Wells Fargo & (WFC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Wells Fargo &

NYSE•Financial Services•Banks - Diversified

$85.53-0.36(<0.01%)After hours

Market Cap

$257.94B

P/E

11.2x

P/S

3.0x

P/B

1.5x

Wells Fargo & Company, a financial services company, provides diversified banking, investment, mortgage, and consumer and commercial finance products and services in the United States and internationally. It operates through four segments: Consumer Banking and Lending; Commercial Banking; Corporate and Investment Banking; and Wealth and Investment Management. The company's financial products and services includes checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. It also provides personalized wealth management, brokerage, financial planning, lending, private banking, trust and fiduciary products and services; and financial solutions to private, family owned and public companies through products and services including banking and credit products across multiple industry sectors and municipalities, secured lending and lease products, and treasury management. In addition, it offers a suite of capital markets, banking, and financial products and services, such as corporate banking, investment banking, treasury management, commercial real estate lending and servicing, equity, and fixed income solutions, as well as sales, trading, and research capabilities services to corporate, commercial real estate, government, and institutional clients. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.

How this company scores

GoodMetricSide Score: 71/100

Strongest: Profitability (20/25); weakest: Balance Sheet & Red Flags (14/25).

Profitability20/25

Growth19/25

Balance Sheet & Red Flags14/25

Cash & Earnings Quality18/25

Strengths

Strong marginsProfit converts from growthConsistent growthNo share dilution

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.2x5y range 8.0x – 13.8x

Currently near its 20-quarter median.

P/S · 3.0x5y range 1.8x – 3.5x

Currently near its 20-quarter median.

P/B · 1.5x5y range 0.8x – 1.6x

Currently above its 20-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Cash Burn

Watch

FCF turned negative in 3 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $257.94B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $87.23B
Q. Revenue: $21.87B
TTM EBITDA: $29.32B
TTM Op. Income: $27.65B
Q. Op. Income: $7.10B
TTM Net Income: $22.97B
Q. Net Income: $5.95B
EPS: $1.89
Shares Out.: $3.02B

$87.23B in TTM revenue grew 5.4% YoY, reaching $21.87B last quarter. TTM EBITDA of $29.32B and TTM operating income of $27.65B show growth is flowing through to the bottom line. TTM net income of $22.97B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 6 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 40.9%
Op. Margin: 32.5%
Net Margin: 27.2%

Op. margin of 32.5% is up 0.2% YoY — cost efficiency is improving. Net margin at 27.2% Over the past year, operating margin is up 1% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.2x
P/S Ratio: 3.0x
P/B Ratio: 1.5x

At 11.2x P/E, the stock trades below typical market levels. P/S of 3.0x and P/B of 1.5x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 12% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.25T
Cash: $179.36B
Long-Term Debt: $182.85B
Book Value: $175.76B
D/E Ratio: 1.0
Debt/EBITDA: 20.5

With $2.25T in assets and $182.85B in long-term debt, D/E is 1.0and book value is $175.76B — moderate leverage. Over the past year, debt/equity is up 6% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $8.87B
TTM Free Cash Flow: $28.91B
FCF Margin: 33.1%
FCF / Net Income: 1.3

TTM FCF of $28.91B on $8.87B in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.