Overview Dividends

(WFC) Wells Fargo - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US9497461015

Checking, Savings, Mortgage, Investment, Loans

WFC EPS (Earnings per Share)

EPS Growth (3Y CAGR): 6.63%
EPS Trend (3Y Correlation): 55.3%

WFC Revenue

Revenue Growth (3Y CAGR): 10.87%
Revenue Trend (3Y Correlation): 73.1%

Description: WFC Wells Fargo

Wells Fargo & Company (NYSE:WFC) is a diversified financial services firm that operates globally through four primary business segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management.

The Consumer Banking and Lending segment serves retail customers and small businesses with a full suite of deposit products (checking, savings, and CDs) and credit offerings, including credit and debit cards, mortgages, auto loans, personal loans, and small-business financing.

The Commercial Banking segment targets private, family-owned, and select public companies, delivering banking and credit solutions across multiple industries and municipalities, as well as secured lending, lease products, and treasury management services.

The Corporate and Investment Banking segment provides capital-markets, corporate banking, investment-banking, treasury, commercial-real-estate financing, equity and fixed-income execution, and research services to corporate, government, and institutional clients.

The Wealth & Investment Management segment offers personalized wealth-management, brokerage, financial-planning, private-banking, lending, and trust services to affluent, high-net-worth, and ultra-high-net-worth individuals, leveraging both physical advisor networks and digital platforms such as WellsTrade and Intuitive Investor.

Recent data (Q2 2024) shows Wells Fargo’s net interest margin at 3.4% and net interest income of $12.5 billion, with loan growth of roughly 5% YoY and deposits up 3% YoY, while credit-loss provisions remain low at 0.55% of total loans-indicating resilience amid a tightening Federal Reserve policy environment that is a key driver for the diversified-bank sector.

For a deeper quantitative view, you may find ValueRay’s data dashboards useful for tracking WFC’s key performance metrics over time.

WFC Stock Overview

Market Cap in USD	264,511m
Sub-Industry	Diversified Banks
IPO / Inception	1972-06-01

WFC Stock Ratings

Growth Rating	85.4%
Fundamental	50.9%
Dividend Rating	63.6%
Return 12m vs S&P 500	14.2%
Analyst Rating	4.08 of 5

WFC Dividends

Dividend Yield 12m	1.95%
Yield on Cost 5y	7.95%
Annual Growth 5y	5.30%
Payout Consistency	95.6%
Payout Ratio	21.9%

WFC Growth Ratios

Growth Correlation 3m	52.9%
Growth Correlation 12m	72.1%
Growth Correlation 5y	77.3%
CAGR 5y	26.00%
CAGR/Max DD 3y (Calmar Ratio)	1.03
CAGR/Mean DD 3y (Pain Ratio)	3.47
Sharpe Ratio 12m	0.78
Alpha	14.86
Beta	1.240
Volatility	30.16%
Current Volume	18802.5k
Average Volume 20d	12837.7k
Stop Loss	81.2 (-3.2%)
Signal	0.29

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (21.06b TTM) > 0 and > 6% of Revenue (6% = 7.35b TTM)

FCFTA -0.00 (>2.0%) and ΔFCFTA -1.67pp (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 -0.00 (>3.0%) and CFO -9.14b <= 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

(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) 50.91

1. Piotroski 4.0pt = -1.0

2. FCF Yield -4.89% = -2.45

3. FCF Margin -7.46% = -2.80

4. Debt/Equity 2.25 = 0.38

5. Debt/Ebitda 7.75 = -2.50

6. ROIC - WACC (= 0.04)% = 0.05

7. RoE 11.66% = 0.97

8. Rev. Trend 73.06% = 5.48

9. EPS Trend 55.33% = 2.77

What is the price of WFC shares?

As of October 23, 2025, the stock is trading at USD 83.88 with a total of 18,802,500 shares traded.
Over the past week, the price has changed by -2.98%, over one month by -1.50%, over three months by +2.42% and over the past year by +32.30%.

Is Wells Fargo a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Wells Fargo is currently (October 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 50.91 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of WFC is around 96.29 USD . This means that WFC is currently undervalued and has a potential upside of +14.79% (Margin of Safety).

Is WFC a buy, sell or hold?

Wells Fargo has received a consensus analysts rating of 4.08. Therefore, it is recommended to buy WFC.

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	91.4	9%
Analysts Target Price	91.4	9%
ValueRay Target Price	104.4	24.5%

Last update: 2025-10-18 05:05

WFC Fundamental Data Overview

Market Cap USD = 264.51b (264.51b USD * 1.0 USD.USD)
P/E Trailing = 13.8386
P/E Forward = 11.919
P/S = 3.3452
P/B = 1.5676
P/EG = 1.5692
Beta = 1.24
Revenue TTM = 122.56b USD
EBIT TTM = 24.06b USD
EBITDA TTM = 30.19b USD
Long Term Debt = 173.06b USD (from longTermDebt, last fiscal year)
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 = 186.80b USD (264.51b + Debt 408.42b - CCE 486.13b)
Interest Coverage Ratio = 0.60 (Ebit TTM 24.06b / Interest Expense TTM 39.78b)
FCF Yield = -4.89% (FCF TTM -9.14b / Enterprise Value 186.80b)
FCF Margin = -7.46% (FCF TTM -9.14b / 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 = 0.09 (Enterprise Value 186.80b / 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 = -25.60 (negative FCF - burning cash) (Net Debt 234.10b / FCF TTM -9.14b)
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 = 6.80% (EBIT 24.06b / Capital Employed (Equity 180.62b + L.T.Debt 173.06b))
RoIC = 5.46% (NOPAT 19.53b / Invested Capital 357.65b)
WACC = 5.42% (E(264.51b)/V(672.93b) * Re(10.58%) + D(408.42b)/V(672.93b) * Rd(2.56%) * (1-Tc(0.19)))
Discount Rate = 10.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.20%
Fair Price DCF = unknown (Cash Flow -9.14b)
EPS Correlation: 55.33 | EPS CAGR: 6.63% | SUE: 2.69 | # QB: 5
Revenue Correlation: 73.06 | Revenue CAGR: 10.87% | SUE: 0.80 | # QB: 0

Additional Sources for WFC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle