WELLS FARGO & CO (WFC) Fundamental Analysis & Valuation

NYSE:WFC • US9497461015

Current stock price

81.095 USD
-0.45 (-0.56%)
Last:

This WFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. WFC Profitability Analysis

1.1 Basic Checks

  • In the past year WFC was profitable.
  • WFC had a negative operating cash flow in the past year.
  • Each year in the past 5 years WFC has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: WFC reported negative operating cash flow in multiple years.
WFC Yearly Net Income VS EBIT VS OCF VS FCFWFC 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 10B -10B 20B 30B 40B

1.2 Ratios

  • The Return On Assets of WFC (0.94%) is comparable to the rest of the industry.
  • The Return On Equity of WFC (11.20%) is better than 71.81% of its industry peers.
Industry RankSector Rank
ROA 0.94%
ROE 11.2%
ROIC N/A
ROA(3y)0.95%
ROA(5y)0.92%
ROE(3y)10.42%
ROE(5y)9.87%
ROIC(3y)N/A
ROIC(5y)N/A
WFC Yearly ROA, ROE, ROICWFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of WFC (24.24%) is comparable to the rest of the industry.
  • WFC's Profit Margin has improved in the last couple of years.
  • WFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.79%
PM growth 5Y58.73%
GM growth 3YN/A
GM growth 5YN/A
WFC Yearly Profit, Operating, Gross MarginsWFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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1

2. WFC Health Analysis

2.1 Basic Checks

  • WFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, WFC has less shares outstanding
  • WFC has less shares outstanding than it did 5 years ago.
  • WFC has a worse debt/assets ratio than last year.
WFC Yearly Shares OutstandingWFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B
WFC Yearly Total Debt VS Total AssetsWFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T 2T

2.2 Solvency

  • A Debt/Equity ratio of 2.35 is on the high side and indicates that WFC has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 2.35, WFC is doing worse than 90.16% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.35
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.39%
WFC Yearly LT Debt VS Equity VS FCFWFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B 100B 150B 200B 250B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WFC Yearly Current Assets VS Current LiabilitesWFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. WFC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.46% over the past year.
  • The Earnings Per Share has been growing by 71.88% on average over the past years. This is a very strong growth
  • Looking at the last year, WFC shows a small growth in Revenue. The Revenue has grown by 4.18% in the last year.
  • The Revenue has been growing slightly by 2.42% on average over the past years.
EPS 1Y (TTM)11.46%
EPS 3Y19.43%
EPS 5Y71.88%
EPS Q2Q%20.3%
Revenue 1Y (TTM)4.18%
Revenue growth 3Y4.02%
Revenue growth 5Y2.42%
Sales Q2Q%6.44%

3.2 Future

  • Based on estimates for the next years, WFC will show a small growth in Earnings Per Share. The EPS will grow by 7.25% on average per year.
  • WFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.06% yearly.
EPS Next Y14.96%
EPS Next 2Y14.3%
EPS Next 3Y13.49%
EPS Next 5Y7.25%
Revenue Next Year4.71%
Revenue Next 2Y4.74%
Revenue Next 3Y4.86%
Revenue Next 5Y3.06%

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 accelerating.
WFC Yearly Revenue VS EstimatesWFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 20B 40B 60B 80B 100B
WFC Yearly EPS VS EstimatesWFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8 10

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4

4. WFC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.63, the valuation of WFC can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as WFC.
  • WFC is valuated cheaply when we compare the Price/Earnings ratio to 27.66, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 10.09, the valuation of WFC can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WFC is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 38.00. WFC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.63
Fwd PE 10.09
WFC Price Earnings VS Forward Price EarningsWFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
WFC Per share dataWFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • WFC's earnings are expected to grow with 13.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.84
PEG (5Y)0.18
EPS Next 2Y14.3%
EPS Next 3Y13.49%

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

6

5. WFC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.21%, WFC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.57, WFC has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, WFC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.21%

5.2 History

  • The dividend of WFC is nicely growing with an annual growth rate of 6.49%!
  • WFC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • WFC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.49%
Div Incr Years4
Div Non Decr Years4
WFC Yearly Dividends per shareWFC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 31.96% of the earnings are spent on dividend by WFC. This is a low number and sustainable payout ratio.
  • The dividend of WFC is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP31.96%
EPS Next 2Y14.3%
EPS Next 3Y13.49%
WFC Yearly Income VS Free CF VS DividendWFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B 30B 40B
WFC Dividend Payout.WFC Dividend Payout, showing the Payout Ratio.WFC Dividend Payout.PayoutRetained Earnings

