Stock Analysis
Wells Fargo & Co.WFC
P/E 11.22×· 5Y range 7.07–15.61×· 56th percentile of history
Sector: Financial Services · Industry: Banks
AnalystsBuy30 analystsP/E 11.2× sits at the 56th percentile of its 5.0978781656399725-year history.
Cash covers 42% of debt · Q2 2026.
PMP Verdict
Weak fundamentals
Strengths
- Profitability67
Risks
- Financial Health18
- Growth23
Weak fundamentals — valuation is the only support.
What's happening with WFC
Profile
financial health, growth, moat and earnings quality lag behind.
How is each axis scored?
- Valuation54/100 · Moderate
- P/E vs own history (56th pct)12/25
- FCF yield (n/a)10/25
- P/S (2.9x)20/25
- EV/EBIT (21.0x)12/25
- Growth23/100 · Weak
- Revenue CAGR (1.6%)6/25
- Net income CAGR (-0.2%)0/25
- EPS CAGR 5Y (5.8%)12/25
- Fwd implied growth (0.2%)5/25
- Profitability67/100 · Moderate
- ROIC (4.3%)5/25
- ROE (12.4%)12/25
- Net margin (26.0%)25/25
- Operating margin (29.0%)25/25
- Financial Health18/100 · Weak
- Altman Z (0.16)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.5x)3/25
- Net cash / debt (D/A 12%)12/25
- Quality42/100 · Weak
- Piotroski F (4/9)10/25
- Beneish M (-2.26)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 9.9%)12/25
- Moat25/100 · Weak
- ROIC >12% years (2/9 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 17.9%)25/25
Risk Flags
- ⚠Altman Z 0.2 — distress-zone balance sheet
- ⚠Interest coverage 0.5× — thin debt cushion
About Wells Fargo & Co.
Wells Fargo is a premier, North American-focused banking titan that commands a $2. Show more
2 trillion balance sheet and the third-highest deposit market share in the United States. The bank uses a dense, expansive network of 4,093 branches to champion retail consumers and the middle market, where the firm has built a particularly strong reputation. Following the removal of its federal asset cap in 2025, the firm is set to deploy its legacy excess liquidity to expand each of its four segments: consumer & business lending, commercial banking, corporate & investment banking, and wealth & investment management.
Headquarters: SAN FRANCISCO, CA · Employees: 197,466 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
54CP/E (TTM)11.2xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 7.1x–15.6x · 56th pct
P/FCF11.9xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield8.4%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)2.90xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.8x–3.8x · 65th pct
EV/EBIT21.0xC
Grade C: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 2.7x–21.9x · 88th pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.2xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.38xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.89A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.76%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio29.1%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
67BROIC4.3%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE12.4%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.0%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin26.0%A
Grade A: HighNet Income / Revenue
Operating Margin29.0%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
23ERevenue CAGR1.6%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-0.2%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)5.8%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth0.2%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-27.4%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
18EAltman Z-Score0.16D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.5xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT11.0xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity2.62xD
Grade D: HighDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.42xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
42D+Piotroski F-Score4/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.26A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability9.9%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Hewett Wayne M. Filed | Hewett Wayne M. | Grant / award | +452 | |
BLACK STEVEN D Filed | BLACK STEVEN D | Grant / award | +1.2K | |
SARGENT RONALD Filed | SARGENT RONALD | Grant / award | +530 | |
Flowers Derek A. Filed | Flowers Derek A. | Gift | +68.0K | |
Flowers Derek A. Filed | Flowers Derek A. | Gift | -67966 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Hewett Wayne M. Filed | Hewett Wayne M. | Grant / award | +422 | |
BLACK STEVEN D Filed | BLACK STEVEN D | Grant / award | +1.1K | |
SARGENT RONALD Filed | SARGENT RONALD | Grant / award | +495 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
25EROIC >12% Years2/9 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor17.9%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$7.48
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$8.47
Cash & short-term investments per share (Finnhub)
Book Value / Share$58.55
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$478.47B
Total debt obligations (short + long term)
Cash & Equiv.$200.46B
Cash and short-term investments
Net Debt$278.01B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$182.32B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$251.29B
Current Market Capitalization
Beta0.95B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Wells Fargo & Co. (WFC)
WFC is up 1.35% at the last close. Piotroski F-Score of 4/9 indicates mixed fundamentals for Wells Fargo & Co.. Altman Z-Score of 0.16 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.26 suggests a low likelihood of earnings manipulation.
- Interest coverage of 0.5× leaves little room for earnings shocks.
- The stock currently yields 2.8% in dividends.
See how WFC ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Oct 13, 2026 | After-Hrs | $1.87 | $1.87 | -0.1% | $22.5B | $21.9B |
Recent Market Moves
See all WFC moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Sep 22 | Regular | 83.62 | -3.38% | -2.58 |
| Sep 22 | After-hours | 83.32 | -3.72% | -2.84 |
Frequently Asked Questions about WFC
What is the current Wells Fargo & Co. (WFC) stock price?
WFC is trading at $83.87 at the last market close, up 1.35% on the session. PreMarketPrice tracks WFC pre-market, intraday and after-hours prices.
Is WFC stock a buy right now?
PreMarketPrice's quantitative model rates Wells Fargo & Co.'s financial health at 18/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is WFC stock overvalued?
Wells Fargo & Co. trades at a trailing P/E of 11.2 and our valuation score rates it 54/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Wells Fargo & Co. report earnings?
No confirmed earnings date is currently scheduled for WFC. The Earnings section lists recent reports and updates as dates are announced.
What sector does Wells Fargo & Co. operate in?
Wells Fargo & Co. operates in the Financial Services sector, within the Banks industry. The Related Stocks section lists sector peers for comparison.
What does Wells Fargo & Co. do?
Wells Fargo is a premier, North American-focused banking titan that commands a $2.
About Wells Fargo & Co. (WFC) Stock
Wells Fargo & Co. (WFC) is a US-listed stock operating in the Financial Services sector, specifically the Banks industry. As of the latest update, Wells Fargo & Co. is trading at $83.87, up 1.35% on the day with a market capitalization of $251.3 billion. The financial health score for WFC is 18/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for WFC stock.
WFC Stock Analysis & Key Metrics
On PreMarketPrice, you can track Wells Fargo & Co. (WFC) across multiple dimensions:
- Pre-market price & movement: Real-time WFC stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for WFC, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for WFC with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Wells Fargo & Co. across multiple reporting periods.
- Financial health score: A composite score of 18/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for WFC.
- Sector peers: Compare WFC against 6 other financial services stocks on key financial metrics.
Is WFC a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Wells Fargo & Co. (WFC) as an investment. The financial health score of 18/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Wells Fargo & Co. (WFC) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.