CVX vs. WFC: A Head-to-Head Stock Comparison

Updated on October 4, 2025

Here’s a clear look at CVX and WFC, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	CVX	WFC
Company Name	Chevron Corporation	Wells Fargo & Company
Country	United States	United States
GICS Sector	Energy	Financials
GICS Industry	Oil, Gas & Consumable Fuels	Banks
Market Capitalization	322.69 billion USD	272.32 billion USD
Exchange	NYSE	NYSE
Listing Date	January 2, 1962	June 1, 1972
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of CVX and WFC by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

CVX vs. WFC: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	CVX	WFC
5-Day Price Return	-2.44%	-4.09%
13-Week Price Return	8.45%	-0.76%
26-Week Price Return	-7.55%	11.88%
52-Week Price Return	6.74%	43.16%
Month-to-Date Return	-3.31%	-3.52%
Year-to-Date Return	7.21%	15.13%
10-Day Avg. Volume	7.68M	14.36M
3-Month Avg. Volume	9.39M	15.91M
3-Month Volatility	19.62%	24.42%
Beta	0.83	1.14

Profitability

Return on Equity (TTM)

CVX

9.08%

Oil, Gas & Consumable Fuels Industry

Max: 27.06%
Q3: 16.37%
Median: 10.02%
Q1: 5.32%
Min: -8.98%

CVX’s Return on Equity of 9.08% is on par with the norm for the Oil, Gas & Consumable Fuels industry, indicating its profitability relative to shareholder equity is typical for the sector.

WFC

11.36%

Banks Industry

Max: 25.40%
Q3: 15.55%
Median: 12.00%
Q1: 8.98%
Min: -0.10%

WFC’s Return on Equity of 11.36% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

CVX vs. WFC: A comparison of their Return on Equity (TTM) against their respective Oil, Gas & Consumable Fuels and Banks industry benchmarks.

Net Profit Margin (TTM)

CVX

7.31%

Oil, Gas & Consumable Fuels Industry

Max: 48.48%
Q3: 21.05%
Median: 9.42%
Q1: 1.67%
Min: -26.95%

CVX’s Net Profit Margin of 7.31% is aligned with the median group of its peers in the Oil, Gas & Consumable Fuels industry. This indicates its ability to convert revenue into profit is typical for the sector.

WFC

22.19%

Banks Industry

Max: 54.20%
Q3: 35.73%
Median: 28.97%
Q1: 22.56%
Min: 6.98%

Falling into the lower quartile for the Banks industry, WFC’s Net Profit Margin of 22.19% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

CVX vs. WFC: A comparison of their Net Profit Margin (TTM) against their respective Oil, Gas & Consumable Fuels and Banks industry benchmarks.

Operating Profit Margin (TTM)

CVX

10.58%

Oil, Gas & Consumable Fuels Industry

Max: 62.28%
Q3: 31.04%
Median: 18.00%
Q1: 5.41%
Min: -32.54%

CVX’s Operating Profit Margin of 10.58% is around the midpoint for the Oil, Gas & Consumable Fuels industry, indicating that its efficiency in managing core business operations is typical for the sector.

WFC

25.35%

Banks Industry

Max: 63.35%
Q3: 44.73%
Median: 37.24%
Q1: 28.25%
Min: 12.28%

WFC’s Operating Profit Margin of 25.35% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

CVX vs. WFC: A comparison of their Operating Profit Margin (TTM) against their respective Oil, Gas & Consumable Fuels and Banks industry benchmarks.

Profitability at a Glance

Symbol	CVX	WFC
Return on Equity (TTM)	9.08%	11.36%
Return on Assets (TTM)	5.36%	1.06%
Net Profit Margin (TTM)	7.31%	22.19%
Operating Profit Margin (TTM)	10.58%	25.35%
Gross Profit Margin (TTM)	38.18%	--

Financial Strength

Current Ratio (MRQ)

CVX

1.00

Oil, Gas & Consumable Fuels Industry

Max: 2.60
Q3: 1.63
Median: 1.22
Q1: 0.86
Min: 0.30

CVX’s Current Ratio of 1.00 aligns with the median group of the Oil, Gas & Consumable Fuels industry, indicating that its short-term liquidity is in line with its sector peers.

WFC

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CVX vs. WFC: A comparison of their Current Ratio (MRQ) against their respective Oil, Gas & Consumable Fuels and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

CVX

0.20

Oil, Gas & Consumable Fuels Industry

Max: 2.16
Q3: 1.06
Median: 0.53
Q1: 0.25
Min: 0.00

Falling into the lower quartile for the Oil, Gas & Consumable Fuels industry, CVX’s Debt-to-Equity Ratio of 0.20 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.

