WELLS FARGO & CO(FRA:NWT) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to NWT. NWT was compared to 99 industry peers in the Banks industry. Both the profitability and financial health of NWT have multiple concerns. NWT is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year NWT was profitable.

NWT had a positive operating cash flow in the past year.

NWT had positive earnings in each of the past 5 years.

NWT had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

NWT has a better Return On Assets (0.96%) than 63.44% of its industry peers.

The Return On Equity of NWT (10.39%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.96%
ROE	10.39%
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

NWT has a Profit Margin (22.61%) which is comparable to the rest of the industry.

In the last couple of years the Profit Margin of NWT has grown nicely.

NWT 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)	22.61%
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

NWT does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for NWT has been reduced compared to 1 year ago.

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

Compared to 1 year ago, NWT has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of NWT is 91.56, which is on the high side as it means it would take NWT, 91.56 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of NWT (91.56) is better than 74.19% of its industry peers.

A Debt/Equity ratio of 1.55 is on the high side and indicates that NWT has dependencies on debt financing.

The Debt to Equity ratio of NWT (1.55) is better than 64.52% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.55
Debt/FCF	91.56
Altman-Z	N/A

ROIC/WACCN/A

WACC12.13%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.27% over the past year.

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

Looking at the last year, NWT shows a decrease in Revenue. The Revenue has decreased by -0.36% in the last year.

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

EPS 1Y (TTM)10.27%

EPS 3Y5.11%

EPS 5Y5.61%

EPS Q2Q%22.48%

Revenue 1Y (TTM)-0.36%

Revenue growth 3Y1.3%

Revenue growth 5Y-1.07%

Sales Q2Q%-0.49%

3.2 Future

The Earnings Per Share is expected to decrease by -1.70% on average over the next years.

NWT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.93% yearly.

EPS Next Y4.45%

EPS Next 2Y10.39%

EPS Next 3Y11.95%

EPS Next 5Y-1.7%

Revenue Next Year2.69%

Revenue Next 2Y3.58%

Revenue Next 3Y3.93%

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 decreasing.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

NWT is valuated correctly with a Price/Earnings ratio of 12.53.

Based on the Price/Earnings ratio, NWT is valued expensively inside the industry as 81.72% of the companies are valued cheaper.

NWT is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 12.00, the valuation of NWT can be described as very reasonable.

Based on the Price/Forward Earnings ratio, NWT is valued a bit more expensive than the industry average as 70.97% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, NWT is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	12.53
Fwd PE	12

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of NWT indicates a somewhat cheap valuation: NWT is cheaper than 73.12% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	77.25
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NWT does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)2.81

PEG (5Y)2.23

EPS Next 2Y10.39%

EPS Next 3Y11.95%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.20%, NWT has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 5.06, NWT's dividend is way lower than its industry peers. On top of this 90.32% of the companies listed in the same industry pay a better dividend than NWT!

NWT's Dividend Yield is comparable with the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	2.2%

5.2 History

The dividend of NWT decreases each year by -3.84%.

Dividend Growth(5Y)-3.84%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

NWT pays out 33.49% of its income as dividend. This is a sustainable payout ratio.

NWT's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.

DP33.49%

EPS Next 2Y10.39%

EPS Next 3Y11.95%

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WELLS FARGO & CO

FRA:NWT (3/7/2025, 7:00:00 PM)

65.67

-1.92 (-2.84%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-15 2025-01-15/bmo

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

Inst Owners78.16%

Inst Owner ChangeN/A

Ins Owners0.09%

Ins Owner ChangeN/A

Market Cap215.94B

Analysts77.04

Price Target81.25 (23.72%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.2%

Yearly Dividend1.67

Dividend Growth(5Y)-3.84%

DP33.49%

Div Incr Years3

Div Non Decr Years3

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)16.58%

Min EPS beat(2)15.95%

Max EPS beat(2)17.22%

EPS beat(4)4

Avg EPS beat(4)11.76%

Min EPS beat(4)1.93%

Max EPS beat(4)17.22%

EPS beat(8)8

Avg EPS beat(8)10.2%

EPS beat(12)11

Avg EPS beat(12)8.37%

EPS beat(16)15

Avg EPS beat(16)13.82%

Revenue beat(2)0

Avg Revenue beat(2)-1.61%

Min Revenue beat(2)-2%

Max Revenue beat(2)-1.23%

Revenue beat(4)2

Avg Revenue beat(4)-0.01%

Min Revenue beat(4)-2%

Max Revenue beat(4)2.24%

Revenue beat(8)5

Avg Revenue beat(8)0.67%

Revenue beat(12)6

Avg Revenue beat(12)0.22%

Revenue beat(16)10

Avg Revenue beat(16)2.17%

PT rev (1m)2.69%

PT rev (3m)19.04%

EPS NQ rev (1m)0.04%

EPS NQ rev (3m)7.36%

EPS NY rev (1m)0.62%

EPS NY rev (3m)7.13%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.87%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.34%

Valuation

		Industry Rank	Sector Rank
PE	12.53
Fwd PE	12
P/S	2.85
P/FCF	77.25
P/OCF	77.25
P/B	1.31
P/tB	1.6
EV/EBITDA	N/A

EPS(TTM)5.24

EY7.98%

EPS(NY)5.47

Fwd EY8.34%

FCF(TTM)0.85

FCFY1.29%

OCF(TTM)0.85

OCFY1.29%

SpS23.05

BVpS50.17

TBVpS40.92

PEG (NY)2.81

PEG (5Y)2.23

Profitability

		Industry Rank	Sector Rank
ROA	0.96%
ROE	10.39%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.61%
GM	N/A
FCFM	3.69%

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	1.55
Debt/FCF	91.56
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	16.31%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC12.13%

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)10.27%

EPS 3Y5.11%

EPS 5Y5.61%

EPS Q2Q%22.48%

EPS Next Y4.45%

EPS Next 2Y10.39%

EPS Next 3Y11.95%

EPS Next 5Y-1.7%

Revenue 1Y (TTM)-0.36%

Revenue growth 3Y1.3%

Revenue growth 5Y-1.07%

Sales Q2Q%-0.49%

Revenue Next Year2.69%

Revenue Next 2Y3.58%

Revenue Next 3Y3.93%

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-92.48%

FCF growth 3YN/A

FCF growth 5Y-14.72%

OCF growth 1Y-92.48%

OCF growth 3YN/A

OCF growth 5Y-14.72%

WELLS FARGO & CO (NWT.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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