WEX INC (WEX) Fundamental Analysis & Valuation

NYSE:WEX • US96208T1043

Current stock price

152.35 USD
+3.25 (+2.18%)
Last:

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.
  • 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 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

  • WEX has a Return On Assets (2.01%) which is comparable to the rest of the industry.
  • WEX has a Return On Equity of 24.36%. This is amongst the best in the industry. WEX outperforms 90.00% of its industry peers.
  • With a decent Return On Invested Capital value of 7.67%, WEX is doing good in the industry, outperforming 75.00% 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 7.97%.
Industry RankSector Rank
ROA 2.01%
ROE 24.36%
ROIC 7.67%
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

  • WEX has a Profit Margin of 11.50%. This is comparable to the rest of the industry: WEX outperforms 59.00% of its industry peers.
  • In the last couple of years the Profit Margin of WEX has grown nicely.
  • Looking at the Operating Margin, with a value of 28.67%, WEX is in the better half of the industry, outperforming 78.00% of the companies in the same industry.
  • WEX's Operating Margin has improved in the last couple of years.
  • With a decent Gross Margin value of 62.86%, WEX is doing good in the industry, outperforming 76.00% of the companies in the same industry.
  • WEX's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 28.67%
PM (TTM) 11.5%
GM 62.86%
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

  • 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.
  • 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

  • WEX has an Altman-Z score of 0.45. 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 of 0.45. This is comparable to the rest of the industry: WEX outperforms 52.00% of its industry peers.
  • WEX has a debt to FCF ratio of 13.06. This is a negative value and a sign of low solvency as WEX would need 13.06 years to pay back of all of its debts.
  • WEX has a Debt to FCF ratio (13.06) which is in line with its industry peers.
  • A Debt/Equity ratio of 4.07 is on the high side and indicates that WEX has dependencies on debt financing.
  • With a Debt to Equity ratio value of 4.07, WEX is not doing good in the industry: 76.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 4.07
Debt/FCF 13.06
Altman-Z 0.45
ROIC/WACC1.06
WACC7.22%
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 0.55. 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 0.55, WEX perfoms like the industry average, outperforming 41.00% of the companies in the same industry.
  • A Quick Ratio of 0.55 indicates that WEX may have some problems paying its short term obligations.
  • The Quick ratio of WEX (0.55) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.55
Quick Ratio 0.55
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 strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.59%, which is quite good.
  • The Earnings Per Share has been growing by 21.67% on average over the past years. This is a very strong growth
  • Looking at the last year, WEX shows a small growth in Revenue. The Revenue has grown by 3.29% in the last year.
  • The Revenue has been growing by 11.27% on average over the past years. This is quite good.
EPS 1Y (TTM)9.59%
EPS 3Y6.07%
EPS 5Y21.67%
EPS Q2Q%18.23%
Revenue 1Y (TTM)3.29%
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.
  • WEX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.39% yearly.
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

  • 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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7

4. WEX Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.07 indicates a reasonable valuation of WEX.
  • Compared to the rest of the industry, the Price/Earnings ratio of WEX indicates a somewhat cheap valuation: WEX is cheaper than 68.00% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.15. WEX is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 7.72, the valuation of WEX can be described as very cheap.
  • 73.00% of the companies in the same industry are more expensive than WEX, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of WEX to the average of the S&P500 Index (22.12), we can say WEX is valued rather cheaply.
Industry RankSector Rank
PE 9.07
Fwd PE 7.72
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 cheaper than 81.00% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, WEX is valued a bit cheaper than the industry average as 72.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 13.03
EV/EBITDA 7.37
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)0.87
PEG (5Y)0.42
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

  • 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 (4/28/2026, 11:03:04 AM)

152.35

+3.25 (+2.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-22
Earnings (Next)07-21
Inst Owners112.55%
Inst Owner Change-0.03%
Ins Owners0.61%
Ins Owner Change13.99%
Market Cap5.23B
Revenue(TTM)2.70B
Net Income(TTM)310.40M
Analysts71.11
Price Target183.52 (20.46%)
Short Float %5.16%
Short Ratio3.45
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)2.42%
Min EPS beat(2)1.01%
Max EPS beat(2)3.84%
EPS beat(4)4
Avg EPS beat(4)3.31%
Min EPS beat(4)1.01%
Max EPS beat(4)5.86%
EPS beat(8)6
Avg EPS beat(8)1.83%
EPS beat(12)10
Avg EPS beat(12)2.63%
EPS beat(16)14
Avg EPS beat(16)3.26%
Revenue beat(2)1
Avg Revenue beat(2)0.3%
Min Revenue beat(2)-0.18%
Max Revenue beat(2)0.77%
Revenue beat(4)2
Avg Revenue beat(4)0.31%
Min Revenue beat(4)-0.18%
Max Revenue beat(4)0.81%
Revenue beat(8)2
Avg Revenue beat(8)-0.73%
Revenue beat(12)4
Avg Revenue beat(12)-0.62%
Revenue beat(16)8
Avg Revenue beat(16)0.44%
PT rev (1m)0.63%
PT rev (3m)-1.94%
EPS NQ rev (1m)1.99%
EPS NQ rev (3m)0.3%
EPS NY rev (1m)0.91%
EPS NY rev (3m)0.52%
Revenue NQ rev (1m)0.71%
Revenue NQ rev (3m)0.26%
Revenue NY rev (1m)1.16%
Revenue NY rev (3m)0.29%
Valuation
Industry RankSector Rank
PE 9.07
Fwd PE 7.72
P/S 1.94
P/FCF 13.03
P/OCF 8.64
P/B 4.1
P/tB N/A
EV/EBITDA 7.37
EPS(TTM)16.8
EY11.03%
EPS(NY)19.74
Fwd EY12.95%
FCF(TTM)11.69
FCFY7.67%
OCF(TTM)17.64
OCFY11.58%
SpS78.64
BVpS37.14
TBVpS-82.98
PEG (NY)0.87
PEG (5Y)0.42
Graham Number118.492 (-22.22%)
Profitability
Industry RankSector Rank
ROA 2.01%
ROE 24.36%
ROCE 13.31%
ROIC 7.67%
ROICexc 8.38%
ROICexgc 23.16%
OM 28.67%
PM (TTM) 11.5%
GM 62.86%
FCFM 14.87%
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 Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 4.07
Debt/FCF 13.06
Debt/EBITDA 4.69
Cap/Depr 61.62%
Cap/Sales 7.56%
Interest Coverage 250
Cash Conversion 54.78%
Profit Quality 129.22%
Current Ratio 0.55
Quick Ratio 0.55
Altman-Z 0.45
F-Score5
WACC7.22%
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)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)3.29%
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-1.96%
EBIT growth 3Y6.71%
EBIT growth 5Y31.8%
EBIT Next Year16.32%
EBIT Next 3Y10.31%
EBIT Next 5YN/A
FCF growth 1Y-30.36%
FCF growth 3Y-24.69%
FCF growth 5Y-20.89%
OCF growth 1Y-16.81%
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.