XCEL ENERGY INC (XEL) Stock Fundamental Analysis

NASDAQ:XEL • US98389B1008

80.515 USD
+0.83 (+1.05%)
Last: Feb 19, 2026, 12:53 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall XEL gets a fundamental rating of 3 out of 10. We evaluated XEL against 46 industry peers in the Electric Utilities industry. There are concerns on the financial health of XEL while its profitability can be described as average. XEL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year XEL was profitable.
  • XEL had a positive operating cash flow in the past year.
  • XEL had positive earnings in each of the past 5 years.
  • XEL had a positive operating cash flow in 4 of the past 5 years.
XEL Yearly Net Income VS EBIT VS OCF VS FCFXEL 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 2B -2B 4B

1.2 Ratios

  • XEL has a worse Return On Assets (2.42%) than 67.39% of its industry peers.
  • XEL has a Return On Equity of 9.04%. This is in the lower half of the industry: XEL underperforms 63.04% of its industry peers.
  • XEL has a worse Return On Invested Capital (2.84%) than 84.78% of its industry peers.
Industry RankSector Rank
ROA 2.42%
ROE 9.04%
ROIC 2.84%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
XEL Yearly ROA, ROE, ROICXEL 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

  • XEL's Profit Margin of 13.46% is in line compared to the rest of the industry. XEL outperforms 47.83% of its industry peers.
  • XEL's Profit Margin has been stable in the last couple of years.
  • The Operating Margin of XEL (18.53%) is worse than 65.22% of its industry peers.
  • XEL's Operating Margin has been stable in the last couple of years.
  • The Gross Margin of XEL (92.94%) is better than 95.65% of its industry peers.
  • XEL's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 18.53%
PM (TTM) 13.46%
GM 92.94%
OM growth 3Y7.36%
OM growth 5Y1.34%
PM growth 3Y6.66%
PM growth 5Y1.48%
GM growth 3Y2.09%
GM growth 5Y-0.19%
XEL Yearly Profit, Operating, Gross MarginsXEL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so XEL is destroying value.
  • XEL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
XEL Yearly Shares OutstandingXEL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
XEL Yearly Total Debt VS Total AssetsXEL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

  • Based on the Altman-Z score of 0.91, we must say that XEL is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of XEL (0.91) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 1.64 is on the high side and indicates that XEL has dependencies on debt financing.
  • XEL has a Debt to Equity ratio (1.64) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.64
Debt/FCF N/A
Altman-Z 0.91
ROIC/WACC0.43
WACC6.66%
XEL Yearly LT Debt VS Equity VS FCFXEL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B

2.3 Liquidity

  • A Current Ratio of 0.79 indicates that XEL may have some problems paying its short term obligations.
  • The Current ratio of XEL (0.79) is comparable to the rest of the industry.
  • A Quick Ratio of 0.69 indicates that XEL may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.69, XEL is in line with its industry, outperforming 54.35% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.79
Quick Ratio 0.69
XEL Yearly Current Assets VS Current LiabilitesXEL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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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

  • XEL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.62%, which is quite good.
  • XEL shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.34% yearly.
  • The Revenue has grown by 9.14% in the past year. This is quite good.
  • XEL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.94% yearly.
EPS 1Y (TTM)8.62%
EPS 3Y6.04%
EPS 5Y6.34%
EPS Q2Q%17.28%
Revenue 1Y (TTM)9.14%
Revenue growth 3Y-1.42%
Revenue growth 5Y4.94%
Sales Q2Q%14.13%

3.2 Future

  • Based on estimates for the next years, XEL will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.22% on average per year.
  • Based on estimates for the next years, XEL will show a small growth in Revenue. The Revenue will grow by 6.64% on average per year.
EPS Next Y10.1%
EPS Next 2Y10%
EPS Next 3Y9.24%
EPS Next 5Y9.22%
Revenue Next Year7.53%
Revenue Next 2Y7.62%
Revenue Next 3Y6.28%
Revenue Next 5Y6.64%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
XEL Yearly Revenue VS EstimatesXEL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B 20B
XEL Yearly EPS VS EstimatesXEL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 1 2 3 4 5

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 21.30, which indicates a rather expensive current valuation of XEL.
  • The rest of the industry has a similar Price/Earnings ratio as XEL.
  • The average S&P500 Price/Earnings ratio is at 27.27. XEL is valued slightly cheaper when compared to this.
  • The Price/Forward Earnings ratio is 19.35, which indicates a rather expensive current valuation of XEL.
  • The rest of the industry has a similar Price/Forward Earnings ratio as XEL.
  • When comparing the Price/Forward Earnings ratio of XEL to the average of the S&P500 Index (28.16), we can say XEL is valued slightly cheaper.
Industry RankSector Rank
PE 21.3
Fwd PE 19.35
XEL Price Earnings VS Forward Price EarningsXEL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • XEL's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. XEL is more expensive than 69.57% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 14
XEL Per share dataXEL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.11
PEG (5Y)3.36
EPS Next 2Y10%
EPS Next 3Y9.24%

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

5

5. Dividend

5.1 Amount

  • XEL has a Yearly Dividend Yield of 3.07%.
  • XEL's Dividend Yield is comparable with the industry average which is at 2.81.
  • XEL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 3.07%

5.2 History

  • The dividend of XEL is nicely growing with an annual growth rate of 6.45%!
  • XEL has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of XEL decreased recently.
Dividend Growth(5Y)6.45%
Div Incr Years1
Div Non Decr Years1
XEL Yearly Dividends per shareXEL Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

