WEX INC (WEX) Fundamental Analysis & Valuation

NYSE:WEX • US96208T1043

Current stock price

156.29 USD
-0.6 (-0.38%)
Last:

This WEX fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. WEX Profitability Analysis

1.1 Basic Checks

  • In the past year WEX was profitable.
  • In the past year WEX had a positive cash flow from operations.
  • WEX had positive earnings in each of the past 5 years.
  • Each year in the past 5 years WEX 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 2025 0 200M -200M 400M 600M 800M

1.2 Ratios

  • WEX has a Return On Assets (2.11%) which is in line with its industry peers.
  • WEX has a better Return On Equity (24.64%) than 90.00% of its industry peers.
  • With a decent Return On Invested Capital value of 7.97%, WEX is doing good in the industry, outperforming 77.00% of the companies in the same industry.
  • WEX had an Average Return On Invested Capital over the past 3 years of 8.75%. This is in line with the industry average of 8.14%.
Industry RankSector Rank
ROA 2.11%
ROE 24.64%
ROIC 7.97%
ROA(3y)2.12%
ROA(5y)1.62%
ROE(3y)20.02%
ROE(5y)14.46%
ROIC(3y)8.75%
ROIC(5y)7.59%
WEX Yearly ROA, ROE, ROICWEX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

1.3 Margins

  • WEX has a Profit Margin (11.43%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of WEX has grown nicely.
  • Looking at the Operating Margin, with a value of 29.05%, WEX is in the better half of the industry, outperforming 78.00% of the companies in the same industry.
  • WEX's Operating Margin has improved in the last couple of years.
  • With a decent Gross Margin value of 62.73%, WEX is doing good in the industry, outperforming 77.00% 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 RankSector Rank
OM 29.05%
PM (TTM) 11.43%
GM 62.73%
OM growth 3Y2.39%
OM growth 5Y18.45%
PM growth 3Y10.07%
PM growth 5YN/A
GM growth 3Y0.78%
GM growth 5Y1.45%
WEX Yearly Profit, Operating, Gross MarginsWEX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60

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2

2. WEX Health Analysis

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 less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for WEX has been reduced compared to 5 years ago.
  • Compared to 1 year ago, WEX has a worse debt to assets ratio.
WEX Yearly Shares OutstandingWEX Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5B 10B

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.
  • WEX has a Altman-Z score (0.51) which is in line with its industry peers.
  • WEX has a debt to FCF ratio of 20.19. This is a negative value and a sign of low solvency as WEX would need 20.19 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 20.19, WEX perfoms like the industry average, outperforming 48.00% of the companies in the same industry.
  • A Debt/Equity ratio of 3.89 is on the high side and indicates that WEX has dependencies on debt financing.
  • With a Debt to Equity ratio value of 3.89, WEX is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.89
Debt/FCF 20.19
Altman-Z 0.51
ROIC/WACC1.06
WACC7.54%
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 2025 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 0.54 indicates that WEX may have some problems paying its short term obligations.
  • WEX's Current ratio of 0.54 is in line compared to the rest of the industry. WEX outperforms 41.00% of its industry peers.
  • WEX has a Quick Ratio of 0.54. This is a bad value and indicates that WEX is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.54, WEX is in line with its industry, outperforming 41.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.54
Quick Ratio 0.54
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 2025 2B 4B 6B 8B

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

5

3. WEX Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.76% over the past year.
  • 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.
  • WEX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.27% yearly.
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

  • Based on estimates for the next years, WEX will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.06% on average per year.
  • Based on estimates for the next years, WEX will show a small growth in Revenue. The Revenue will grow by 4.32% on average per year.
EPS Next Y9.41%
EPS Next 2Y10.15%
EPS Next 3Y10.06%
EPS Next 5YN/A
Revenue Next Year3.1%
Revenue Next 2Y4.17%
Revenue Next 3Y4.32%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 decreasing.
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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5

4. WEX Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.67 indicates a reasonable valuation of WEX.
  • WEX's Price/Earnings is on the same level as the industry average.
  • WEX is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • WEX is valuated reasonably with a Price/Forward Earnings ratio of 8.84.
  • The rest of the industry has a similar Price/Forward Earnings ratio as WEX.
  • When comparing the Price/Forward Earnings ratio of WEX to the average of the S&P500 Index (22.42), we can say WEX is valued rather cheaply.
Industry RankSector Rank
PE 9.67
Fwd PE 8.84
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

  • Based on the Enterprise Value to EBITDA ratio, WEX is valued a bit cheaper than 78.00% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as WEX.
Industry RankSector Rank
P/FCF 22.29
EV/EBITDA 7.3
WEX Per share dataWEX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50

4.3 Compensation for Growth

  • WEX's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • WEX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.03
PEG (5Y)0.45
EPS Next 2Y10.15%
EPS Next 3Y10.06%

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

0

5. WEX Dividend Analysis

5.1 Amount

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

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WEX Fundamentals: All Metrics, Ratios and Statistics

