WEX INC (WEX) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:WEX - US96208T1043 - Common Stock
154.67 USD
+2.83 (+1.86%)
Taking everything into account, WEX scores 4 out of 10 in our fundamental rating. WEX was compared to 97 industry peers in the Financial Services industry. While WEX has a great profitability rating, there are quite some concerns on its financial health. WEX is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- WEX had positive earnings in the past year.
- In the past year WEX had a positive cash flow from operations.
- WEX had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years WEX had a positive operating cash flow.
1.2 Ratios
- WEX's Return On Assets of 1.97% is fine compared to the rest of the industry. WEX outperforms 60.82% of its industry peers.
- Looking at the Return On Equity, with a value of 25.38%, WEX belongs to the top of the industry, outperforming 90.72% of the companies in the same industry.
- The Return On Invested Capital of WEX (7.87%) is better than 75.26% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for WEX is in line with the industry average of 8.44%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.97% | ||
| ROE | 25.38% | ||
| ROIC | 7.87% |
ROA(3y)2%
ROA(5y)0.6%
ROE(3y)15.88%
ROE(5y)6.97%
ROIC(3y)8.63%
ROIC(5y)6.48%
1.3 Margins
- WEX's Profit Margin of 10.81% is in line compared to the rest of the industry. WEX outperforms 52.58% of its industry peers.
- In the last couple of years the Profit Margin of WEX has grown nicely.
- WEX has a better Operating Margin (29.09%) than 76.29% of its industry peers.
- WEX's Operating Margin has improved in the last couple of years.
- With a decent Gross Margin value of 63.19%, WEX is doing good in the industry, outperforming 75.26% of the companies in the same industry.
- In the last couple of years the Gross Margin of WEX has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 29.09% | ||
| PM (TTM) | 10.81% | ||
| GM | 63.19% |
OM growth 3Y15.67%
OM growth 5Y3.83%
PM growth 3Y1067.47%
PM growth 5Y15.45%
GM growth 3Y1.01%
GM growth 5Y0.1%
2. Health
2.1 Basic Checks
- WEX has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- The number of shares outstanding for WEX has been reduced compared to 1 year ago.
- Compared to 5 years ago, WEX has less shares outstanding
- The debt/assets ratio for WEX is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 0.51, we must say that WEX is in the distress zone and has some risk of bankruptcy.
- WEX's Altman-Z score of 0.51 is in line compared to the rest of the industry. WEX outperforms 53.61% of its industry peers.
- WEX has a debt to FCF ratio of 7.82. This is a slightly negative value and a sign of low solvency as WEX would need 7.82 years to pay back of all of its debts.
- The Debt to FCF ratio of WEX (7.82) is comparable to the rest of the industry.
- WEX has a Debt/Equity ratio of 4.44. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 4.44, WEX is not doing good in the industry: 79.38% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.44 | ||
| Debt/FCF | 7.82 | ||
| Altman-Z | 0.51 |
ROIC/WACC0.92
WACC8.52%
2.3 Liquidity
- A Current Ratio of 0.57 indicates that WEX may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.57, WEX is in line with its industry, outperforming 40.21% of the companies in the same industry.
- A Quick Ratio of 0.57 indicates that WEX may have some problems paying its short term obligations.
- WEX has a Quick ratio (0.57) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 0.58% over the past year.
- The Earnings Per Share has been growing by 10.68% on average over the past years. This is quite good.
- The Revenue has decreased by -1.15% in the past year.
- The Revenue has been growing by 8.80% on average over the past years. This is quite good.
EPS 1Y (TTM)0.58%
EPS 3Y18.73%
EPS 5Y10.68%
EPS Q2Q%5.52%
Revenue 1Y (TTM)-1.15%
Revenue growth 3Y12.4%
Revenue growth 5Y8.8%
Sales Q2Q%3.95%
3.2 Future
- Based on estimates for the next years, WEX will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.79% on average per year.
- Based on estimates for the next years, WEX will show a small growth in Revenue. The Revenue will grow by 4.21% on average per year.
EPS Next Y5.29%
EPS Next 2Y8.01%
EPS Next 3Y8.09%
EPS Next 5Y8.79%
Revenue Next Year0.83%
Revenue Next 2Y2.46%
Revenue Next 3Y3.45%
Revenue Next 5Y4.21%
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 9.90, the valuation of WEX can be described as very reasonable.
- WEX's Price/Earnings ratio is a bit cheaper when compared to the industry. WEX is cheaper than 63.92% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 26.94, WEX is valued rather cheaply.
- A Price/Forward Earnings ratio of 8.68 indicates a reasonable valuation of WEX.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of WEX indicates a somewhat cheap valuation: WEX is cheaper than 63.92% of the companies listed in the same industry.
- WEX is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.9 | ||
| Fwd PE | 8.68 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of WEX indicates a somewhat cheap valuation: WEX is cheaper than 77.32% of the companies listed in the same industry.
- WEX's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. WEX is cheaper than 79.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.25 | ||
| EV/EBITDA | 7.46 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates WEX does not grow enough to justify the current Price/Earnings ratio.
