WEX INC (WEX) Fundamental Analysis & Valuation

NYSE:WEX • US96208T1043

Current stock price

157.78 USD
+0.68 (+0.43%)
At close:
157.78 USD
0 (0%)
After Hours:

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

  • 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 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

  • With a Return On Assets value of 2.11%, WEX perfoms like the industry average, outperforming 58.00% of the companies in the same industry.
  • WEX has a Return On Equity of 24.64%. This is amongst the best in the industry. WEX outperforms 90.00% of its industry peers.
  • WEX has a Return On Invested Capital of 7.97%. This is in the better half of the industry: WEX outperforms 77.00% of its industry peers.
  • 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 8.10%.
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

  • With a Profit Margin value of 11.43%, WEX perfoms like the industry average, outperforming 58.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of WEX has grown nicely.
  • WEX has a better Operating Margin (29.05%) than 77.00% of its industry peers.
  • In the last couple of years the Operating Margin of WEX has grown nicely.
  • 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.
  • WEX's Gross Margin has been stable in the last couple of years.
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

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so WEX is still 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.
  • The debt/assets ratio for WEX is higher compared to a year ago.
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

  • 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.
  • The Altman-Z score of WEX (0.51) is comparable to the rest of the industry.
  • The Debt to FCF ratio of WEX is 20.19, which is on the high side as it means it would take WEX, 20.19 years of fcf income to pay off all of its debts.
  • WEX has a Debt to FCF ratio (20.19) which is in line with its industry peers.
  • A Debt/Equity ratio of 3.89 is on the high side and indicates that WEX has dependencies on debt financing.
  • WEX has a worse Debt to Equity ratio (3.89) than 76.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.89
Debt/FCF 20.19
Altman-Z 0.51
ROIC/WACC1.06
WACC7.49%
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.
  • A Quick Ratio of 0.54 indicates that WEX may have some problems paying its short term obligations.
  • WEX has a Quick ratio of 0.54. This is comparable to the rest of the industry: WEX outperforms 41.00% of its industry peers.
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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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
  • WEX shows a small growth in Revenue. In the last year, the Revenue has grown by 1.24%.
  • 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

  • WEX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.06% yearly.
  • WEX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.39% yearly.
EPS Next Y9.41%
EPS Next 2Y10.15%
EPS Next 3Y10.06%
EPS Next 5YN/A
Revenue Next Year3.62%
Revenue Next 2Y4.28%
Revenue Next 3Y4.39%
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.
  • The Revenue 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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5

4. WEX Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.76, the valuation of WEX can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of WEX is on the same level as its industry peers.
  • WEX is valuated cheaply when we compare the Price/Earnings ratio to 26.21, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 8.92, the valuation of WEX can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as WEX.
  • WEX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.10.
Industry RankSector Rank
PE 9.76
Fwd PE 8.92
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 the industry average as 77.00% of the companies are valued more expensively.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as WEX.
Industry RankSector Rank
P/FCF 22.5
EV/EBITDA 7.31
WEX Per share dataWEX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of WEX may justify a higher PE ratio.
PEG (NY)1.04
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 (4/7/2026, 7:12:41 PM)

After market: 157.78 0 (0%)

157.78

+0.68 (+0.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)04-23
Inst Owners112.54%
Inst Owner Change0%
Ins Owners0.48%
Ins Owner Change14.45%
Market Cap5.41B
Revenue(TTM)2.66B
Net Income(TTM)304.20M
Analysts71.11
Price Target176.38 (11.79%)
Short Float %3.98%
Short Ratio2.85
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)0.63%
PT rev (3m)-1.94%
EPS NQ rev (1m)1.01%
EPS NQ rev (3m)-1.81%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.81%
Revenue NQ rev (1m)0.51%
Revenue NQ rev (3m)-0.28%
Revenue NY rev (1m)0.54%
Revenue NY rev (3m)-0.57%
Valuation
Industry RankSector Rank
PE 9.76
Fwd PE 8.92
P/S 2.03
P/FCF 22.5
P/OCF 11.92
P/B 4.39
P/tB N/A
EV/EBITDA 7.31
EPS(TTM)16.16
EY10.24%
EPS(NY)17.68
Fwd EY11.21%
FCF(TTM)7.01
FCFY4.44%
OCF(TTM)13.24
OCFY8.39%
SpS77.55
BVpS35.98
TBVpS-83.62
PEG (NY)1.04
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
WACC7.49%
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 Year3.62%
Revenue Next 2Y4.28%
Revenue Next 3Y4.39%
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.


Can you provide the valuation status for WEX INC?

ChartMill assigns a valuation rating of 5 / 10 to WEX INC (WEX). This can be considered as Fairly Valued.


Can you provide the profitability details for WEX INC?

WEX INC (WEX) has a profitability rating of 7 / 10.


How financially healthy is WEX INC?

The financial health rating of WEX INC (WEX) is 2 / 10.