WEX INC (WEX) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:WEX - US96208T1043 - Common Stock
161.35 USD
+2.32 (+1.46%)
161.35 USD
0 (0%)
Overall WEX gets a fundamental rating of 4 out of 10. We evaluated WEX against 98 industry peers in the Financial Services industry. WEX scores excellent on profitability, but there are concerns on its financial health. WEX is not valued too expensively and it also shows a decent growth rate.
1. Profitability
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 4 of the past 5 years.
- In the past 5 years WEX always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of WEX (1.97%) is better than 60.20% of its industry peers.
- WEX has a Return On Equity of 25.38%. This is amongst the best in the industry. WEX outperforms 90.82% of its industry peers.
- WEX has a better Return On Invested Capital (7.87%) than 75.51% 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 8.44%.
| Industry Rank | Sector 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%
1.3 Margins
- The Profit Margin of WEX (10.81%) is comparable to the rest of the industry.
- WEX's Profit Margin has improved in the last couple of years.
- WEX has a Operating Margin of 29.09%. This is in the better half of the industry: WEX outperforms 76.53% 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 63.19%, WEX is doing good in the industry, outperforming 75.51% of the companies in the same industry.
- 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 3Y15.67%
OM growth 5Y3.83%
PM growth 3Y1067.47%
PM growth 5Y15.45%
GM growth 3Y1.01%
GM growth 5Y0.1%
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.
- 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.
2.2 Solvency
- WEX has an Altman-Z score of 0.52. 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 (0.52) which is in line with its industry peers.
- 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.
- A Debt/Equity ratio of 4.44 is on the high side and indicates that WEX has dependencies on debt financing.
- WEX has a Debt to Equity ratio of 4.44. This is in the lower half of the industry: WEX underperforms 79.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.44 | ||
| Debt/FCF | 7.82 | ||
| Altman-Z | 0.52 |
ROIC/WACC0.92
WACC8.54%
2.3 Liquidity
- A Current Ratio of 0.57 indicates that WEX may have some problems paying its short term obligations.
- WEX has a Current ratio of 0.57. This is in the lower half of the industry: WEX underperforms 60.20% of its industry peers.
- 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's Quick ratio of 0.57 is on the low side compared to the rest of the industry. WEX is outperformed by 60.20% of its industry peers.
| 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 0.58%.
- The Earnings Per Share has been growing by 10.68% on average over the past years. This is quite good.
- The Revenue has decreased by -1.15% in the past year.
- The Revenue has been growing by 8.80% on average over the past years. This is quite good.
EPS 1Y (TTM)0.58%
EPS 3Y18.73%
EPS 5Y10.68%
EPS Q2Q%5.52%
Revenue 1Y (TTM)-1.15%
Revenue growth 3Y12.4%
Revenue growth 5Y8.8%
Sales Q2Q%3.95%
3.2 Future
- The Earnings Per Share is expected to grow by 8.79% 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 4.21% on average per year.
EPS Next Y5.29%
EPS Next 2Y8.01%
EPS Next 3Y8.09%
EPS Next 5Y8.79%
Revenue Next Year0.83%
Revenue Next 2Y2.57%
Revenue Next 3Y3.59%
Revenue Next 5Y4.21%
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 10.33 indicates a reasonable valuation of WEX.
- WEX's Price/Earnings ratio is a bit cheaper when compared to the industry. WEX is cheaper than 63.27% 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 27.33.
- WEX is valuated reasonably with a Price/Forward Earnings ratio of 9.05.
- Based on the Price/Forward Earnings ratio, WEX is valued a bit cheaper than 62.24% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of WEX to the average of the S&P500 Index (24.12), we can say WEX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 9.05 |
4.2 Price Multiples
- WEX's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. WEX is cheaper than 76.53% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, WEX is valued a bit cheaper than 79.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.61 | ||
| EV/EBITDA | 7.69 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates WEX does not grow enough to justify the current Price/Earnings ratio.
- WEX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.95
PEG (5Y)0.97
EPS Next 2Y8.01%
EPS Next 3Y8.09%
5. Dividend
5.1 Amount
- WEX does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
161.35
+2.32 (+1.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)02-05 2026-02-05/bmo
Inst Owners113.31%
Inst Owner Change0.09%
Ins Owners0.63%
Ins Owner Change0.21%
Market Cap5.53B
Revenue(TTM)2.62B
Net Income(TTM)283.80M
Analysts71.11
Price Target179.88 (11.48%)
Short Float %4.63%
Short Ratio3.98
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)0%
PT rev (3m)-2.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.67%
EPS NY rev (1m)0%
EPS NY rev (3m)1.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 9.05 | ||
| P/S | 2.11 | ||
| P/FCF | 8.61 | ||
| P/OCF | 6.93 | ||
| P/B | 4.95 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.69 |
EPS(TTM)15.62
EY9.68%
EPS(NY)17.82
Fwd EY11.05%
FCF(TTM)18.74
FCFY11.61%
OCF(TTM)23.27
OCFY14.42%
SpS76.54
BVpS32.62
TBVpS-88.32
PEG (NY)1.95
PEG (5Y)0.97
Graham Number107.07
Profitability
| Industry Rank | Sector 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 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 | 0.52 |
F-Score4
WACC8.54%
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)0.58%
EPS 3Y18.73%
EPS 5Y10.68%
EPS Q2Q%5.52%
EPS Next Y5.29%
EPS Next 2Y8.01%
EPS Next 3Y8.09%
EPS Next 5Y8.79%
Revenue 1Y (TTM)-1.15%
Revenue growth 3Y12.4%
Revenue growth 5Y8.8%
Sales Q2Q%3.95%
Revenue Next Year0.83%
Revenue Next 2Y2.57%
Revenue Next 3Y3.59%
Revenue Next 5Y4.21%
EBIT growth 1Y-4.19%
EBIT growth 3Y30.01%
EBIT growth 5Y12.97%
EBIT Next Year7.55%
EBIT Next 3Y7.18%
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 6 / 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 10.33 and the Price/Book (PB) ratio is 4.95.
Can you provide the expected EPS growth for WEX stock?
The Earnings per Share (EPS) of WEX INC (WEX) is expected to grow by 5.29% in the next year.