

Revenue 1Y (TTM)0.47%

Revenue growth 3Y1.3%

Revenue growth 5Y-1.07%

Sales Q2Q%5.25%

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.

The Revenue is expected to grow by 2.75% on average over the next years.

EPS Next Y11.78%

EPS Next 2Y11.07%

EPS Next 3Y12.04%

EPS Next 5Y6.53%

Revenue Next Year1.55%

Revenue Next 2Y3.25%

Revenue Next 3Y3.58%

Revenue Next 5Y2.75%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

WFC is valuated correctly with a Price/Earnings ratio of 13.87.

Based on the Price/Earnings ratio, WFC is valued a bit more expensive than the industry average as 62.15% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 27.77, WFC is valued rather cheaply.

With a Price/Forward Earnings ratio of 12.07, WFC is valued correctly.

Based on the Price/Forward Earnings ratio, WFC is valued a bit more expensive than 67.77% of the companies in the same industry.

WFC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.23, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.87
Fwd PE	12.07

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

A more expensive valuation may be justified as WFC's earnings are expected to grow with 12.04% in the coming years.

PEG (NY)1.18

PEG (5Y)2.47

EPS Next 2Y11.07%

EPS Next 3Y12.04%

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5. Dividend

5.1 Amount

WFC has a Yearly Dividend Yield of 2.09%.

Compared to an average industry Dividend Yield of 3.60, WFC is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.36, WFC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.09%

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

32.75% of the earnings are spent on dividend by WFC. This is a low number and sustainable payout ratio.

DP32.75%

EPS Next 2Y11.07%

EPS Next 3Y12.04%

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WELLS FARGO & CO

NYSE:WFC (10/21/2025, 8:04:00 PM)

Premarket: 84.75 -0.01 (-0.01%)

84.76

-1.26 (-1.46%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-14 2025-10-14/bmo

Earnings (Next)01-14 2026-01-14/amc

Inst Owners79.15%

Inst Owner Change-0.04%

Ins Owners0.1%

Ins Owner Change0.11%

Market Cap266.90B

Analysts76

Price Target89.13 (5.16%)

Short Float %1.38%

Short Ratio3.09

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.09%

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)0.36%

PT rev (3m)1.75%

EPS NQ rev (1m)1.17%

EPS NQ rev (3m)1.77%

EPS NY rev (1m)0.11%

EPS NY rev (3m)3.17%

Revenue NQ rev (1m)0.35%

Revenue NQ rev (3m)-0.17%

Revenue NY rev (1m)0.09%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	13.87
Fwd PE	12.07
P/S	3.27
P/FCF	N/A
P/OCF	N/A
P/B	1.47
P/tB	1.8
EV/EBITDA	N/A

EPS(TTM)6.11

EY7.21%

EPS(NY)7.02

Fwd EY8.28%

FCF(TTM)-2.9

FCFYN/A

OCF(TTM)-2.9

OCFYN/A

SpS25.95

BVpS57.51

TBVpS47.03

PEG (NY)1.18

PEG (5Y)2.47

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

WACC11.93%

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)13.15%

EPS 3Y5.11%

EPS 5Y5.61%

EPS Q2Q%9.21%

EPS Next Y11.78%

EPS Next 2Y11.07%

EPS Next 3Y12.04%

EPS Next 5Y6.53%

Revenue 1Y (TTM)0.47%

Revenue growth 3Y1.3%

Revenue growth 5Y-1.07%

Sales Q2Q%5.25%

Revenue Next Year1.55%

Revenue Next 2Y3.25%

Revenue Next 3Y3.58%

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

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

More info and screens