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WFC Fundamentals: All Metrics, Ratios and Statistics

WELLS FARGO & CO

NYSE:WFC (4/22/2026, 12:17:08 PM)

81.095

-0.45 (-0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-14
Earnings (Next)07-14
Inst Owners79.53%
Inst Owner Change-0.03%
Ins Owners0.13%
Ins Owner Change9.86%
Market Cap249.36B
Revenue(TTM)85.00B
Net Income(TTM)20.29B
Analysts78.13
Price Target100.56 (24%)
Short Float %0.94%
Short Ratio1.73
Dividend
Industry RankSector Rank
Dividend Yield 2.21%
Yearly Dividend2.03
Dividend Growth(5Y)6.49%
DP31.96%
Div Incr Years4
Div Non Decr Years4
Ex-Date02-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.16%
Min EPS beat(2)-4.04%
Max EPS beat(2)6.37%
EPS beat(4)3
Avg EPS beat(4)4.21%
Min EPS beat(4)-4.04%
Max EPS beat(4)8.25%
EPS beat(8)7
Avg EPS beat(8)7.99%
EPS beat(12)11
Avg EPS beat(12)8.2%
EPS beat(16)14
Avg EPS beat(16)7.33%
Revenue beat(2)1
Avg Revenue beat(2)-1.15%
Min Revenue beat(2)-2.62%
Max Revenue beat(2)0.33%
Revenue beat(4)1
Avg Revenue beat(4)-1.72%
Min Revenue beat(4)-3.85%
Max Revenue beat(4)0.33%
Revenue beat(8)3
Avg Revenue beat(8)-0.86%
Revenue beat(12)6
Avg Revenue beat(12)-0.13%
Revenue beat(16)7
Avg Revenue beat(16)-0.26%
PT rev (1m)-3.15%
PT rev (3m)-2.82%
EPS NQ rev (1m)0.55%
EPS NQ rev (3m)1.79%
EPS NY rev (1m)0.09%
EPS NY rev (3m)-0.28%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)-0.33%
Revenue NY rev (3m)-0.69%
Valuation
Industry RankSector Rank
PE 12.63
Fwd PE 10.09
P/S 2.98
P/FCF N/A
P/OCF N/A
P/B 1.38
P/tB 1.67
EV/EBITDA N/A
EPS(TTM)6.42
EY7.92%
EPS(NY)8.03
Fwd EY9.91%
FCF(TTM)-6.18
FCFYN/A
OCF(TTM)-6.18
OCFYN/A
SpS27.22
BVpS58.9
TBVpS48.46
PEG (NY)0.84
PEG (5Y)0.18
Graham Number92.2403 (13.74%)
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 11.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.24%
GM N/A
FCFM N/A
ROA(3y)0.95%
ROA(5y)0.92%
ROE(3y)10.42%
ROE(5y)9.87%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.79%
PM growth 5Y58.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.35
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC10.39%
ROIC/WACCN/A
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)11.46%
EPS 3Y19.43%
EPS 5Y71.88%
EPS Q2Q%20.3%
EPS Next Y14.96%
EPS Next 2Y14.3%
EPS Next 3Y13.49%
EPS Next 5Y7.25%
Revenue 1Y (TTM)4.18%
Revenue growth 3Y4.02%
Revenue growth 5Y2.42%
Sales Q2Q%6.44%
Revenue Next Year4.71%
Revenue Next 2Y4.74%
Revenue Next 3Y4.86%
Revenue Next 5Y3.06%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-726.06%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-726.06%
OCF growth 3YN/A
OCF growth 5YN/A

WELLS FARGO & CO / WFC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of WELLS FARGO & CO (WFC) stock?

ChartMill assigns a fundamental rating of 3 / 10 to WFC.


Can you provide the valuation status for WELLS FARGO & CO?

ChartMill assigns a valuation rating of 4 / 10 to WELLS FARGO & CO (WFC). This can be considered as Fairly Valued.


How profitable is WELLS FARGO & CO (WFC) stock?

WELLS FARGO & CO (WFC) has a profitability rating of 3 / 10.


What is the valuation of WELLS FARGO & CO based on its PE and PB ratios?

The Price/Earnings (PE) ratio for WELLS FARGO & CO (WFC) is 12.63 and the Price/Book (PB) ratio is 1.38.


Is the dividend of WELLS FARGO & CO sustainable?

The dividend rating of WELLS FARGO & CO (WFC) is 6 / 10 and the dividend payout ratio is 31.96%.