- WEX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.87
PEG (5Y)0.93
EPS Next 2Y8.01%
EPS Next 3Y8.09%
5. Dividend
5.1 Amount
- No dividends for WEX!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:WEX (1/21/2026, 9:53:20 AM)
154.67
+2.83 (+1.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)02-05 2026-02-05/bmo
Inst Owners113.31%
Inst Owner Change0.08%
Ins Owners0.63%
Ins Owner Change0.21%
Market Cap5.30B
Revenue(TTM)2.62B
Net Income(TTM)283.80M
Analysts71.11
Price Target179.88 (16.3%)
Short Float %4.75%
Short Ratio4.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.19%
Min EPS beat(2)2.52%
Max EPS beat(2)5.86%
EPS beat(4)3
Avg EPS beat(4)2.08%
Min EPS beat(4)-0.45%
Max EPS beat(4)5.86%
EPS beat(8)6
Avg EPS beat(8)1.61%
EPS beat(12)10
Avg EPS beat(12)3.1%
EPS beat(16)14
Avg EPS beat(16)3.61%
Revenue beat(2)1
Avg Revenue beat(2)0.32%
Min Revenue beat(2)-0.18%
Max Revenue beat(2)0.81%
Revenue beat(4)1
Avg Revenue beat(4)-0.09%
Min Revenue beat(4)-0.62%
Max Revenue beat(4)0.81%
Revenue beat(8)2
Avg Revenue beat(8)-0.9%
Revenue beat(12)5
Avg Revenue beat(12)-0.13%
Revenue beat(16)9
Avg Revenue beat(16)0.58%
PT rev (1m)0%
PT rev (3m)-2.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.2%
EPS NY rev (1m)0%
EPS NY rev (3m)1.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.9 | ||
| Fwd PE | 8.68 | ||
| P/S | 2.02 | ||
| P/FCF | 8.25 | ||
| P/OCF | 6.65 | ||
| P/B | 4.74 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.46 |
EPS(TTM)15.62
EY10.1%
EPS(NY)17.82
Fwd EY11.52%
FCF(TTM)18.74
FCFY12.12%
OCF(TTM)23.27
OCFY15.05%
SpS76.54
BVpS32.62
TBVpS-88.32
PEG (NY)1.87
PEG (5Y)0.93
Graham Number107.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.97% | ||
| ROE | 25.38% | ||
| ROCE | 13.06% | ||
| ROIC | 7.87% | ||
| ROICexc | 8.89% | ||
| ROICexgc | 28.5% | ||
| OM | 29.09% | ||
| PM (TTM) | 10.81% | ||
| GM | 63.19% | ||
| FCFM | 24.48% |
ROA(3y)2%
ROA(5y)0.6%
ROE(3y)15.88%
ROE(5y)6.97%
ROIC(3y)8.63%
ROIC(5y)6.48%
ROICexc(3y)9.95%
ROICexc(5y)7.43%
ROICexgc(3y)59.51%
ROICexgc(5y)44.03%
ROCE(3y)11.79%
ROCE(5y)8.85%
ROICexgc growth 3Y50.84%
ROICexgc growth 5Y0.15%
ROICexc growth 3Y36.06%
ROICexc growth 5Y10.13%
OM growth 3Y15.67%
OM growth 5Y3.83%
PM growth 3Y1067.47%
PM growth 5Y15.45%
GM growth 3Y1.01%
GM growth 5Y0.1%
F-Score4
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.44 | ||
| Debt/FCF | 7.82 | ||
| Debt/EBITDA | 4.54 | ||
| Cap/Depr | 46.95% | ||
| Cap/Sales | 5.92% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 72.91% | ||
| Profit Quality | 226.43% | ||
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 | ||
| Altman-Z | 0.51 |
F-Score4
WACC8.52%
ROIC/WACC0.92
Cap/Depr(3y)48.37%
Cap/Depr(5y)41.48%
Cap/Sales(3y)5.52%
Cap/Sales(5y)5.27%
Profit Quality(3y)223.62%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.58%
EPS 3Y18.73%
EPS 5Y10.68%
EPS Q2Q%5.52%
EPS Next Y5.29%
EPS Next 2Y8.01%
EPS Next 3Y8.09%
EPS Next 5Y8.79%
Revenue 1Y (TTM)-1.15%
Revenue growth 3Y12.4%
Revenue growth 5Y8.8%
Sales Q2Q%3.95%
Revenue Next Year0.83%
Revenue Next 2Y2.46%
Revenue Next 3Y3.45%
Revenue Next 5Y4.21%
EBIT growth 1Y-4.19%
EBIT growth 3Y30.01%
EBIT growth 5Y12.97%
EBIT Next Year7.55%
EBIT Next 3Y7.18%
EBIT Next 5YN/A
FCF growth 1Y185.37%
FCF growth 3Y72.27%
FCF growth 5Y-10.1%
OCF growth 1Y116.39%
OCF growth 3Y47.37%
OCF growth 5Y-6.21%
WEX INC / WEX FAQ
What is the fundamental rating for WEX stock?
ChartMill assigns a fundamental rating of 4 / 10 to WEX.
What is the valuation status for WEX stock?
ChartMill assigns a valuation rating of 6 / 10 to WEX INC (WEX). This can be considered as Fairly Valued.
How profitable is WEX INC (WEX) stock?
WEX INC (WEX) has a profitability rating of 7 / 10.
What are the PE and PB ratios of WEX INC (WEX) stock?
The Price/Earnings (PE) ratio for WEX INC (WEX) is 9.9 and the Price/Book (PB) ratio is 4.74.
Can you provide the expected EPS growth for WEX stock?
The Earnings per Share (EPS) of WEX INC (WEX) is expected to grow by 5.29% in the next year.