Wells Fargo & Company

Finance
Major Banks
www.wellsfargo.com

Earnings Score
Moat Score

Market Cap $251.59B
PE 15
Debt $293.91B
Cash $184.13B
EV $361.37B
FCF $NaN

Earnings

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Sales & Net Margins

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Earnings	$16.97B
EBIT	$21.39B
ROE	9%
ROA	1%
Equity	$185.01B
Growth Stability	9%
PE	14.83
PEG	0.48
PB	1.36
P/S	3.05
Price/Cash	0.73
Debt/Equity	1.59
Net Margins	22%
Op. Margins	26%
Earnings CAGR	-5%
Sales Growth YoY	-2%
Sales Growth QoQ	-2%
Sales CAGR	-1%
Equity CAGR	-1%
Earnings Stability	0.05
Earnings Growth YoY	-11%
Earnings Growth QoQ	5%

Earnings CAGR 5Y	31%
Sales CAGR 5Y	1%
Equity CAGR 5Y	-0%
Earnings CAGR 3Y	4%
Sales CAGR 3Y	4%
Equity CAGR 3Y	-0%
Market Cap	$251.59B
Revenue	$82.40B
Dividend Yield	2%
Payout Ratio	30%
Assets	$1.92T
Total Debt	$293.91B
Cash	$184.13B
Shares Outstanding	3.38B
EV	361.37B
Earnings Score	6%
Moat Score	67%
Shares Growth 3y	-5%
Equity Growth QoQ	4%
Equity Growth YoY	1%

Assets & ROA

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Stockholders Equity & ROE

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Wells Fargo is one of the largest banks in the United States, with approximately $1.9 trillion in balance sheet assets. The company is split into four primary segments: consumer banking, commercial banking, corporate and investment banking, and wealth and investment management.

SEC Filings

Direct access to Wells Fargo & Company (WFC) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Wells Fargo & Company compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Wells Fargo & Company compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR -5%

Stability 5%

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Wells Fargo & Company Discounted Cash Flow

Fully customizable DCF calculator online for Wells Fargo & Company.

Years

Calculation mode

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	23%	23%	24%	21%	2%	26%	16%	22%	22%
ROA	-	2%	2%	1%	2%	1%	0%	1%	1%	1%	1%
ROE	-	11%	10%	10%	10%	10%	1%	11%	7%	10%	9%

Good Net Margins (22.3%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-	-
Debt over Equity	1.34	1.53	1.75	1.58	1.7	1.77	1.46	1.03	1.24	1.59	1.59
Growth Stability	-	-	-	97%	99%	87%	9%	100%	91%	100%	9%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Bad Debt/Equity ratio (1.59)

The company is overleveraged and has a bad balance between equity and debt.

Bad Graham’s Stability (9%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	0%	-2%	-2%	-15%	9%	-6%	12%	1%
Earnings YoY growth	-	-2%	-5%	1%	1%	-13%	-90%	1K%	-40%	49%	31%
Equity YoY growth	-	5%	3%	4%	-5%	-5%	-1%	2%	-4%	3%	-0%
FCF YoY growth	-	-	-	-	-	-	-	-	-	-	-