WFC Stock Analysis: Wells Fargo | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 261.677m USD | 12M Return: 4.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.25B
EPS Trend: 81.4%
Qual. Beats: 0
Rev. Trend: 75.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 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 financial services firm headquartered in San Francisco, California, founded in 1852. It operates through four core segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management, offering products ranging from checking accounts, credit cards, and mortgage lending to investment banking, treasury management, and wealth advisory services for retail, commercial, and institutional clients across the U.S. and select international markets.
As one of the largest U.S. banks under the GICS Diversified Banks sub-industry, Wells Fargo follows a universal banking model that integrates retail deposits, commercial lending, capital markets, and wealth management under a single franchise. This structure, common among the largest U.S. money-center banks, allows the company to cross-sell financial products across customer segments while serving both consumer and institutional clients.
- Fed lifts asset cap accelerating balance sheet growth
- Net interest margin compression pressures quarterly profits
- Commercial real estate loan losses inflate credit provisions
| Net Income: 21.7b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.16 > 1.0 |
| NWC/Revenue: -925.4% < 20% (prev -888.8%; Δ -36.53% < -1%) |
| CFO/TA 0.00 > 3% & CFO 1.18b > Net Income 21.7b |
| Net Debt (-161b) to EBITDA (33.4b): -4.83 < 3 |
| Current Ratio: 0.34 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.22b) vs 12m ago -3.14% < -2% |
| Gross Margin: 64.55% > 18% (prev 62.53%; Δ 2.02% > 0.5%) |
| Asset Turnover: 6.05% > 50% (prev 6.33%; Δ -0.29% > 0%) |
| Interest Coverage Ratio: 0.63 > 6 (EBIT TTM 25.7b / Interest Expense TTM 40.7b) |
| A: -0.53 (Total Current Assets 612b - Total Current Liabilities 1775b) / Total Assets 2206b |
| B: 0.11 (Retained Earnings 232b / Total Assets 2206b) |
| C: 0.01 (EBIT TTM 25.7b / Avg Total Assets 2078b) |
| D: 0.09 (Book Value of Equity 178b / Total Liabilities 2025b) |
| Altman-Z'' = -2.94 = D |
| DSRI: 0.57 (Receivables 29.7b/51.1b, Revenue 126b/124b) |
| GMI: 0.97 (GM 62.53% / 64.55%) |
| AQI: 0.92 (AQ_t 0.72 / AQ_t-1 0.78) |
| SGI: 1.02 (Revenue 126b / 124b) |
| TATA: 0.01 (NI 21.7b - CFO 1.18b) / TA 2206b) |
| Beneish M = -3.44 (Cap -4..+1) = AA |
As of July 06, 2026, the stock is trading at USD 85.51 with a total of 10,783,800 shares traded. Over the past week, the price has changed by +0.91%, over one month by +8.68%, over three months by +5.07% and over the past year by +4.53%.
Current recommended Stop Loss: 80.40 (which is 6% or 2.6 ATR below the current price).
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
| Analysts Target Price | 96.5 | 12.9% |
P/E Trailing = 13.2164
P/E Forward = 12.21
P/S = 3.2252
P/B = 1.613
P/EG = 1.5259
Revenue TTM = 126b USD
EBIT TTM = 25.7b USD
EBITDA TTM = 33.4b USD
Long Term Debt = 184b USD (from longTermDebt, last quarter)
Short Term Debt = 267b USD (from shortTermDebt, last quarter)
Debt = 451b USD (from shortLongTermDebtTotal, last quarter) + Leases 16.0m
Net Debt = -161b USD (calculated: Debt 451b - CCE 612b)
Enterprise Value = 100b USD (262b + Debt 451b - CCE 612b)
Interest Coverage Ratio = 0.63 (Ebit TTM 25.7b / Interest Expense TTM 40.7b)
EV/FCF = 84.98x (Enterprise Value 100b / FCF TTM 1.18b)
FCF Yield = 1.18% (FCF TTM 1.18b / Enterprise Value 100b)
FCF Margin = 0.94% (FCF TTM 1.18b / Revenue TTM 126b)
Net Margin = 17.29% (Net Income TTM 21.7b / Revenue TTM 126b)
Gross Margin = 64.55% ((Revenue TTM 126b - Cost of Revenue TTM 44.6b) / Revenue TTM)
Gross Margin QoQ = 63.88% (prev 64.45%)
Tobins Q-Ratio = 0.05 (Enterprise Value 100b / Total Assets 2206b)
Interest Expense / Debt = 9.03% (Interest Expense 40.7b / Debt 451b)
Taxrate = 15.65% (4.05b / 25.9b)
NOPAT = 21.7b (EBIT 25.7b * (1 - 15.65%))
Current Ratio = 0.34 (Total Current Assets 612b / Total Current Liabilities 1775b)
Debt / Equity = 2.53 (Debt 451b / totalStockholderEquity, last quarter 178b)
Debt / EBITDA = -4.83 (Net Debt -161b / EBITDA 33.4b)
Debt / FCF = -137.0 (out of range, set to none) (Net Debt -161b / FCF TTM 1.18b)
Total Stockholder Equity = 180b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.05% (Net Income 21.7b / Total Assets 2206b)
RoE = 12.04% (Net Income TTM 21.7b / Total Stockholder Equity 180b)
RoCE = 7.06% (EBIT 25.7b / Capital Employed (Equity 180b + L.T.Debt 184b))
RoIC = 3.14% (NOPAT 21.7b / Invested Capital 691b)
WACC = 8.23% (E(262b)/V(712b) * Re(9.27%) + D(451b)/V(712b) * Rd(9.03%) * (1-Tc(0.16)))
Discount Rate = 9.27% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.61 | Cagr: -5.53%
[DCF] Terminal Value 73.10% ; FCFF base≈2.36b ; Y1≈2.07b ; Y5≈1.67b
[DCF] Fair Price = 61.53 (EV 26.8b - Net Debt -161b = Equity 188b / Shares 3.06b; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 81.45 | EPS CAGR: 9.25% | SUE: -0.43 | # QB: 0
Revenue Correlation: 75.71 | Revenue CAGR: 5.83% | SUE: 0.70 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.71 | Chg30d=+0.70% | Revisions=-84% | Analysts=18
EPS next Quarter (2026-09-30): EPS=1.81 | Chg30d=+0.27% | Revisions=-65% | Analysts=18
EPS current Year (2026-12-31): EPS=7.00 | Chg30d=+0.17% | Revisions=-19% | GrowthEPS=+11.9% | GrowthRev=+4.8%
EPS next Year (2027-12-31): EPS=7.90 | Chg30d=+0.19% | Revisions=-67% | GrowthEPS=+12.8% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: -65% (up=11, down=58)