WELLS FARGO & CO (WFC) Fundamental Analysis & Valuation

NYSE:WFC • US9497461015

Current stock price

81.7 USD
-4.94 (-5.7%)
At close:
81.74 USD
+0.04 (+0.05%)
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.
  • WFC had a negative operating cash flow in the past year.
  • WFC had positive earnings in each of the past 5 years.
  • 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

  • The Return On Assets of WFC (0.94%) is comparable to the rest of the industry.
  • WFC's Return On Equity of 11.20% is fine compared to the rest of the industry. WFC outperforms 71.88% 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

  • Looking at the Profit Margin, with a value of 24.24%, WFC is in line with its industry, outperforming 42.97% of the companies in the same industry.
  • 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) 24.24%
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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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.
  • Compared to 1 year ago, WFC has less shares outstanding
  • Compared to 5 years ago, WFC has less shares outstanding
  • 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

  • WFC has a Debt/Equity ratio of 2.35. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 2.35, WFC is doing worse than 90.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.35
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.4%
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

  • WFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.08%, which is quite good.
  • WFC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 71.88% yearly.
  • Looking at the last year, WFC shows a small growth in Revenue. The Revenue has grown by 1.70% in the last year.
  • 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

  • WFC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.25% yearly.
  • 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 Y14.96%
EPS Next 2Y14.3%
EPS Next 3Y13.49%
EPS Next 5Y7.25%
Revenue Next Year5.02%
Revenue Next 2Y4.77%
Revenue Next 3Y4.9%
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

  • With a Price/Earnings ratio of 13.28, WFC is valued correctly.
  • Based on the Price/Earnings ratio, WFC is valued a bit more expensive than 63.93% of the companies in the same industry.
  • WFC is valuated cheaply when we compare the Price/Earnings ratio to 27.34, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 11.56, the valuation of WFC can be described as reasonable.
  • 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 63.40% 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 38.18.
Industry RankSector Rank
PE 13.28
Fwd PE 11.56
WFC Price Earnings VS Forward Price EarningsWFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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.
  • A more expensive valuation may be justified as WFC's earnings are expected to grow with 13.49% in the coming years.
PEG (NY)0.89
PEG (5Y)0.18
EPS Next 2Y14.3%
EPS Next 3Y13.49%

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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 2.09%. Purely for dividend investing, there may be better candidates out there.
  • WFC's Dividend Yield is slightly below the industry average, which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.82, WFC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.09%

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 Years4
Div Non Decr Years4
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 2Y14.3%
EPS Next 3Y13.49%
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 (4/14/2026, 8:04:00 PM)

After market: 81.74 +0.04 (+0.05%)

81.7

-4.94 (-5.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-14
Earnings (Next)N/A
Inst Owners79.53%
Inst Owner Change-0.01%
Ins Owners0.13%
Ins Owner Change9.86%
Market Cap251.22B
Revenue(TTM)83.70B
Net Income(TTM)20.29B
Analysts78.13
Price Target101.05 (23.68%)
Short Float %0.94%
Short Ratio1.73
Dividend
Industry RankSector Rank
Dividend Yield 2.09%
Yearly Dividend2.03
Dividend Growth(5Y)6.49%
DP31.96%
Div Incr Years4
Div Non Decr Years4
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)-2.68%
PT rev (3m)2.92%
EPS NQ rev (1m)0.57%
EPS NQ rev (3m)1.54%
EPS NY rev (1m)0.09%
EPS NY rev (3m)-0.28%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)-0.11%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.22%
Valuation
Industry RankSector Rank
PE 13.28
Fwd PE 11.56
P/S 3
P/FCF N/A
P/OCF N/A
P/B 1.39
P/tB 1.61
EV/EBITDA N/A
EPS(TTM)6.15
EY7.53%
EPS(NY)7.07
Fwd EY8.65%
FCF(TTM)-6.18
FCFYN/A
OCF(TTM)-6.18
OCFYN/A
SpS27.22
BVpS58.9
TBVpS50.78
PEG (NY)0.89
PEG (5Y)0.18
Graham Number90.28
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
WACC10.4%
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 Y14.96%
EPS Next 2Y14.3%
EPS Next 3Y13.49%
EPS Next 5Y7.25%
Revenue 1Y (TTM)1.7%
Revenue growth 3Y4.02%
Revenue growth 5Y2.42%
Sales Q2Q%4.49%
Revenue Next Year5.02%
Revenue Next 2Y4.77%
Revenue Next 3Y4.9%
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 13.28 and the Price/Book (PB) ratio is 1.39.


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%.