WEX INC

NYSE:WEX (3/23/2026, 11:54:54 AM)

156.29

-0.6 (-0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners112.54%
Inst Owner Change0.87%
Ins Owners0.48%
Ins Owner Change14.92%
Market Cap5.36B
Revenue(TTM)2.66B
Net Income(TTM)304.20M
Analysts70.53
Price Target175.29 (12.16%)
Short Float %4.1%
Short Ratio2.98
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)3.18%
Min EPS beat(2)2.52%
Max EPS beat(2)3.84%
EPS beat(4)4
Avg EPS beat(4)3.15%
Min EPS beat(4)0.38%
Max EPS beat(4)5.86%
EPS beat(8)6
Avg EPS beat(8)1.83%
EPS beat(12)10
Avg EPS beat(12)2.93%
EPS beat(16)14
Avg EPS beat(16)3.58%
Revenue beat(2)2
Avg Revenue beat(2)0.79%
Min Revenue beat(2)0.77%
Max Revenue beat(2)0.81%
Revenue beat(4)2
Avg Revenue beat(4)0.26%
Min Revenue beat(4)-0.37%
Max Revenue beat(4)0.81%
Revenue beat(8)2
Avg Revenue beat(8)-0.87%
Revenue beat(12)5
Avg Revenue beat(12)-0.58%
Revenue beat(16)9
Avg Revenue beat(16)0.52%
PT rev (1m)-0.9%
PT rev (3m)-2.55%
EPS NQ rev (1m)0.26%
EPS NQ rev (3m)-2.51%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)-0.93%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)-0.89%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-1.08%
Valuation
Industry RankSector Rank
PE 9.67
Fwd PE 8.84
P/S 2.02
P/FCF 22.29
P/OCF 11.8
P/B 4.34
P/tB N/A
EV/EBITDA 7.3
EPS(TTM)16.16
EY10.34%
EPS(NY)17.68
Fwd EY11.31%
FCF(TTM)7.01
FCFY4.49%
OCF(TTM)13.24
OCFY8.47%
SpS77.55
BVpS35.98
TBVpS-83.62
PEG (NY)1.03
PEG (5Y)0.45
Graham Number114.38
Profitability
Industry RankSector Rank
ROA 2.11%
ROE 24.64%
ROCE 13.26%
ROIC 7.97%
ROICexc 9.14%
ROICexgc 28.85%
OM 29.05%
PM (TTM) 11.43%
GM 62.73%
FCFM 9.04%
ROA(3y)2.12%
ROA(5y)1.62%
ROE(3y)20.02%
ROE(5y)14.46%
ROIC(3y)8.75%
ROIC(5y)7.59%
ROICexc(3y)10%
ROICexc(5y)8.69%
ROICexgc(3y)50.59%
ROICexgc(5y)45.68%
ROCE(3y)12.74%
ROCE(5y)10.84%
ROICexgc growth 3Y-19.7%
ROICexgc growth 5Y6.83%
ROICexc growth 3Y0.52%
ROICexc growth 5Y26.36%
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 RankSector Rank
Debt/Equity 3.89
Debt/FCF 20.19
Debt/EBITDA 4.35
Cap/Depr 64.54%
Cap/Sales 8.03%
Interest Coverage 2.32
Cash Conversion 41.15%
Profit Quality 79.09%
Current Ratio 0.54
Quick Ratio 0.54
Altman-Z 0.51
F-Score5
WACC7.54%
ROIC/WACC1.06
Cap/Depr(3y)55.2%
Cap/Depr(5y)48.24%
Cap/Sales(3y)6.55%
Cap/Sales(5y)5.85%
Profit Quality(3y)156.79%
Profit Quality(5y)9545.18%
High Growth Momentum
Growth
EPS 1Y (TTM)5.76%
EPS 3Y6.07%
EPS 5Y21.67%
EPS Q2Q%15.13%
EPS Next Y9.41%
EPS Next 2Y10.15%
EPS Next 3Y10.06%
EPS Next 5YN/A
Revenue 1Y (TTM)1.24%
Revenue growth 3Y4.22%
Revenue growth 5Y11.27%
Sales Q2Q%5.72%
Revenue Next Year3.1%
Revenue Next 2Y4.17%
Revenue Next 3Y4.32%
Revenue Next 5YN/A
EBIT growth 1Y-2.84%
EBIT growth 3Y6.71%
EBIT growth 5Y31.8%
EBIT Next Year16.32%
EBIT Next 3Y10.31%
EBIT Next 5YN/A
FCF growth 1Y-26.87%
FCF growth 3Y-24.69%
FCF growth 5Y-20.89%
OCF growth 1Y-5.63%
OCF growth 3Y-12.56%
OCF growth 5Y-11.92%

WEX INC / WEX Fundamental Analysis 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 5 / 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 9.67 and the Price/Book (PB) ratio is 4.34.


Can you provide the expected EPS growth for WEX stock?

The Earnings per Share (EPS) of WEX INC (WEX) is expected to grow by 9.41% in the next year.