WFC Stock Analysis: Wells Fargo | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 263.758m USD | 12M Return: 7.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.36B
EPS Trend: 89.7%
Qual. Beats: 1
Rev. Trend: 75.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
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: 22.6b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.16 > 1.0 |
| NWC/Revenue: -693.5% < 20% (prev -896.6%; Δ 203.2% < -1%) |
| CFO/TA 0.00 > 3% & CFO 1.18b > Net Income 22.6b |
| Net Debt (-481b) to EBITDA (31.5b): -15.27 < 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 |
As of July 28, 2026, the stock is trading at USD 87.27 with a total of 7,119,469 shares traded. Over the past week, the price has changed by +1.09%, over one month by +4.50%, over three months by +8.95% and over the past year by +7.36%.
Current recommended Stop Loss: 84.20 (which is 3.5% or 1.5 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 | 100.1 | 14.7% |
P/E Trailing = 12.5641
P/E Forward = 12.0919
P/S = 3.1768
P/B = 1.5877
P/EG = 1.6333
Revenue TTM = 129b USD
EBIT TTM = 27.3b USD
EBITDA TTM = 31.5b USD
Long Term Debt = 175b USD (from longTermDebt, last fiscal year)
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 = 264b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.65 (Ebit TTM 27.3b / Interest Expense TTM 42.1b)
EV/FCF = 223.7x (Enterprise Value 264b / FCF TTM 1.18b)
FCF Yield = 0.45% (FCF TTM 1.18b / Enterprise Value 264b)
FCF Margin = 0.91% (FCF TTM 1.18b / 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 = 0.12 (Enterprise Value 264b / 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 = -15.27 (Net Debt -481b / EBITDA 31.5b)
Debt / FCF = -407.6 (out of range, set to none) (Net Debt -481b / FCF TTM 1.18b)
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 = 7.70% (EBIT 27.3b / Capital Employed (Equity 180b + L.T.Debt 175b))
RoIC = 3.18% (NOPAT 22.8b / Invested Capital 718b)
WACC = 8.26% (E(264b)/V(723b) * Re(9.32%) + D(459b)/V(723b) * Rd(9.16%) * (1-Tc(0.17)))
Discount Rate = 9.32% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.95 | Cagr: -6.70%
[DCF] Terminal Value 73.10% ; FCFF base≈2.36b ; Y1≈2.07b ; Y5≈1.67b
[DCF] Fair Price = 165.8 (EV 26.8b - Net Debt -481b = Equity 507b / Shares 3.06b; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 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=1.83 | Chg30d=+0.86% | Revisions=+38% | Analysts=19
EPS current Year (2026-12-31): EPS=7.26 | Chg30d=+3.70% | Revisions=+17% | GrowthEPS=+16.0% | GrowthRev=+6.2%
EPS next Year (2027-12-31): EPS=7.95 | Chg30d=+0.80% | Revisions=+17% | GrowthEPS=+9.5% | GrowthRev=+4.5%
[Analyst] Revisions Ratio: +36% (up=8, down=3)