(WFC) Wells Fargo - Ratings and Ratios
Banking, Lending, Investment, Mortgage, Wealth
Dividends
| Dividend Yield | 1.89% |
| Yield on Cost 5y | 6.50% |
| Yield CAGR 5y | 5.30% |
| Payout Consistency | 90.9% |
| Payout Ratio | 28.4% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 24.8% |
| Value at Risk 5%th | 38.5% |
| Relative Tail Risk | -5.64% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.79 |
| Alpha | 8.62 |
| CAGR/Max DD | 1.27 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.556 |
| Beta | 1.024 |
| Beta Downside | 1.348 |
| Drawdowns 3y | |
|---|---|
| Max DD | 25.30% |
| Mean DD | 7.04% |
| Median DD | 5.43% |
Description: WFC Wells Fargo December 02, 2025
Wells Fargo & Company (NYSE: WFC) is a diversified financial services firm headquartered in San Francisco, operating across Consumer Banking & Lending, Commercial Banking, Corporate & Investment Banking, and Wealth & Investment Management. The firm offers a full suite of banking, mortgage, credit, investment, and advisory products to retail, small-business, corporate, and high-net-worth clients in the United States and abroad.
The Consumer Banking & Lending segment serves individuals and small businesses with checking/savings accounts, credit and debit cards, and loan products (home, auto, personal, and small-business). Commercial Banking targets private, family-owned, and select public companies, providing credit, lease, treasury, and municipal financing. Corporate & Investment Banking delivers capital-markets, corporate finance, commercial real-estate lending, and trading services to corporations, governments, and institutional investors. Wealth & Investment Management offers brokerage, financial planning, private banking, trust, and digital platforms (WellsTrade, Intuitive Investor) for affluent and ultra-high-net-worth clients.
Key recent metrics: Q4 2024 net interest margin (NIM) held at 3.12%, reflecting a modest compression as the Federal Reserve’s policy rate stabilizes near 5.5%; loan growth slowed to 2.1% YoY, with consumer loan delinquencies edging up to 2.3%-still below the industry average of 2.9%. The wealth segment’s assets under management (AUM) grew 6% to $1.4 trillion, driven by strong inflows into fee-based advisory accounts, while commercial loan balances rose 3% as corporate borrowers refinance higher-rate debt.
For a deeper, data-driven look at how these trends translate into valuation levers, you might explore the detailed analyst dashboards on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (21.06b TTM) > 0 and > 6% of Revenue (6% = 7.35b TTM) |
| FCFTA -0.01 (>2.0%) and ΔFCFTA -1.33pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -982.7% (prev -845.0%; Δ -137.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -14.22b <= Net Income 21.06b (YES >=105%, WARN >=100%) |
| Net Debt (234.10b) to EBITDA (30.19b) ratio: 7.75 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.29 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.22b) change vs 12m ago -6.06% (target <= -2.0% for YES) |
| Gross Margin 64.52% (prev 62.13%; Δ 2.39pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.15% (prev 6.52%; Δ -0.37pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.60 (EBITDA TTM 30.19b / Interest Expense TTM 39.78b) >= 6 (WARN >= 3) |
Altman Z'' -3.27
| (A) -0.58 = (Total Current Assets 486.13b - Total Current Liabilities 1690.62b) / Total Assets 2062.93b |
| (B) 0.11 = Retained Earnings (Balance) 225.19b / Total Assets 2062.93b |
| (C) 0.01 = EBIT TTM 24.06b / Avg Total Assets 1992.53b |
| (D) 0.12 = Book Value of Equity 226.68b / Total Liabilities 1879.91b |
| Total Rating: -3.27 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 49.90
| 1. Piotroski 4.0pt |
| 2. FCF Yield -7.24% |
| 3. FCF Margin -11.60% |
| 4. Debt/Equity 2.25 |
| 5. Debt/Ebitda 7.75 |
| 6. ROIC - WACC (= 0.20)% |
| 7. RoE 11.66% |
| 8. Rev. Trend 85.32% |
| 9. EPS Trend 67.21% |
What is the price of WFC shares?
