WFC Stock Analysis: Wells Fargo | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 248.386m USD | 12M Return: -0.3% | US9497461015 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.27B
EPS Trend: 98.7%
Qual. Beats: 0
Rev. Trend: 77.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Wells Fargo & Company (NYSE: WFC) is a diversified US financial services company that provides banking, lending, investment, mortgage, and consumer and commercial finance products and services across domestic and international markets. As a diversified bank, WFC generates revenue from a mix of net interest income (the spread between loan yields and deposit costs) and fee-based services such as wealth management, brokerage, and capital markets activities, which helps reduce reliance on any single revenue stream.
The company operates through four reportable segments: Consumer Banking and Lending; Commercial Banking; Corporate and Investment Banking; and Wealth and Investment Management. Its product portfolio spans retail offerings like checking and savings accounts, credit and debit cards, and home, auto, personal, and small business loans, as well as institutional services including treasury management, commercial real estate lending, and equity and fixed income sales, trading, and research.
Wells Fargo serves a broad client base, ranging from individual consumers and small businesses to private, family-owned, and public companies, government entities, and institutional investors. WFC is one of the largest US bank holding companies by assets, and its diversified banks classification under GICS groups it with other major universal banks that combine retail, commercial, and investment banking operations under a single corporate structure.
The company was founded in 1852 and is headquartered in San Francisco, California, and has been listed on the NYSE since 1972. As a megacap financial, WFC is subject to oversight by the Federal Reserve and other banking regulators, and its performance is closely tied to US interest rate cycles, credit quality, and broader economic conditions.
- Net interest margin expands as Fed rates remain elevated
- Fed asset cap continues to restrict balance sheet growth
- Commercial real estate loan losses pressure earnings outlook
| Net Income: 23.0b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.29 > 1.0 |
| NWC/Revenue: -1.18k% < 20% (prev -960.3%; Δ -219.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 19.2b > Net Income 23.0b |
| Net Debt (-75.3b) to EBITDA (35.2b): -2.14 < 3 |
| Current Ratio: 0.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.05b) vs 12m ago -5.16% < -2% |
| Gross Margin: 63.90% > 18% (prev 64.44%; Δ -0.54% > 0.5%) |
| Asset Turnover: 6.05% > 50% (prev 5.93%; Δ 0.12% > 0%) |
| Interest Coverage Ratio: 0.64 > 6 (EBIT TTM 27.5b / Interest Expense TTM 43.0b) |
| A: -0.68 (Total Current Assets 296b - Total Current Liabilities 1835b) / Total Assets 2253b |
| B: 0.11 (Retained Earnings 241b / Total Assets 2253b) |
| C: 0.01 (EBIT TTM 27.5b / Avg Total Assets 2158b) |
| D: 0.08 (Book Value of Equity 176b / Total Liabilities 2075b) |
| Altman-Z'' = -3.96 = D |
As of October 26, 2026, the stock is trading at USD 82.39 with a total of 8,765,466 shares traded. Over the past week, the price has changed by -1.76%, over one month by +0.60%, over three months by -3.86% and over the past year by -0.32%.
Current recommended Stop Loss: 77.30 (which is 6.2% or 2.6 ATR below the current price).
Wells Fargo has received a consensus analysts rating of 4.22. Therefore, it is recommended to buy WFC.
- StrongBuy: 14
- Buy: 5
- Hold: 8
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 97.5 | 18.3% |
P/E Trailing = 11.3824
P/E Forward = 10.2459
P/S = 2.9886
P/B = 1.5024
P/EG = 1.3852
Revenue TTM = 130b USD
EBIT TTM = 27.5b USD
EBITDA TTM = 35.2b USD
Long Term Debt = 175b USD (from longTermDebt, last fiscal year)
Short Term Debt = 38.2b USD (from shortTermDebt, last quarter)
Debt = 221b USD (from shortLongTermDebtTotal, last quarter) + Leases 16.0m
Net Debt = -75.3b USD (calculated: Debt 221b - CCE 296b)
Enterprise Value = 173b USD (248b + Debt 221b - CCE 296b)
Interest Coverage Ratio = 0.64 (Ebit TTM 27.5b / Interest Expense TTM 43.0b)
EV/FCF = 9.03x (Enterprise Value 173b / FCF TTM 19.2b)
FCF Yield = 11.07% (FCF TTM 19.2b / Enterprise Value 173b)
FCF Margin = 14.69% (FCF TTM 19.2b / Revenue TTM 130b)
Net Margin = 17.64% (Net Income TTM 23.0b / Revenue TTM 130b)
Gross Margin = 63.90% ((Revenue TTM 130b - Cost of Revenue TTM 47.1b) / Revenue TTM)
Gross Margin QoQ = 62.66% (prev 64.63%)
Tobins Q-Ratio = 0.08 (Enterprise Value 173b / Total Assets 2253b)
Interest Expense / Debt = 19.44% (Interest Expense 43.0b / Debt 221b)
Taxrate = 15.89% (4.39b / 27.7b)
NOPAT = 23.1b (EBIT 27.5b * (1 - 15.89%))
Current Ratio = 0.16 (Total Current Assets 296b / Total Current Liabilities 1835b)
Debt / Equity = 1.26 (Debt 221b / totalStockholderEquity, last quarter 176b)
Debt / EBITDA = -2.14 (Net Debt -75.3b / EBITDA 35.2b)
Debt / FCF = -3.93 (Net Debt -75.3b / FCF TTM 19.2b)
Total Stockholder Equity = 179b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.07% (Net Income 23.0b / Total Assets 2253b)
RoE = 12.86% (Net Income TTM 23.0b / Total Stockholder Equity 179b)
RoCE = 7.78% (EBIT 27.5b / Capital Employed (Equity 179b + L.T.Debt 175b))
RoIC = 1.03% (NOPAT 23.1b / Invested Capital 2247b)
WACC = 12.20% (E(248b)/V(469b) * Re(8.51%) + D(221b)/V(469b) * Rd(19.44%) * (1-Tc(0.16)))
Discount Rate = 8.51% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.88 | Cagr: -5.75%
[DCF] Terminal Value 63.19% ; FCFF base≈19.2b ; Y1≈19.2b ; Y5≈20.4b
[DCF] Fair Price = 88.93 (EV 192b - Net Debt -75.3b = Equity 267b / Shares 3.00b; r=12.20% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 98.69 | EPS CAGR: 15.82% | SUE: 0.18 | # QB: 0
Revenue Correlation: 77.32 | Revenue CAGR: 2.79% | SUE: 0.76 | # QB: 0
EPS current Quarter (2027-03-31): EPS=1.77 | Chg30d=+0.89% | Revisions=-12% | Analysts=12
EPS current Year (2026-12-31): EPS=7.34 | Chg30d=+0.43% | Revisions=+17% | GrowthEPS=+17.2% | GrowthRev=+5.3%
EPS next Year (2027-12-31): EPS=8.05 | Chg30d=+1.08% | Revisions=+32% | GrowthEPS=+9.7% | GrowthRev=+5.4%
[Analyst] Revisions Ratio: +21% (up=22, down=14)