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Wells Fargo (WFC) Stock Analysis

This is a peer-relative look at Wells Fargo (WFC): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Wells Fargo (WFC)
Profile ItemWFC
NameWells Fargo & Company
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupBanks
GICS IndustryBanks
GICS Sub-IndustryDiversified Banks
Market Capitalization268.50 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateJune 1, 1972
Security TypeCommon Stock

Price Performance

Cumulative Growth

WFC
GSPC
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Wells Fargo (WFC) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Wells Fargo (WFC) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Wells Fargo (WFC) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Wells Fargo (WFC) metric values compared with Banks industry-group medians
MetricCurrent stock: WFCIndustry group median
Total Return (1Y)11.69%29.50%
Total Return (3Y, Annualized)27.19%22.98%
Total Return (5Y, Annualized)16.66%12.20%

Risk Profile

Drawdown History

WFC
GSPC
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Wells Fargo (WFC) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Wells Fargo (WFC) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Wells Fargo (WFC) metric values compared with Banks industry-group medians
MetricCurrent stock: WFCIndustry group median
Volatility (1Y, Annualized)26.65%26.39%
Beta (5Y)0.920.72
Max Drawdown (5Y)-37.10%-43.52%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. WFC is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Wells Fargo (WFC) metric values compared with Banks industry-group medians
MetricCurrent stock: WFCIndustry group median
Sharpe Ratio (1Y)0.290.96
Sortino Ratio (1Y)0.411.43

Profitability

ROE (TTM)

Wells Fargo (WFC) posts ROE of 12.58%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

WFC

Banks industry group

12.58%

Group distribution
Max
19.84%
Q3
13.14%
WFC
12.58%
Median
10.82%
Q1
8.64%
Min
3.15%
Largest peers
JPM
17.79%
RY
16.20%
WFC
12.58%
HSBC
11.61%
BAC
11.20%
MUFG
9.40%
C
8.53%
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Where Wells Fargo (WFC) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Wells Fargo (WFC) keeps 27.23% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

WFC

Banks industry group

27.23%

Group distribution
Max
47.55%
Q3
34.66%
Median
30.25%
WFC
27.23%
Q1
25.91%
Min
12.81%
Largest peers
HSBC
34.98%
JPM
34.92%
RY
33.69%
BAC
29.52%
WFC
27.23%
MUFG
25.77%
C
21.83%
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Where Wells Fargo (WFC) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Wells Fargo (WFC) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Wells Fargo (WFC) metric values compared with Banks industry-group medians
MetricCurrent stock: WFCIndustry group median
ROE (TTM)12.58%10.82%
ROA (TTM)1.08%1.16%
Net Margin (TTM)27.23%30.25%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Wells Fargo (WFC) grew revenue 1.70%, in the lower peer quartile. The top line is expanding more slowly than at most peers, which can reflect softer demand, lost share, or weaker pricing.

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Wells Fargo (WFC): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

Wells Fargo (WFC) grew earnings per share 16.57%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Wells Fargo (WFC): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

Wells Fargo (WFC) metric values compared with Banks industry-group medians
MetricCurrent stock: WFCIndustry group median
Revenue Growth (YoY)1.70%11.31%
Revenue Growth (3Y CAGR)4.02%6.24%
EPS Growth (YoY)16.57%15.83%
EPS Growth (3Y CAGR)25.86%3.17%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Wells Fargo (WFC) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Wells Fargo (WFC) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Wells Fargo (WFC) metric values compared with Banks industry-group medians
MetricCurrent stock: WFCIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Wells Fargo (WFC) has dividend yield of 2.09%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

WFC

Banks industry group

2.09%

Group distribution
Max
6.20%
Q3
3.10%
Median
2.21%
WFC
2.09%
Q1
1.00%
Min
0.00%
Largest peers
MUFG
401.68%
RY
3.02%
WFC
2.09%
C
1.86%
BAC
1.85%
JPM
1.77%
HSBC
0.76%
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Where Wells Fargo (WFC) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Wells Fargo (WFC) has payout ratio of 26.16%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

WFC

Banks industry group

26.16%

Group distribution
Max
74.89%
Q3
42.28%
Median
28.91%
WFC
26.16%
Q1
19.60%
Min
0.00%
Largest peers
HSBC
61.98%
RY
41.35%
WFC
26.16%
BAC
25.87%
C
25.86%
JPM
25.71%
MUFG
15.74%
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Where Wells Fargo (WFC) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Wells Fargo (WFC) metric values compared with Banks industry-group medians
MetricCurrent stock: WFCIndustry group median
Dividend Yield (TTM)2.09%2.21%
Dividend Payout Ratio (TTM)26.16%28.91%

Valuation

P/E Ratio (TTM)

Wells Fargo (WFC) trades at P/E ratio of 12.55, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

WFC

Banks industry group

12.55

Group distribution
Max
21.86
Q3
15.93
Median
13.25
WFC
12.55
Q1
11.80
Min
6.78
Largest peers
RY
19.42
HSBC
16.36
MUFG
16.26
JPM
14.51
BAC
13.95
C
13.87
WFC
12.55
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Where Wells Fargo (WFC) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Wells Fargo (WFC) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Wells Fargo (WFC) trades at 1.65 on P/B ratio, in the higher book-value quartile. The market is paying a premium to book, so stronger ROE, cleaner assets, or a better growth profile need to justify it.

WFC

Banks industry group

1.65

Group distribution
Max
2.34
WFC
1.65
Q3
1.64
Median
1.36
Q1
1.16
Min
0.68
Largest peers
HSBC
7.95
RY
3.21
JPM
2.60
MUFG
2.07
WFC
1.65
BAC
1.56
C
1.16
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Where Wells Fargo (WFC) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Wells Fargo (WFC) metric values compared with Banks industry-group medians
MetricCurrent stock: WFCIndustry group median
P/E Ratio (TTM)12.5513.25
P/S Ratio (TTM)----
P/B Ratio (MRQ)1.651.36
Free Cash Flow Yield (TTM)----