Over the past week, the price has changed by +4.64%, over one month by +3.86%, over three months by +14.36% and over the past year by +24.60%.
Is WFC a buy, sell or hold?
- Strong Buy: 10
- Buy: 6
- Hold: 8
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the WFC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 93.7 | 4.3% |
| Analysts Target Price | 93.7 | 4.3% |
| ValueRay Target Price | 112.9 | 25.7% |
WFC Fundamental Data Overview November 29, 2025
P/E Trailing = 14.0956
P/E Forward = 12.5786
P/S = 3.4663
P/B = 1.6322
P/EG = 1.1983
Beta = 1.106
Revenue TTM = 122.56b USD
EBIT TTM = 24.06b USD
EBITDA TTM = 30.19b USD
Long Term Debt = 177.77b USD (from longTermDebt, last quarter)
Short Term Debt = 230.65b USD (from shortTermDebt, last quarter)
Debt = 408.42b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 234.10b USD (from netDebt column, last quarter)
Enterprise Value = 196.38b USD (274.09b + Debt 408.42b - CCE 486.13b)
Interest Coverage Ratio = 0.60 (Ebit TTM 24.06b / Interest Expense TTM 39.78b)
FCF Yield = -7.24% (FCF TTM -14.22b / Enterprise Value 196.38b)
FCF Margin = -11.60% (FCF TTM -14.22b / Revenue TTM 122.56b)
Net Margin = 17.18% (Net Income TTM 21.06b / Revenue TTM 122.56b)
Gross Margin = 64.52% ((Revenue TTM 122.56b - Cost of Revenue TTM 43.49b) / Revenue TTM)
Gross Margin QoQ = 65.05% (prev 65.11%)
Tobins Q-Ratio = 0.10 (Enterprise Value 196.38b / Total Assets 2062.93b)
Interest Expense / Debt = 2.56% (Interest Expense 10.47b / Debt 408.42b)
Taxrate = 18.82% (1.30b / 6.91b)
NOPAT = 19.53b (EBIT 24.06b * (1 - 18.82%))
Current Ratio = 0.29 (Total Current Assets 486.13b / Total Current Liabilities 1690.62b)
Debt / Equity = 2.25 (Debt 408.42b / totalStockholderEquity, last quarter 181.15b)
Debt / EBITDA = 7.75 (Net Debt 234.10b / EBITDA 30.19b)
Debt / FCF = -16.46 (negative FCF - burning cash) (Net Debt 234.10b / FCF TTM -14.22b)
Total Stockholder Equity = 180.62b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.02% (Net Income 21.06b / Total Assets 2062.93b)
RoE = 11.66% (Net Income TTM 21.06b / Total Stockholder Equity 180.62b)
RoCE = 6.71% (EBIT 24.06b / Capital Employed (Equity 180.62b + L.T.Debt 177.77b))
RoIC = 5.38% (NOPAT 19.53b / Invested Capital 362.92b)
WACC = 5.18% (E(274.09b)/V(682.51b) * Re(9.79%) + D(408.42b)/V(682.51b) * Rd(2.56%) * (1-Tc(0.19)))
Discount Rate = 9.79% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.20%
Fair Price DCF = unknown (Cash Flow -14.22b)
EPS Correlation: 67.21 | EPS CAGR: 9.05% | SUE: 2.48 | # QB: 2
Revenue Correlation: 85.32 | Revenue CAGR: 10.81% | SUE: 0.80 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.53 | Chg30d=+0.090 | Revisions Net=+12 | Analysts=14
EPS next Year (2026-12-31): EPS=7.01 | Chg30d=+0.039 | Revisions Net=+5 | Growth EPS=+10.8% | Growth Revenue=+4.7%
Additional Sources for WFC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle