(WFC) Wells Fargo - Ratings and Ratios
Banking, Investment, Mortgage, CreditCards, LendingServices
WFC EPS (Earnings per Share)
WFC Revenue
Description: WFC Wells Fargo
Wells Fargo & Company is a diversified financial services company operating in the United States and internationally, offering a wide range of banking, investment, mortgage, and consumer and commercial finance products and services through four main segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management.
The companys diversified business model allows it to cater to various customer segments, from individual consumers and small businesses to large corporations and high-net-worth individuals. Its Consumer Banking and Lending segment provides essential financial products and services, while the Commercial Banking segment offers financial solutions to private and public companies. The Corporate and Investment Banking segment delivers a suite of capital markets and banking products, and the Wealth and Investment Management segment provides personalized wealth management services.
From a performance perspective, Wells Fargo has shown resilience in its financials. Key Performance Indicators (KPIs) such as Return on Equity (RoE) of 11.11% indicate a reasonable return for shareholders. The companys Price-to-Earnings (P/E) ratio of 14.81 and Forward P/E of 14.31 suggest a relatively stable valuation. With a Market Capitalization of $268 billion, Wells Fargo is one of the largest banks in the United States.
In terms of growth and stability, the companys ability to maintain a strong presence across various business segments and its extensive branch and digital network are key strengths. The efficiency ratio, which measures a banks overhead as a percentage of its revenue, is an important metric to watch for Wells Fargo, as it indicates the companys ability to manage its expenses. Additionally, metrics such as Net Interest Margin (NIM) and the ratio of non-performing assets to total assets are crucial in assessing the companys financial health.
Overall, Wells Fargo & Companys diversified business model, extensive financial services offerings, and significant market presence make it a significant player in the financial services industry. Its financial performance and key metrics will continue to be important indicators of its stability and growth prospects.
WFC Stock Overview
| Market Cap in USD | 249,324m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1972-06-01 |
WFC Stock Ratings
| Growth Rating | 84.9% |
| Fundamental | 56.8% |
| Dividend Rating | 66.2% |
| Return 12m vs S&P 500 | 24.8% |
| Analyst Rating | 4.08 of 5 |
WFC Dividends
| Dividend Yield 12m | 2.13% |
| Yield on Cost 5y | 7.66% |
| Annual Growth 5y | 4.22% |
| Payout Consistency | 95.6% |
| Payout Ratio | 28.3% |
WFC Growth Ratios
| Growth Correlation 3m | 45.8% |
| Growth Correlation 12m | 73.4% |
| Growth Correlation 5y | 77.4% |
| CAGR 5y | 30.82% |
| CAGR/Max DD 5y | 0.83 |
| Sharpe Ratio 12m | 1.02 |
| Alpha | 30.21 |
| Beta | 1.137 |
| Volatility | 28.29% |
| Current Volume | 13949k |
| Average Volume 20d | 14157k |
| Stop Loss | 79.5 (-3%) |
| Signal | -0.97 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (20.58b TTM) > 0 and > 6% of Revenue (6% = 7.34b TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -1.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -939.5% (prev -859.8%; Δ -79.67pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.00 (>3.0%) and CFO -9.14b <= Net Income 20.58b (YES >=105%, WARN >=100%) |
| Net Debt (169.67b) to EBITDA (22.57b) ratio: 7.52 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.25 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.27b) change vs 12m ago -6.29% (target <= -2.0% for YES) |
| Gross Margin 63.45% (prev 63.34%; Δ 0.11pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.24% (prev 6.37%; Δ -0.13pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.42 (EBITDA TTM 22.57b / Interest Expense TTM 40.62b) >= 6 (WARN >= 3) |
Altman Z'' -3.25
| (A) -0.58 = (Total Current Assets 379.43b - Total Current Liabilities 1528.70b) / Total Assets 1981.27b |
| (B) 0.11 = Retained Earnings (Balance) 221.31b / Total Assets 1981.27b |
| (C) 0.01 = EBIT TTM 16.94b / Avg Total Assets 1960.67b |
| (D) 0.12 = Book Value of Equity 221.08b / Total Liabilities 1798.32b |
| Total Rating: -3.25 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 56.78
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 1.30% = 0.65 |
| 3. FCF Margin 2.48% = 0.62 |
| 4. Debt/Equity 2.01 = 0.76 |
| 5. Debt/Ebitda 16.14 = -2.50 |
| 6. ROIC - WACC -1.44% = -1.81 |
| 7. RoE 11.36% = 0.95 |
| 8. Rev. Trend 77.70% = 3.88 |
| 9. Rev. CAGR 12.60% = 1.57 |
| 10. EPS Trend 71.79% = 1.79 |
| 11. EPS CAGR 23.60% = 2.36 |
What is the price of WFC shares?
