WEX INC (WEX) Stock Fundamental Analysis
NYSE:WEX • US96208T1043
151.29 USD
+1.26 (+0.84%)
At close: Feb 26, 2026
151.29 USD
0 (0%)
After Hours: 2/26/2026, 8:04:00 PM
WEX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. While WEX is still in line with the averages on profitability rating, there are concerns on its financial health. WEX may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
- In the past year WEX was profitable.
- WEX had a positive operating cash flow in the past year.
- WEX had positive earnings in each of the past 5 years.
- Of the past 5 years WEX 4 years had a positive operating cash flow.
1.2 Ratios
- WEX has a Return On Assets (1.97%) which is in line with its industry peers.
- Looking at the Return On Equity, with a value of 25.38%, WEX belongs to the top of the industry, outperforming 89.80% of the companies in the same industry.
- With a decent Return On Invested Capital value of 7.88%, WEX is doing good in the industry, outperforming 75.51% of the companies in the same industry.
- WEX had an Average Return On Invested Capital over the past 3 years of 9.30%. This is in line with the industry average of 8.40%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.97% | ||
| ROE | 25.38% | ||
| ROIC | 7.88% |
ROA(3y)2.12%
ROA(5y)1.62%
ROE(3y)20.02%
ROE(5y)14.46%
ROIC(3y)9.3%
ROIC(5y)7.92%
1.3 Margins
- WEX's Profit Margin of 10.81% is in line compared to the rest of the industry. WEX outperforms 53.06% of its industry peers.
- WEX's Profit Margin has improved in the last couple of years.
- WEX's Operating Margin of 29.09% is fine compared to the rest of the industry. WEX outperforms 77.55% of its industry peers.
- In the last couple of years the Operating Margin of WEX has grown nicely.
- The Gross Margin of WEX (63.19%) is better than 76.53% of its industry peers.
- WEX's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 29.09% | ||
| PM (TTM) | 10.81% | ||
| GM | 63.19% |
OM growth 3Y2.39%
OM growth 5Y18.45%
PM growth 3Y10.07%
PM growth 5YN/A
GM growth 3Y0.78%
GM growth 5Y1.45%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), WEX 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
- Compared to 1 year ago, WEX has a worse debt to assets ratio.
2.2 Solvency
- WEX has an Altman-Z score of 0.51. This is a bad value and indicates that WEX is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of WEX (0.51) is comparable to the rest of the industry.
- 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.
- WEX has a Debt to FCF ratio (7.82) which 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.
- The Debt to Equity ratio of WEX (4.44) is worse than 78.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.44 | ||
| Debt/FCF | 7.82 | ||
| Altman-Z | 0.51 |
ROIC/WACC0.93
WACC8.44%
2.3 Liquidity
- WEX has a Current Ratio of 0.57. This is a bad value and indicates that WEX is not financially healthy enough and could expect problems in meeting its short term obligations.
- WEX has a Current ratio (0.57) which is comparable to the rest of the industry.
- WEX has a Quick Ratio of 0.57. This is a bad value and indicates that WEX is not financially healthy enough and could expect problems in meeting 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
- WEX shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.76%.
- The Earnings Per Share has been growing by 21.67% on average over the past years. This is a very strong growth
- Looking at the last year, WEX shows a small growth in Revenue. The Revenue has grown by 1.24% in the last year.
- The Revenue has been growing by 11.27% on average over the past years. This is quite good.
EPS 1Y (TTM)5.76%
EPS 3Y6.07%
EPS 5Y21.67%
EPS Q2Q%15.13%
Revenue 1Y (TTM)1.24%
Revenue growth 3Y4.22%
Revenue growth 5Y11.27%
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 4.30% on average per year.
EPS Next Y9.8%
EPS Next 2Y9.14%
EPS Next 3Y9.82%
EPS Next 5YN/A
Revenue Next Year3.06%
Revenue Next 2Y4.1%
Revenue Next 3Y4.3%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 9.36, the valuation of WEX can be described as reasonable.
