WELLS FARGO & CO (WFC) Fundamental Analysis & Valuation

NYSE:WFC • US9497461015

74.86 USD
-2.02 (-2.63%)
Last: Mar 12, 2026, 02:00 PM
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This WFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Taking everything into account, WFC scores 3 out of 10 in our fundamental rating. WFC was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of WFC have multiple concerns. WFC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. WFC Profitability Analysis

1.1 Basic Checks

  • In the past year WFC was profitable.
  • WFC had a negative operating cash flow in the past year.
  • WFC had positive earnings in each of the past 5 years.
  • 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's Return On Assets of 0.94% is in line compared to the rest of the industry. WFC outperforms 54.07% of its industry peers.
  • WFC has a better Return On Equity (11.20%) than 74.28% 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

  • With a Profit Margin value of 24.24%, WFC perfoms like the industry average, outperforming 46.98% of the companies in the same industry.
  • In the last couple of years the Profit Margin of WFC has grown nicely.
  • The Operating Margin and Gross Margin are not available for WFC so they could not be analyzed.
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.
  • 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.
  • Compared to 1 year ago, WFC has a worse debt to assets ratio.
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.
  • 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
WACC10.41%
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.
  • Measured over the past years, WFC shows a very strong growth in Earnings Per Share. The EPS has been growing by 71.88% on average per year.
  • 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

  • The Earnings Per Share is expected to grow by 7.25% 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 3.06% on average per year.
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

  • 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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Find the best growth stocksShow best growing peers

4

4. WFC Valuation Analysis

4.1 Price/Earnings Ratio

  • WFC is valuated correctly with a Price/Earnings ratio of 12.17.
  • WFC's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of WFC to the average of the S&P500 Index (26.15), we can say WFC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.60, the valuation of WFC can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as WFC.
  • WFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.27.
Industry RankSector Rank
PE 12.17
Fwd PE 10.6
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.
  • WFC's earnings are expected to grow with 12.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.82
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%. Purely for dividend investing, there may be better candidates out there.
  • WFC's Dividend Yield is slightly below the industry average, which is at 2.86.
  • 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 2.04%

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

  • WFC pays out 31.96% of its income as dividend. This is a 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 (3/12/2026, 2:00:10 PM)

74.86

-2.02 (-2.63%)

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 Change4.19%
Market Cap230.99B
Revenue(TTM)83.70B
Net Income(TTM)20.29B
Analysts76.77
Price Target103.83 (38.7%)
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 12.17
Fwd PE 10.6
P/S 2.76
P/FCF N/A
P/OCF N/A
P/B 1.28
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)6.15
EY8.22%
EPS(NY)7.06
Fwd EY9.44%
FCF(TTM)-6.16
FCFYN/A
OCF(TTM)-6.16
OCFYN/A
SpS27.13
BVpS58.7
TBVpS50.61
PEG (NY)0.82
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
WACC10.41%
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 12.17 and the Price/Book (PB) ratio is 1.28.


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.