(WFC) Wells Fargo - Overview

Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 261.230m USD | Total Return: 32.5% in 12m

Banking, Lending, Investments, Finance

Total Rating 34

Safety 31

Buy Signal 0.77

Banks - Diversified
Industry Rotation: +17.9

Market Cap: 261B
Avg Turnover: 1.21B USD

ATR: 2.71%
Peers RS (IBD): 10.2

Risk 5d forecast

Volatility26.3%

Rel. Tail Risk-4.93%

Reward TTM

Sharpe Ratio1.26

Alpha-0.89

Character TTM

Beta1.184

Beta Downside1.555

Drawdowns 3y

Max DD24.73%

CAGR/Max DD1.34

EPS (Earnings per Share)

EPS CAGR: 17.67%
EPS Trend: 75.6%

Last SUE: -0.78
Qual. Beats: 0

Revenue

Rev. CAGR: 15.24%
Rev. Trend: 83.0%

Last SUE: 2.93
Qual. Beats: 1

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: WFC Wells Fargo

Wells Fargo & Company (WFC) is a diversified financial services company operating in the United States and internationally. It provides banking, investment, mortgage, and consumer and commercial finance products and services.

The companys operations are divided into four segments. Consumer Banking and Lending serves consumers and small businesses with deposit accounts, credit cards, and various lending products. Commercial Banking offers financial solutions, including credit and treasury management, to private, family-owned, and public companies. Corporate and Investment Banking provides capital markets, banking, and financial products such as corporate banking and commercial real estate lending to corporate, government, and institutional clients. Wealth and Investment Management delivers wealth management, brokerage, and financial planning services to affluent and high-net-worth individuals.

Diversified banks, like Wells Fargo, typically generate revenue from both interest-bearing activities, such as loans, and non-interest income, including fees for services. The banking sector is highly regulated globally, with institutions subject to oversight from government agencies to ensure financial stability and consumer protection. Investors often analyze a banks net interest margin and asset quality to assess performance. You can find detailed financial metrics and historical data for WFC on ValueRay to aid your research.

Headlines to Watch Out For

Net interest income growth driven by rising rates
Loan demand impacts consumer and commercial lending
Regulatory fines and litigation costs erode profitability
Wealth management fees fluctuate with market performance
Economic downturns increase loan loss provisions

Piotroski VR‑10 (Strict) 5.0

Net Income: 21.34b TTM > 0 and > 6% of Revenue
FCF/TA: -0.01 > 0.02 and ΔFCF/TA -1.04 > 1.0
NWC/Revenue: -994.2% < 20% (prev -857.1%; Δ -137.1% < -1%)
CFO/TA -0.01 > 3% & CFO -19.00b > Net Income 21.34b
Net Debt (-45.83b) to EBITDA (32.91b): -1.39 < 3
Current Ratio: 0.29 > 1.5 & < 3
Outstanding Shares: last quarter (3.22b) vs 12m ago -4.26% < -2%
Gross Margin: 64.80% > 18% (prev 0.62%; Δ 6.42k% > 0.5%)
Asset Turnover: 6.06% > 50% (prev 6.50%; Δ -0.44% > 0%)
Interest Coverage Ratio: 0.63 > 6 (EBITDA TTM 32.91b / Interest Expense TTM 39.83b)

Altman Z'' -3.20

A: -0.57 (Total Current Assets 494.53b - Total Current Liabilities 1722.68b) / Total Assets 2148.63b
B: 0.11 (Retained Earnings 228.87b / Total Assets 2148.63b)
C: 0.01 (EBIT TTM 25.20b / Avg Total Assets 2039.24b)
D: 0.12 (Book Value of Equity 231.34b / Total Liabilities 1965.59b)
Altman-Z'' Score: -3.20 = D

Beneish M -3.44

DSRI: 0.55 (Receivables 22.98b/42.36b, Revenue 123.53b/125.40b)
GMI: 0.96 (GM 64.80% / 62.17%)
AQI: 0.98 (AQ_t 0.76 / AQ_t-1 0.78)
SGI: 0.99 (Revenue 123.53b / 125.40b)
TATA: 0.02 (NI 21.34b - CFO -19.00b) / TA 2148.63b)
Beneish M-Score: -3.44 (Cap -4..+1) = AA

What is the price of WFC shares? As of April 10, 2026, the stock is trading at USD 86.02 with a total of 10,477,982 shares traded.
Over the past week, the price has changed by +6.72%, over one month by +9.12%, over three months by -9.91% and over the past year by +32.50%.