- Based on the Price/Earnings ratio, WEX is valued a bit cheaper than 64.29% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, WEX is valued rather cheaply.
- WEX is valuated reasonably with a Price/Forward Earnings ratio of 8.53.
- 61.22% of the companies in the same industry are more expensive than WEX, based on the Price/Forward Earnings ratio.
- WEX is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.36 | ||
| Fwd PE | 8.53 |
4.2 Price Multiples
- 78.57% of the companies in the same industry are more expensive than WEX, based on the Enterprise Value to EBITDA ratio.
- WEX's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. WEX is cheaper than 79.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.07 | ||
| EV/EBITDA | 7.41 |
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.
- WEX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.96
PEG (5Y)0.43
EPS Next 2Y9.14%
EPS Next 3Y9.82%
5. Dividend
5.1 Amount
- WEX does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
151.29
+1.26 (+0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)04-28 2026-04-28/bmo
Inst Owners113.31%
Inst Owner Change0.87%
Ins Owners0.63%
Ins Owner Change0.42%
Market Cap5.19B
Revenue(TTM)2.66B
Net Income(TTM)283.80M
Analysts70.53
Price Target176.88 (16.91%)
Short Float %5.6%
Short Ratio4.62
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)-1.67%
PT rev (3m)-2%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)0.89%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)-0.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)-0.9%
Revenue NY rev (3m)-1.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.36 | ||
| Fwd PE | 8.53 | ||
| P/S | 1.98 | ||
| P/FCF | 8.07 | ||
| P/OCF | 6.5 | ||
| P/B | 4.64 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.41 |
EPS(TTM)16.16
EY10.68%
EPS(NY)17.74
Fwd EY11.73%
FCF(TTM)18.74
FCFY12.39%
OCF(TTM)23.27
OCFY15.38%
SpS76.54
BVpS32.62
TBVpS-88.32
PEG (NY)0.96
PEG (5Y)0.43
Graham Number108.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.97% | ||
| ROE | 25.38% | ||
| ROCE | 13.06% | ||
| ROIC | 7.88% | ||
| ROICexc | 8.89% | ||
| ROICexgc | 28.52% | ||
| OM | 29.09% | ||
| PM (TTM) | 10.81% | ||
| GM | 63.19% | ||
| FCFM | 24.48% |
ROA(3y)2.12%
ROA(5y)1.62%
ROE(3y)20.02%
ROE(5y)14.46%
ROIC(3y)9.3%
ROIC(5y)7.92%
ROICexc(3y)10.75%
ROICexc(5y)9.14%
ROICexgc(3y)69.69%
ROICexgc(5y)57.14%
ROCE(3y)12.7%
ROCE(5y)10.81%
ROICexgc growth 3Y15.63%
ROICexgc growth 5Y32.96%
ROICexc growth 3Y8.13%
ROICexc growth 5Y32.02%
OM growth 3Y2.39%
OM growth 5Y18.45%
PM growth 3Y10.07%
PM growth 5YN/A
GM growth 3Y0.78%
GM growth 5Y1.45%
F-Score5
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-Score5
WACC8.44%
ROIC/WACC0.93
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)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)1.24%
Revenue growth 3Y4.22%
Revenue growth 5Y11.27%
Sales Q2Q%5.72%
Revenue Next Year3.06%
Revenue Next 2Y4.1%
Revenue Next 3Y4.3%
Revenue Next 5YN/A
EBIT growth 1Y-4.19%
EBIT growth 3Y6.71%
EBIT growth 5Y31.8%
EBIT Next Year19.26%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y43.02%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y31.92%
OCF growth 3YN/A
OCF growth 5YN/A
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 6 / 10.
What are the PE and PB ratios of WEX INC (WEX) stock?
The Price/Earnings (PE) ratio for WEX INC (WEX) is 9.36 and the Price/Book (PB) ratio is 4.64.
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.