Over the past week, the price has changed by +5.33%, over one month by -0.73%, over three months by +11.84% and over the past year by +46.84%.
Is Wells Fargo a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of WFC is around 97.39 USD . This means that WFC is currently undervalued and has a potential upside of +18.8% (Margin of Safety).
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 | 87 | 6.1% |
| Analysts Target Price | 81.1 | -1.1% |
| ValueRay Target Price | 105.7 | 28.9% |
Last update: 2025-08-23 05:05
WFC Fundamental Data Overview
CCE Cash And Equivalents = 379.43b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.3729
P/E Forward = 13.6799
P/S = 3.2122
P/B = 1.522
P/EG = 1.8011
Beta = 1.196
Revenue TTM = 122.33b USD
EBIT TTM = 16.94b USD
EBITDA TTM = 22.57b USD
Long Term Debt = 176.24b USD (from longTermDebt, last quarter)
Short Term Debt = 188.00b USD (from shortTermDebt, last quarter)
Debt = 364.23b USD (Calculated: Short Term 188.00b + Long Term 176.24b)
Net Debt = 169.67b USD (from netDebt column, last quarter)
Enterprise Value = 234.13b USD (249.32b + Debt 364.23b - CCE 379.43b)
Interest Coverage Ratio = 0.42 (Ebit TTM 16.94b / Interest Expense TTM 40.62b)
FCF Yield = 1.30% (FCF TTM 3.04b / Enterprise Value 234.13b)
FCF Margin = 2.48% (FCF TTM 3.04b / Revenue TTM 122.33b)
Net Margin = 16.82% (Net Income TTM 20.58b / Revenue TTM 122.33b)
Gross Margin = 63.45% ((Revenue TTM 122.33b - Cost of Revenue TTM 44.71b) / Revenue TTM)
Tobins Q-Ratio = 1.06 (Enterprise Value 234.13b / Book Value Of Equity 221.08b)
Interest Expense / Debt = 2.64% (Interest Expense 9.61b / Debt 364.23b)
Taxrate = 14.55% (from yearly Income Tax Expense: 3.40b / 23.36b)
NOPAT = 14.48b (EBIT 16.94b * (1 - 14.55%))
Current Ratio = 0.25 (Total Current Assets 379.43b / Total Current Liabilities 1528.70b)
Debt / Equity = 2.01 (Debt 364.23b / last Quarter total Stockholder Equity 181.11b)
Debt / EBITDA = 16.14 (Net Debt 169.67b / EBITDA 22.57b)
Debt / FCF = 120.0 (Debt 364.23b / FCF TTM 3.04b)
Total Stockholder Equity = 181.15b (last 4 quarters mean)
RoA = 1.04% (Net Income 20.58b, Total Assets 1981.27b )
RoE = 11.36% (Net Income TTM 20.58b / Total Stockholder Equity 181.15b)
RoCE = 4.74% (Ebit 16.94b / (Equity 181.15b + L.T.Debt 176.24b))
RoIC = 4.04% (NOPAT 14.48b / Invested Capital 358.50b)
WACC = 5.48% (E(249.32b)/V(613.56b) * Re(10.20%)) + (D(364.23b)/V(613.56b) * Rd(2.64%) * (1-Tc(0.15)))
Shares Correlation 5-Years: -100.0 | Cagr: -4.72%
Discount Rate = 10.20% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 61.39% ; FCFE base≈11.27b ; Y1≈7.40b ; Y5≈3.38b
Fair Price DCF = 15.15 (DCF Value 48.53b / Shares Outstanding 3.20b; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 77.70 | Revenue CAGR: 12.60%
Rev Growth-of-Growth: -21.15
EPS Correlation: 71.79 | EPS CAGR: 23.60%
EPS Growth-of-Growth: -6.64
Additional Sources for WFC Stock
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