WEX INC (WEX) Fundamental Analysis & Valuation

NYSE:WEX • US96208T1043

Current stock price

154.69 USD
+4.33 (+2.88%)
At close:
154.69 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.
  • In the past 5 years WEX has always been profitable.
  • WEX had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of WEX (2.11%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 24.64%, WEX belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
  • 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.
  • The Average Return On Invested Capital over the past 3 years for WEX is in line with the industry average of 8.06%.
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 56.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of WEX has grown nicely.
  • WEX's Operating Margin of 29.05% is fine compared to the rest of the industry. WEX outperforms 77.00% of its industry peers.
  • WEX's Operating Margin has improved in the last couple of years.
  • WEX has a better Gross Margin (62.73%) than 77.00% of its industry peers.
  • 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.
  • The number of shares outstanding for WEX has been reduced compared to 1 year ago.
  • WEX has less shares outstanding than it did 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

  • 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.
  • With a Altman-Z score value of 0.50, WEX perfoms like the industry average, outperforming 54.00% of the companies in the same industry.
  • 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 has a Debt to FCF ratio of 20.19. This is comparable to the rest of the industry: WEX outperforms 48.00% of its industry peers.
  • WEX has a Debt/Equity ratio of 3.89. This is a high value indicating a heavy dependency on external financing.
  • WEX has a Debt to Equity ratio of 3.89. This is in the lower half of the industry: WEX underperforms 76.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.89
Debt/FCF 20.19
Altman-Z 0.5
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

  • WEX has a Current 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.
  • With a Current ratio value of 0.54, WEX perfoms like the industry average, outperforming 41.00% of the companies in the same industry.
  • A Quick Ratio of 0.54 indicates that WEX may have some problems paying its short term obligations.
  • WEX's Quick ratio of 0.54 is in line compared 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

  • WEX shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.76%.
  • WEX shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.67% yearly.
  • Looking at the last year, WEX shows a small growth in Revenue. The Revenue has grown by 1.24% in the last 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)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 10.06% 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 4.32% 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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6

4. WEX Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.57, the valuation of WEX can be described as reasonable.
  • WEX's Price/Earnings ratio is a bit cheaper when compared to the industry. WEX is cheaper than 61.00% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.51. WEX is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.75, the valuation of WEX can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, WEX is valued a bit cheaper than 62.00% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of WEX to the average of the S&P500 Index (22.76), we can say WEX is valued rather cheaply.
Industry RankSector Rank
PE 9.57
Fwd PE 8.75
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

  • 78.00% 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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 22.06
EV/EBITDA 7.1
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)1.02
PEG (5Y)0.44
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

  • 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 (4/2/2026, 4:15:00 PM)

After market: 154.69 0 (0%)

154.69

+4.33 (+2.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)04-23
Inst Owners112.54%
Inst Owner Change0.87%
Ins Owners0.48%
Ins Owner Change14.91%
Market Cap5.31B
Revenue(TTM)2.66B
Net Income(TTM)304.20M
Analysts70.53
Price Target176.38 (14.02%)
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)-0.36%
EPS NY rev (3m)-0.81%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)-0.58%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-1.08%
Valuation
Industry RankSector Rank
PE 9.57
Fwd PE 8.75
P/S 1.99
P/FCF 22.06
P/OCF 11.68
P/B 4.3
P/tB N/A
EV/EBITDA 7.1
EPS(TTM)16.16
EY10.45%
EPS(NY)17.68
Fwd EY11.43%
FCF(TTM)7.01
FCFY4.53%
OCF(TTM)13.24
OCFY8.56%
SpS77.55
BVpS35.98
TBVpS-83.62
PEG (NY)1.02
PEG (5Y)0.44
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 0.5
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 Year3.1%
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 5 / 10 to WEX.


Can you provide the valuation status for WEX INC?

ChartMill assigns a valuation rating of 6 / 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.