WFC

2.01

Banks Industry

Max: 5.78
Q3: 2.66
Median: 1.05
Q1: 0.40
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

CVX vs. WFC: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Oil, Gas & Consumable Fuels and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

CVX

-5.38

Oil, Gas & Consumable Fuels Industry

Max: 51.08
Q3: 22.26
Median: 7.32
Q1: 2.72
Min: -19.25

CVX has a negative Interest Coverage Ratio of -5.38. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.

WFC

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

CVX vs. WFC: A comparison of their Interest Coverage Ratio (TTM) against their respective Oil, Gas & Consumable Fuels and Banks industry benchmarks.

Financial Strength at a Glance

Symbol	CVX	WFC
Current Ratio (MRQ)	1.00	--
Quick Ratio (MRQ)	0.63	--
Debt-to-Equity Ratio (MRQ)	0.20	2.01
Interest Coverage Ratio (TTM)	-5.38	--

Growth

Revenue Growth

CVX vs. WFC: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

CVX vs. WFC: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

CVX

3.72%

Oil, Gas & Consumable Fuels Industry

Max: 12.74%
Q3: 7.02%
Median: 4.37%
Q1: 2.64%
Min: 0.00%

CVX’s Dividend Yield of 3.72% is consistent with its peers in the Oil, Gas & Consumable Fuels industry, providing a dividend return that is standard for its sector.

WFC

2.41%

Banks Industry

Max: 11.03%
Q3: 6.00%
Median: 3.87%
Q1: 2.41%
Min: 0.00%

WFC’s Dividend Yield of 2.41% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

CVX vs. WFC: A comparison of their Dividend Yield (TTM) against their respective Oil, Gas & Consumable Fuels and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

CVX

85.58%

Oil, Gas & Consumable Fuels Industry

Max: 188.73%
Q3: 95.12%
Median: 63.48%
Q1: 28.55%
Min: 0.00%

CVX’s Dividend Payout Ratio of 85.58% is within the typical range for the Oil, Gas & Consumable Fuels industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

WFC

31.00%

Banks Industry

Max: 134.24%
Q3: 79.39%
Median: 55.09%
Q1: 36.09%
Min: 0.00%

WFC’s Dividend Payout Ratio of 31.00% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

CVX vs. WFC: A comparison of their Dividend Payout Ratio (TTM) against their respective Oil, Gas & Consumable Fuels and Banks industry benchmarks.

Dividend at a Glance

Symbol	CVX	WFC
Dividend Yield (TTM)	3.72%	2.41%
Dividend Payout Ratio (TTM)	85.58%	31.00%

Valuation

Price-to-Earnings Ratio (TTM)

CVX

23.00

Oil, Gas & Consumable Fuels Industry

Max: 34.98
Q3: 21.60
Median: 13.15
Q1: 8.17
Min: 2.22

A P/E Ratio of 23.00 places CVX in the upper quartile for the Oil, Gas & Consumable Fuels industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

WFC

12.84

Banks Industry

Max: 22.69
Q3: 13.75
Median: 10.32
Q1: 7.73
Min: 2.59

WFC’s P/E Ratio of 12.84 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

CVX vs. WFC: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Oil, Gas & Consumable Fuels and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

CVX

1.68

Oil, Gas & Consumable Fuels Industry

Max: 4.68
Q3: 2.73
Median: 1.36
Q1: 0.54
Min: 0.12

CVX’s P/S Ratio of 1.68 aligns with the market consensus for the Oil, Gas & Consumable Fuels industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

WFC

1.91

Banks Industry

Max: 4.90
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

CVX vs. WFC: A comparison of their Price-to-Sales Ratio (TTM) against their respective Oil, Gas & Consumable Fuels and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

CVX

1.71

Oil, Gas & Consumable Fuels Industry

Max: 3.63
Q3: 2.11
Median: 1.23
Q1: 0.91
Min: 0.34

CVX’s P/B Ratio of 1.71 is within the conventional range for the Oil, Gas & Consumable Fuels industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

WFC

1.42

Banks Industry

Max: 2.09
Q3: 1.40
Median: 1.11
Q1: 0.86
Min: 0.29

WFC’s P/B Ratio of 1.42 is in the upper tier for the Banks industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

CVX vs. WFC: A comparison of their Price-to-Book Ratio (MRQ) against their respective Oil, Gas & Consumable Fuels and Banks industry benchmarks.

Valuation at a Glance

Symbol	CVX	WFC
Price-to-Earnings Ratio (TTM)	23.00	12.84
Price-to-Sales Ratio (TTM)	1.68	1.91
Price-to-Book Ratio (MRQ)	1.71	1.42
Price-to-Free Cash Flow Ratio (TTM)	19.59	17.44