WFC Fundamental Analysis - WELLS FARGO & CO

Fundamental Rating

WFC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. WFC may be in some trouble as it scores bad on both profitability and health. WFC does not seem to be growing, but still is valued expensively. WFC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year WFC was profitable.

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

Each year in the past 5 years WFC has been profitable.

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

1.2 Ratios

WFC has a Return On Assets of 0.98%. This is in the better half of the industry: WFC outperforms 63.61% of its industry peers.

The Return On Equity of WFC (10.76%) is better than 75.32% of its industry peers.

		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.

WFC's Profit Margin has improved in the last couple of years.

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)	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.

Compared to 1 year ago, WFC has less shares outstanding

WFC has less shares outstanding than it did 5 years ago.

The debt/assets ratio for WFC is higher compared to a year ago.

2.2 Solvency

WFC has a Debt/Equity ratio of 2.01. This is a high value indicating a heavy dependency on external financing.

WFC has a worse Debt to Equity ratio (2.01) than 89.82% of its industry peers.

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

ROIC/WACCN/A

WACC12.17%

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

WFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.28%, which is quite good.

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.

WFC shows a decrease in Revenue. In the last year, the revenue decreased by -1.41%.

Measured over the past years, WFC shows a decrease in Revenue. The Revenue has been decreasing by -1.07% on average per year.

EPS 1Y (TTM)13.28%

EPS 3Y5.11%

EPS 5Y5.61%

EPS Q2Q%15.79%

Revenue 1Y (TTM)-1.41%

Revenue growth 3Y1.3%

Revenue growth 5Y-1.07%

Sales Q2Q%0.64%

3.2 Future

The Earnings Per Share is expected to grow by 6.03% 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 3.52% on average per year.

EPS Next Y3.6%

EPS Next 2Y8.97%

EPS Next 3Y10.86%

EPS Next 5Y6.03%

Revenue Next Year0.61%

Revenue Next 2Y2.63%

Revenue Next 3Y3.52%

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.

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

With a Price/Earnings ratio of 13.18, WFC is valued correctly.

The rest of the industry has a similar Price/Earnings ratio as WFC.

When comparing the Price/Earnings ratio of WFC to the average of the S&P500 Index (26.73), we can say WFC is valued rather cheaply.

WFC is valuated reasonably with a Price/Forward Earnings ratio of 11.65.

Compared to the rest of the industry, the Price/Forward Earnings ratio of WFC indicates a slightly more expensive valuation: WFC is more expensive than 63.10% of the companies listed in the same industry.

WFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.61.

		Industry Rank	Sector Rank
PE	13.18
Fwd PE	11.65

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
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)3.66

PEG (5Y)2.35

EPS Next 2Y8.97%

EPS Next 3Y10.86%

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5. Dividend

5.1 Amount

WFC has a Yearly Dividend Yield of 6.29%, which is a nice return.

WFC's Dividend Yield is rather good when compared to the industry average which is at 3.54. WFC pays more dividend than 91.60% of the companies in the same industry.

WFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	6.29%

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

WFC pays out 32.75% of its income as dividend. This is a sustainable payout ratio.

DP32.75%

EPS Next 2Y8.97%

EPS Next 3Y10.86%

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WELLS FARGO & CO

NYSE:WFC (8/13/2025, 11:41:04 AM)

78.685

-0.8 (-1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-15 2025-07-15/bmo

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

Inst Owners79.44%

Inst Owner Change37.3%

Ins Owners0.1%

Ins Owner Change4.61%

Market Cap253.39B

Analysts77.24

Price Target88.76 (12.8%)

Short Float %1.07%

Short Ratio1.97

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.29%

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)7.23%

PT rev (3m)12.23%

EPS NQ rev (1m)0.48%

EPS NQ rev (3m)-4.04%

EPS NY rev (1m)0%

EPS NY rev (3m)0.67%

Revenue NQ rev (1m)-0.5%

Revenue NQ rev (3m)-1.88%

Revenue NY rev (1m)-0.11%

Revenue NY rev (3m)-0.17%

Valuation

		Industry Rank	Sector Rank
PE	13.18
Fwd PE	11.65
P/S	3.1
P/FCF	N/A
P/OCF	N/A
P/B	1.4
P/tB	1.7
EV/EBITDA	N/A

EPS(TTM)5.97

EY7.59%

EPS(NY)6.76

Fwd EY8.59%

FCF(TTM)-2.84

FCFYN/A

OCF(TTM)-2.84

OCFYN/A

SpS25.37

BVpS56.24

TBVpS46.27

PEG (NY)3.66

PEG (5Y)2.35

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

WACC12.17%

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)13.28%

EPS 3Y5.11%

EPS 5Y5.61%

EPS Q2Q%15.79%

EPS Next Y3.6%

EPS Next 2Y8.97%

EPS Next 3Y10.86%

EPS Next 5Y6.03%

Revenue 1Y (TTM)-1.41%

Revenue growth 3Y1.3%

Revenue growth 5Y-1.07%

Sales Q2Q%0.64%

Revenue Next Year0.61%

Revenue Next 2Y2.63%

Revenue Next 3Y3.52%

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-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