  • XEL pays out 65.69% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of XEL is growing, but earnings are growing more, so the dividend growth is sustainable.
DP65.69%
EPS Next 2Y10%
EPS Next 3Y9.24%
XEL Yearly Income VS Free CF VS DividendXEL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B -2B
XEL Dividend Payout.XEL Dividend Payout, showing the Payout Ratio.XEL Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

XCEL ENERGY INC

NASDAQ:XEL (2/19/2026, 12:53:45 PM)

80.515

+0.83 (+1.05%)

Chartmill FA Rating
GICS SectorUtilities
GICS IndustryGroupUtilities
GICS IndustryElectric Utilities
Earnings (Last)02-05
Earnings (Next)04-22
Inst Owners95.29%
Inst Owner Change1.88%
Ins Owners0.14%
Ins Owner Change-0.88%
Market Cap47.63B
Revenue(TTM)14.67B
Net Income(TTM)1.92B
Analysts83.48
Price Target89.27 (10.87%)
Short Float %4.03%
Short Ratio4.21
Dividend
Industry RankSector Rank
Dividend Yield 3.07%
Yearly Dividend2.08
Dividend Growth(5Y)6.45%
DP65.69%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.85%
Min EPS beat(2)-6.97%
Max EPS beat(2)14.67%
EPS beat(4)1
Avg EPS beat(4)-2.52%
Min EPS beat(4)-9.55%
Max EPS beat(4)14.67%
EPS beat(8)3
Avg EPS beat(8)-0.53%
EPS beat(12)5
Avg EPS beat(12)-1.25%
EPS beat(16)6
Avg EPS beat(16)-1.19%
Revenue beat(2)1
Avg Revenue beat(2)0.5%
Min Revenue beat(2)-0.38%
Max Revenue beat(2)1.39%
Revenue beat(4)1
Avg Revenue beat(4)-4.7%
Min Revenue beat(4)-18.13%
Max Revenue beat(4)1.39%
Revenue beat(8)1
Avg Revenue beat(8)-7.88%
Revenue beat(12)3
Avg Revenue beat(12)-4.13%
Revenue beat(16)7
Avg Revenue beat(16)-0.72%
PT rev (1m)0.66%
PT rev (3m)1.99%
EPS NQ rev (1m)-0.99%
EPS NQ rev (3m)-1.98%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)-0.38%
Revenue NQ rev (3m)-1.16%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)1%
Valuation
Industry RankSector Rank
PE 21.3
Fwd PE 19.35
P/S 3.35
P/FCF N/A
P/OCF 10.5
P/B 2.25
P/tB 2.25
EV/EBITDA 14
EPS(TTM)3.78
EY4.69%
EPS(NY)4.16
Fwd EY5.17%
FCF(TTM)-8.7
FCFYN/A
OCF(TTM)7.67
OCFY9.53%
SpS24.05
BVpS35.81
TBVpS35.81
PEG (NY)2.11
PEG (5Y)3.36
Graham Number55.18
Profitability
Industry RankSector Rank
ROA 2.42%
ROE 9.04%
ROCE 3.66%
ROIC 2.84%
ROICexc 2.88%
ROICexgc 2.88%
OM 18.53%
PM (TTM) 13.46%
GM 92.94%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y7.36%
OM growth 5Y1.34%
PM growth 3Y6.66%
PM growth 5Y1.48%
GM growth 3Y2.09%
GM growth 5Y-0.19%
F-Score5
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 1.64
Debt/FCF N/A
Debt/EBITDA 6.1
Cap/Depr 318.86%
Cap/Sales 68.08%
Interest Coverage 2.25
Cash Conversion 79.96%
Profit Quality N/A
Current Ratio 0.79
Quick Ratio 0.69
Altman-Z 0.91
F-Score5
WACC6.66%
ROIC/WACC0.43
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)8.62%
EPS 3Y6.04%
EPS 5Y6.34%
EPS Q2Q%17.28%
EPS Next Y10.1%
EPS Next 2Y10%
EPS Next 3Y9.24%
EPS Next 5Y9.22%
Revenue 1Y (TTM)9.14%
Revenue growth 3Y-1.42%
Revenue growth 5Y4.94%
Sales Q2Q%14.13%
Revenue Next Year7.53%
Revenue Next 2Y7.62%
Revenue Next 3Y6.28%
Revenue Next 5Y6.64%
EBIT growth 1Y-1.86%
EBIT growth 3Y5.84%
EBIT growth 5Y6.35%
EBIT Next Year119.59%
EBIT Next 3Y38.19%
EBIT Next 5Y25.66%
FCF growth 1Y-184.47%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-8.34%
OCF growth 3YN/A
OCF growth 5YN/A

XCEL ENERGY INC / XEL FAQ

Can you provide the ChartMill fundamental rating for XCEL ENERGY INC?

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


What is the valuation status for XEL stock?

ChartMill assigns a valuation rating of 2 / 10 to XCEL ENERGY INC (XEL). This can be considered as Overvalued.


What is the profitability of XEL stock?

XCEL ENERGY INC (XEL) has a profitability rating of 4 / 10.


What is the financial health of XCEL ENERGY INC (XEL) stock?

The financial health rating of XCEL ENERGY INC (XEL) is 1 / 10.


Is the dividend of XCEL ENERGY INC sustainable?

The dividend rating of XCEL ENERGY INC (XEL) is 5 / 10 and the dividend payout ratio is 65.69%.