WEX INC (WEX) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:WEX • US96208T1043

146.47 USD
-2.44 (-1.64%)
Last: Feb 5, 2026, 02:41 PM
Fundamental Rating

4

WEX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. There are concerns on the financial health of WEX while its profitability can be described as average. WEX is valued quite cheap, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year WEX was profitable.
  • WEX had a positive operating cash flow in the past year.
  • Of the past 5 years WEX 4 years were profitable.
  • Of the past 5 years WEX 4 years had a positive operating cash flow.
WEX Yearly Net Income VS EBIT VS OCF VS FCFWEX 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 0 200M -200M 400M 600M 800M

1.2 Ratios

  • The Return On Assets of WEX (1.97%) is better than 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 89.69% 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 8.52%.
Industry RankSector 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%
WEX Yearly ROA, ROE, ROICWEX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

1.3 Margins

  • WEX has a Profit Margin (10.81%) which is comparable to the rest of the industry.
  • WEX's Profit Margin has improved in the last couple of years.
  • The Operating Margin of WEX (29.09%) is better than 76.29% of its industry peers.
  • In the last couple of years the Operating Margin of WEX has grown nicely.
  • WEX has a better Gross Margin (63.19%) than 75.26% of its industry peers.
  • WEX's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
WEX Yearly Profit, Operating, Gross MarginsWEX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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2

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.
  • WEX has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
WEX Yearly Shares OutstandingWEX Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
WEX Yearly Total Debt VS Total AssetsWEX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of 0.50, we must say that WEX is in the distress zone and has some risk of bankruptcy.
  • WEX has a Altman-Z score of 0.50. This is comparable to the rest of the industry: WEX outperforms 53.61% of its industry peers.
  • The Debt to FCF ratio of WEX is 7.82, which is on the high side as it means it would take WEX, 7.82 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 7.82, WEX is in line with its industry, outperforming 46.39% of the companies in the same industry.
  • A Debt/Equity ratio of 4.44 is on the high side and indicates that WEX has dependencies on debt financing.
  • WEX has a worse Debt to Equity ratio (4.44) than 78.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.44
Debt/FCF 7.82
Altman-Z 0.5
ROIC/WACC0.92
WACC8.59%
WEX Yearly LT Debt VS Equity VS FCFWEX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 0.57 indicates that WEX may have some problems paying its short term obligations.
  • With a Current ratio value of 0.57, WEX perfoms like the industry average, outperforming 41.24% 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 of 0.57. This is comparable to the rest of the industry: WEX outperforms 41.24% of its industry peers.
Industry RankSector Rank
Current Ratio 0.57
Quick Ratio 0.57
WEX Yearly Current Assets VS Current LiabilitesWEX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.76% over the past year.
  • Measured over the past years, WEX shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.67% on average per year.
EPS 1Y (TTM)5.76%
EPS 3Y6.07%
EPS 5Y21.67%
EPS Q2Q%15.13%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%5.72%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.82% on average over the next years. This is quite good.
  • Based on estimates for the next years, WEX will show a small growth in Revenue. The Revenue will grow by 5.32% on average per year.
EPS Next Y9.8%
EPS Next 2Y9.14%
EPS Next 3Y9.82%
EPS Next 5YN/A
Revenue Next Year3.88%
Revenue Next 2Y4.65%
Revenue Next 3Y5.32%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
WEX Yearly Revenue VS EstimatesWEX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
WEX Yearly EPS VS EstimatesWEX Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15 20

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.06, which indicates a very decent valuation of WEX.
  • Based on the Price/Earnings ratio, WEX is valued a bit cheaper than 68.04% of the companies in the same industry.
  • WEX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.25.
  • WEX is valuated reasonably with a Price/Forward Earnings ratio of 8.25.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WEX indicates a somewhat cheap valuation: WEX is cheaper than 62.89% of the companies listed in the same industry.
  • WEX is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.06
Fwd PE 8.25
WEX Price Earnings VS Forward Price EarningsWEX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • WEX's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. WEX is cheaper than 79.38% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, WEX is valued cheaper than 80.41% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.82
EV/EBITDA 7.37
WEX Per share dataWEX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50

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.
  • The decent profitability rating of WEX may justify a higher PE ratio.
PEG (NY)0.92
PEG (5Y)0.42
EPS Next 2Y9.14%
EPS Next 3Y9.82%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • WEX does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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WEX INC

NYSE:WEX (2/5/2026, 2:41:56 PM)

146.47

-2.44 (-1.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners113.31%
Inst Owner Change-1.21%
Ins Owners0.63%
Ins Owner Change0.36%
Market Cap5.02B
Revenue(TTM)N/A
Net Income(TTM)283.80M
Analysts71.11
Price Target176.88 (20.76%)
Short Float %4.89%
Short Ratio4.86
Dividend
Industry RankSector 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)-2.05%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)2.29%
EPS NY rev (1m)0%
EPS NY rev (3m)1.55%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)0.69%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.64%
Valuation
Industry RankSector Rank
PE 9.06
Fwd PE 8.25
P/S 1.91
P/FCF 7.82
P/OCF 6.29
P/B 4.49
P/tB N/A
EV/EBITDA 7.37
EPS(TTM)16.16
EY11.03%
EPS(NY)17.74
Fwd EY12.11%
FCF(TTM)18.74
FCFY12.79%
OCF(TTM)23.27
OCFY15.89%
SpS76.54
BVpS32.62
TBVpS-88.32
PEG (NY)0.92
PEG (5Y)0.42
Graham Number108.9
Profitability
Industry RankSector 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 RankSector 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 0.5
F-Score4
WACC8.59%
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)5.76%
EPS 3Y6.07%
EPS 5Y21.67%
EPS Q2Q%15.13%
EPS Next Y9.8%
EPS Next 2Y9.14%
EPS Next 3Y9.82%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%5.72%
Revenue Next Year3.88%
Revenue Next 2Y4.65%
Revenue Next 3Y5.32%
Revenue Next 5YN/A
EBIT growth 1Y-4.19%
EBIT growth 3Y30.01%
EBIT growth 5Y12.97%
EBIT Next Year7.55%
EBIT Next 3Y7.16%
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 7 / 10 to WEX INC (WEX). This can be considered as Undervalued.


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 9.06 and the Price/Book (PB) ratio is 4.49.


Can you provide the expected EPS growth for WEX stock?

The Earnings per Share (EPS) of WEX INC (WEX) is expected to grow by 9.8% in the next year.