WEX INC (WEX) Fundamental Analysis & Valuation

NYSE:WEX • US96208T1043

Current stock price

150.45 USD
-4.31 (-2.78%)
At close:
150.45 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

  • In the past year WEX was profitable.
  • In the past year WEX had a positive cash flow from operations.
  • Each year in the past 5 years WEX has been profitable.
  • 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's Return On Assets of 2.11% is in line compared to the rest of the industry. WEX outperforms 58.59% of its industry peers.
  • The Return On Equity of WEX (24.64%) is better than 89.90% of its industry peers.
  • With a decent Return On Invested Capital value of 7.97%, WEX is doing good in the industry, outperforming 76.77% 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 8.00%.
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

  • Looking at the Profit Margin, with a value of 11.43%, WEX is in line with its industry, outperforming 55.56% of the companies in the same industry.
  • WEX's Profit Margin has improved in the last couple of years.
  • WEX's Operating Margin of 29.05% is fine compared to the rest of the industry. WEX outperforms 77.78% of its industry peers.
  • In the last couple of years the Operating Margin of WEX has grown nicely.
  • WEX's Gross Margin of 62.73% is fine compared to the rest of the industry. WEX outperforms 75.76% of its industry peers.
  • 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

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so WEX is still creating some value.
  • Compared to 1 year ago, WEX has less shares outstanding
  • WEX has less shares outstanding than it did 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 0.50, we must say that WEX is in the distress zone and has some risk of bankruptcy.
  • WEX's Altman-Z score of 0.50 is in line compared to the rest of the industry. WEX outperforms 53.54% of 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.
  • WEX's Debt to FCF ratio of 20.19 is in line compared to the rest of the industry. WEX outperforms 48.48% of 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 74.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.89
Debt/FCF 20.19
Altman-Z 0.5
ROIC/WACC1.08
WACC7.38%
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 has a Current ratio (0.54) which is comparable to the rest of the industry.
  • 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.
  • WEX's Quick ratio of 0.54 is in line compared to the rest of the industry. WEX outperforms 41.41% 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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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 grown by an nice 9.59% 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.
  • The Revenue has been growing slightly by 1.24% in the past year.
  • Measured over the past years, WEX shows a quite strong growth in Revenue. The Revenue has been growing by 11.27% on average per year.
EPS 1Y (TTM)9.59%
EPS 3Y6.07%
EPS 5Y21.67%
EPS Q2Q%18.23%
Revenue 1Y (TTM)1.24%
Revenue growth 3Y4.22%
Revenue growth 5Y11.27%
Sales Q2Q%5.84%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.30% 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 4.39% on average per year.
EPS Next Y10.4%
EPS Next 2Y10.51%
EPS Next 3Y10.3%
EPS Next 5YN/A
Revenue Next Year4.3%
Revenue Next 2Y4.42%
Revenue Next 3Y4.39%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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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7

4. WEX Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.96, 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 65.66% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of WEX to the average of the S&P500 Index (27.42), we can say WEX is valued rather cheaply.
  • A Price/Forward Earnings ratio of 7.62 indicates a rather cheap valuation of WEX.
  • Based on the Price/Forward Earnings ratio, WEX is valued a bit cheaper than 73.74% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. WEX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.96
Fwd PE 7.62
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of WEX indicates a rather cheap valuation: WEX is cheaper than 80.81% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of WEX is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 21.45
EV/EBITDA 7.24
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 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)0.86
PEG (5Y)0.41
EPS Next 2Y10.51%
EPS Next 3Y10.3%

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

0

5. WEX Dividend Analysis

5.1 Amount

  • No dividends for WEX!.
Industry RankSector Rank
Dividend Yield 0%

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WEX Fundamentals: All Metrics, Ratios and Statistics

WEX INC

NYSE:WEX (4/24/2026, 8:14:16 PM)

After market: 150.45 0 (0%)

150.45

-4.31 (-2.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-22
Earnings (Next)07-21
Inst Owners112.55%
Inst Owner Change0.05%
Ins Owners0.61%
Ins Owner Change14.45%
Market Cap5.16B
Revenue(TTM)2.66B
Net Income(TTM)304.20M
Analysts71.11
Price Target176.38 (17.23%)
Short Float %5.14%
Short Ratio3.44
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)2.48%
EPS NQ rev (3m)-0.2%
EPS NY rev (1m)0.91%
EPS NY rev (3m)0.09%
Revenue NQ rev (1m)0.84%
Revenue NQ rev (3m)0.19%
Revenue NY rev (1m)1.16%
Revenue NY rev (3m)0.29%
Valuation
Industry RankSector Rank
PE 8.96
Fwd PE 7.62
P/S 1.94
P/FCF 21.45
P/OCF 11.36
P/B 4.18
P/tB N/A
EV/EBITDA 7.24
EPS(TTM)16.8
EY11.17%
EPS(NY)19.74
Fwd EY13.12%
FCF(TTM)7.01
FCFY4.66%
OCF(TTM)13.24
OCFY8.8%
SpS77.55
BVpS35.98
TBVpS-83.62
PEG (NY)0.86
PEG (5Y)0.41
Graham Number116.622 (-22.48%)
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 0.5
F-Score5
WACC7.38%
ROIC/WACC1.08
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)9.59%
EPS 3Y6.07%
EPS 5Y21.67%
EPS Q2Q%18.23%
EPS Next Y10.4%
EPS Next 2Y10.51%
EPS Next 3Y10.3%
EPS Next 5YN/A
Revenue 1Y (TTM)1.24%
Revenue growth 3Y4.22%
Revenue growth 5Y11.27%
Sales Q2Q%5.84%
Revenue Next Year4.3%
Revenue Next 2Y4.42%
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 5 / 10 to WEX.


Can you provide the valuation status for WEX INC?

ChartMill assigns a valuation rating of 7 / 10 to WEX INC (WEX). This can be considered as Undervalued.


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.