WFC Stock Analysis: Wells Fargo | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 242.676m USD | 12M Return: 6.9% | US9497461015 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.16B
EPS Trend: 89.7%
Qual. Beats: 1
Rev. Trend: 75.5%
Qual. Beats: 0
Warnings
Tailwinds
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: 22.6b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.30 > 1.0 |
| NWC/Revenue: -693.5% < 20% (prev -896.6%; Δ 203.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 19.2b > Net Income 22.6b |
| Net Debt (-481b) to EBITDA (35.0b): -13.73 < 3 |
| Current Ratio: 0.51 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.08b) vs 12m ago -5.72% < -2% |
| Gross Margin: 64.50% > 18% (prev 63.37%; Δ 1.13% > 0.5%) |
| Asset Turnover: 6.06% > 50% (prev 6.16%; Δ -0.11% > 0%) |
| Interest Coverage Ratio: 0.65 > 6 (EBIT TTM 27.3b / Interest Expense TTM 42.1b) |
| A: -0.39 (Total Current Assets 940b - Total Current Liabilities 1835b) / Total Assets 2282b |
| B: 0.10 (Retained Earnings 237b / Total Assets 2282b) |
| C: 0.01 (EBIT TTM 27.3b / Avg Total Assets 2132b) |
| D: 0.09 (Book Value of Equity 180b / Total Liabilities 2100b) |
| Altman-Z'' = -2.06 = D |
| DSRI: 0.52 (Receivables 30.8b/56.1b, Revenue 129b/122b) |
| GMI: 0.98 (GM 63.37% / 64.50%) |
| AQI: 0.76 (AQ_t 0.58 / AQ_t-1 0.77) |
| SGI: 1.06 (Revenue 129b / 122b) |
| TATA: 0.00 (NI 22.6b - CFO 19.2b) / TA 2282b) |
| Beneish M = -3.54 (Cap -4..+1) = AAA |
As of October 12, 2026, the stock is trading at USD 83.55 with a total of 22,344,038 shares traded. Over the past week, the price has changed by +3.85%, over one month by -6.83%, over three months by -3.31% and over the past year by +6.86%.
Current recommended Stop Loss: 81.00 (which is 3.1% or 1.4 ATR below the current price).
Wells Fargo has received a consensus analysts rating of 4.15. Therefore, it is recommended to buy WFC.
- StrongBuy: 13
- Buy: 4
- Hold: 9
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 100.4 | 20.1% |
P/E Trailing = 11.6642
P/E Forward = 10.2459
P/S = 2.9229
P/B = 1.5024
P/EG = 1.3852
Revenue TTM = 129b USD
EBIT TTM = 27.3b USD
EBITDA TTM = 35.0b USD
Long Term Debt = 170b USD (from longTermDebt, last quarter)
Short Term Debt = 277b USD (from shortTermDebt, last quarter)
Debt = 459b USD (from shortLongTermDebtTotal, last quarter) + Leases 16.0m
Net Debt = -481b USD (calculated: Debt 459b - CCE 940b)
Enterprise Value = 243b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.65 (Ebit TTM 27.3b / Interest Expense TTM 42.1b)
EV/FCF = 12.66x (Enterprise Value 243b / FCF TTM 19.2b)
FCF Yield = 7.90% (FCF TTM 19.2b / Enterprise Value 243b)
FCF Margin = 14.85% (FCF TTM 19.2b / Revenue TTM 129b)
Net Margin = 17.54% (Net Income TTM 22.6b / Revenue TTM 129b)
Gross Margin = 64.50% ((Revenue TTM 129b - Cost of Revenue TTM 45.8b) / Revenue TTM)
Gross Margin QoQ = 64.63% (prev 63.88%)
Tobins Q-Ratio = 0.11 (Enterprise Value 243b / Total Assets 2282b)
Interest Expense / Debt = 9.16% (Interest Expense 42.1b / Debt 459b)
Taxrate = 16.51% (4.53b / 27.5b)
NOPAT = 22.8b (EBIT 27.3b * (1 - 16.51%))
Current Ratio = 0.51 (Total Current Assets 940b / Total Current Liabilities 1835b)
Debt / Equity = 2.55 (Debt 459b / totalStockholderEquity, last quarter 180b)
Debt / EBITDA = -13.73 (Net Debt -481b / EBITDA 35.0b)
Debt / FCF = -25.07 (Net Debt -481b / FCF TTM 19.2b)
Total Stockholder Equity = 180b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.06% (Net Income 22.6b / Total Assets 2282b)
RoE = 12.57% (Net Income TTM 22.6b / Total Stockholder Equity 180b)
RoCE = 7.81% (EBIT 27.3b / Capital Employed (Equity 180b + L.T.Debt 170b))
RoIC = 3.18% (NOPAT 22.8b / Invested Capital 718b)
WACC = 8.12% (E(243b)/V(702b) * Re(9.01%) + D(459b)/V(702b) * Rd(9.16%) * (1-Tc(0.17)))
Discount Rate = 9.01% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.95 | Cagr: -6.70%
[DCF] Terminal Value 75.44% ; FCFF base≈19.2b ; Y1≈19.2b ; Y5≈20.4b
[DCF] Fair Price = 263.8 (EV 317b - Net Debt -481b = Equity 798b / Shares 3.02b; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 89.73 | EPS CAGR: 12.39% | SUE: 2.27 | # QB: 1
Revenue Correlation: 75.48 | Revenue CAGR: 3.86% | SUE: 0.82 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.85 | Chg30d=+0.64% | Revisions=+57% | Analysts=19
EPS current Year (2026-12-31): EPS=7.32 | Chg30d=+0.25% | Revisions=+57% | GrowthEPS=+17.0% | GrowthRev=+6.2%
EPS next Year (2027-12-31): EPS=8.01 | Chg30d=+0.55% | Revisions=+57% | GrowthEPS=+9.3% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: +80% (up=12, down=0)