WEX INC (WEX) Stock Fundamental Analysis

NYSE:WEX • US96208T1043

158.67 USD
+4.79 (+3.11%)
Last: Feb 18, 2026, 12:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to WEX. WEX was compared to 97 industry peers in the Financial Services industry. There are concerns on the financial health of WEX while its profitability can be described as average. WEX has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • WEX had positive earnings in the past year.
  • WEX had a positive operating cash flow in the past year.
  • In the past 5 years WEX has always been profitable.
  • WEX had a positive operating cash flow in 4 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

  • Looking at the Return On Assets, with a value of 1.97%, WEX is in line with its industry, outperforming 59.79% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 25.38%, WEX belongs to the top of the industry, outperforming 89.69% of the companies in the same industry.
  • WEX's Return On Invested Capital of 7.88% is fine compared to the rest of the industry. WEX outperforms 75.26% 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 8.38%.
Industry RankSector Rank
ROA 1.97%
ROE 25.38%
ROIC 7.88%
ROA(3y)2.12%
ROA(5y)1.62%
ROE(3y)20.02%
ROE(5y)14.46%
ROIC(3y)9.3%
ROIC(5y)7.92%
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

  • 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's Operating Margin of 29.09% is fine compared to the rest of the industry. WEX outperforms 77.32% of its industry peers.
  • WEX's Operating Margin has improved in the last couple of years.
  • WEX has a better Gross Margin (63.19%) than 76.29% of its industry peers.
  • WEX's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 29.09%
PM (TTM) 10.81%
GM 63.19%
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. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), WEX is creating some value.
  • The number of shares outstanding for WEX has been reduced compared to 1 year ago.
  • The number of shares outstanding for WEX has been reduced compared to 5 years ago.
  • WEX has a worse debt/assets ratio than last year.
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.
  • The Altman-Z score of WEX (0.51) is comparable to the rest of the industry.
  • The Debt to FCF ratio of WEX is 7.82, which is on the high side as it means it would take WEX, 7.82 years of fcf income to pay off 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's Debt to Equity ratio of 4.44 is on the low side compared to the rest of the industry. WEX is outperformed by 79.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.44
Debt/FCF 7.82
Altman-Z 0.51
ROIC/WACC0.93
WACC8.51%
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 0.57. This is a bad value and indicates that WEX is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Current ratio value of 0.57, WEX perfoms like the industry average, outperforming 40.21% of the companies in the same industry.
  • A Quick Ratio of 0.57 indicates that WEX may have some problems paying its short term obligations.
  • WEX has a Quick ratio (0.57) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 0.57
Quick Ratio 0.57
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. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.76% 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.
  • WEX shows a small growth in Revenue. In the last year, the Revenue has grown by 1.24%.
  • 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

  • Based on estimates for the next years, WEX will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.82% on average per year.
  • WEX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.32% yearly.
EPS Next Y9.8%
EPS Next 2Y9.14%
EPS Next 3Y9.82%
EPS Next 5YN/A
Revenue Next Year3.88%
Revenue Next 2Y4.65%
Revenue Next 3Y5.32%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.82, the valuation of WEX can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of WEX indicates a somewhat cheap valuation: WEX is cheaper than 61.86% of the companies listed in the same industry.
  • WEX is valuated cheaply when we compare the Price/Earnings ratio to 27.16, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 8.94, the valuation of WEX can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, WEX is valued a bit cheaper than 61.86% of the companies in the same industry.
  • WEX is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.82
Fwd PE 8.94
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 somewhat cheap valuation: WEX is cheaper than 78.35% of the companies listed in the same industry.
  • 79.38% of the companies in the same industry are more expensive than WEX, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.47
EV/EBITDA 7.53
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
PEG (5Y)0.45
EPS Next 2Y9.14%
EPS Next 3Y9.82%

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

0

5. Dividend

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

WEX INC

NYSE:WEX (2/18/2026, 12:19:38 PM)

158.67

+4.79 (+3.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners113.31%
Inst Owner Change-1.2%
Ins Owners0.63%
Ins Owner Change0.67%
Market Cap5.44B
Revenue(TTM)2.66B
Net Income(TTM)283.80M
Analysts70.53
Price Target176.88 (11.48%)
Short Float %5.6%
Short Ratio4.62
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)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)-1.67%
PT rev (3m)-3.69%
EPS NQ rev (1m)0.58%
EPS NQ rev (3m)0.89%
EPS NY rev (1m)-0.46%
EPS NY rev (3m)-0.76%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)-0.71%
Valuation
Industry RankSector Rank
PE 9.82
Fwd PE 8.94
P/S 2.07
P/FCF 8.47
P/OCF 6.82
P/B 4.86
P/tB N/A
EV/EBITDA 7.53
EPS(TTM)16.16
EY10.18%
EPS(NY)17.74
Fwd EY11.18%
FCF(TTM)18.74
FCFY11.81%
OCF(TTM)23.27
OCFY14.67%
SpS76.54
BVpS32.62
TBVpS-88.32
PEG (NY)1
PEG (5Y)0.45
Graham Number108.9
Profitability
Industry RankSector Rank
ROA 1.97%
ROE 25.38%
ROCE 13.06%
ROIC 7.88%
ROICexc 8.89%
ROICexgc 28.52%
OM 29.09%
PM (TTM) 10.81%
GM 63.19%
FCFM 24.48%
ROA(3y)2.12%
ROA(5y)1.62%
ROE(3y)20.02%
ROE(5y)14.46%
ROIC(3y)9.3%
ROIC(5y)7.92%
ROICexc(3y)10.75%
ROICexc(5y)9.14%
ROICexgc(3y)69.69%
ROICexgc(5y)57.14%
ROCE(3y)12.7%
ROCE(5y)10.81%
ROICexgc growth 3Y15.63%
ROICexgc growth 5Y32.96%
ROICexc growth 3Y8.13%
ROICexc growth 5Y32.02%
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 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 0.51
F-Score5
WACC8.51%
ROIC/WACC0.93
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.76%
EPS 3Y6.07%
EPS 5Y21.67%
EPS Q2Q%15.13%
EPS Next Y9.8%
EPS Next 2Y9.14%
EPS Next 3Y9.82%
EPS Next 5YN/A
Revenue 1Y (TTM)1.24%
Revenue growth 3Y4.22%
Revenue growth 5Y11.27%
Sales Q2Q%5.72%
Revenue Next Year3.88%
Revenue Next 2Y4.65%
Revenue Next 3Y5.32%
Revenue Next 5YN/A
EBIT growth 1Y-4.19%
EBIT growth 3Y6.71%
EBIT growth 5Y31.8%
EBIT Next Year19.26%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y43.02%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y31.92%
OCF growth 3YN/A
OCF growth 5YN/A

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 7 / 10 to WEX INC (WEX). This can be considered as Undervalued.


How profitable is WEX INC (WEX) stock?

WEX INC (WEX) has a profitability rating of 6 / 10.


What are the PE and PB ratios of WEX INC (WEX) stock?

The Price/Earnings (PE) ratio for WEX INC (WEX) is 9.82 and the Price/Book (PB) ratio is 4.86.


Can you provide the expected EPS growth for WEX stock?

The Earnings per Share (EPS) of WEX INC (WEX) is expected to grow by 9.8% in the next year.