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.

StrongBuy: 10
Buy: 6
Hold: 8
Sell: 0
StrongSell: 0

What are the forecasts/targets for the WFC price?

Analysts Target Price	98.4	14.3%

Wells Fargo (WFC) - Fundamental Data Overview as of 10 April 2026

P/E Trailing = 13.524
P/E Forward = 11.6959
P/S = 3.2637
P/B = 1.5299
P/EG = 1.7452
Revenue TTM = 123.53b USD
EBIT TTM = 25.20b USD
EBITDA TTM = 32.91b USD
Long Term Debt = 174.71b USD (from longTermDebt, last quarter)
Short Term Debt = 251.01b USD (from shortTermDebt, last quarter)
Debt = 425.72b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -45.83b USD (recalculated: Debt 425.72b - CCE 471.55b)
Enterprise Value = 215.40b USD (261.23b + Debt 425.72b - CCE 471.55b)
Interest Coverage Ratio = 0.63 (Ebit TTM 25.20b / Interest Expense TTM 39.83b)
EV/FCF = -11.34x (Enterprise Value 215.40b / FCF TTM -19.00b)
FCF Yield = -8.82% (FCF TTM -19.00b / Enterprise Value 215.40b)
FCF Margin = -15.38% (FCF TTM -19.00b / Revenue TTM 123.53b)
Net Margin = 17.27% (Net Income TTM 21.34b / Revenue TTM 123.53b)
Gross Margin = 64.80% ((Revenue TTM 123.53b - Cost of Revenue TTM 43.49b) / Revenue TTM)
Gross Margin QoQ = 64.45% (prev 65.05%)
Tobins Q-Ratio = 0.10 (Enterprise Value 215.40b / Total Assets 2148.63b)
Interest Expense / Debt = 2.41% (Interest Expense 10.27b / Debt 425.72b)
Taxrate = 16.90% (1.10b / 6.53b)
NOPAT = 20.94b (EBIT 25.20b * (1 - 16.90%))
Current Ratio = 0.29 (Total Current Assets 494.53b / Total Current Liabilities 1722.68b)
Debt / Equity = 2.35 (Debt 425.72b / totalStockholderEquity, last quarter 181.12b)
Debt / EBITDA = -1.39 (Net Debt -45.83b / EBITDA 32.91b)
Debt / FCF = 2.41 (negative FCF - burning cash) (Net Debt -45.83b / FCF TTM -19.00b)
Total Stockholder Equity = 181.12b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.05% (Net Income 21.34b / Total Assets 2148.63b)
RoE = 11.78% (Net Income TTM 21.34b / Total Stockholder Equity 181.12b)
RoCE = 7.08% (EBIT 25.20b / Capital Employed (Equity 181.12b + L.T.Debt 174.71b))
RoIC = 5.73% (NOPAT 20.94b / Invested Capital 365.52b)
WACC = 5.10% (E(261.23b)/V(686.95b) * Re(10.15%) + D(425.72b)/V(686.95b) * Rd(2.41%) * (1-Tc(0.17)))
Discount Rate = 10.15% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.20%
[DCF] Fair Price = unknown (Cash Flow -19.00b)
EPS Correlation: 75.64 | EPS CAGR: 17.67% | SUE: -0.78 | # QB: 0
Revenue Correlation: 83.05 | Revenue CAGR: 15.24% | SUE: 2.93 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.76 | Chg7d=-0.003 | Chg30d=-0.000 | Revisions Net=-1 | Analysts=20
EPS current Year (2026-12-31): EPS=7.00 | Chg7d=-0.003 | Chg30d=+0.011 | Revisions Net=+1 | Growth EPS=+11.8% | Growth Revenue=+5.5%
EPS next Year (2027-12-31): EPS=7.96 | Chg7d=-0.009 | Chg30d=+0.016 | Revisions Net=+1 | Growth EPS=+13.8% | Growth Revenue=+4.3%
[Analyst] Revisions Ratio: -0.20 (2 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.8% (Discount Rate 10.2% - Earnings Yield 7.4%)
[Growth] Growth Spread = +2.5% (Analyst 5.2% - Implied 2.8%)

External Resources

Dataroma Stockcircle