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

Updated on August 29, 2025

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

Company Profile

TM trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, WFC is a standard domestic listing.

Symbol	TM	WFC
Company Name	Toyota Motor Corporation	Wells Fargo & Company
Country	Japan	United States
GICS Sector	Consumer Discretionary	Financials
GICS Industry	Automobiles	Banks
Market Capitalization	256.70 billion USD	264.28 billion USD
Exchange	NYSE	NYSE
Listing Date	March 17, 1980	June 1, 1972
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of TM 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.

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

Historical Performance at a Glance

Symbol	TM	WFC
5-Day Price Return	-1.31%	6.00%
13-Week Price Return	10.57%	11.50%
26-Week Price Return	4.51%	6.45%
52-Week Price Return	14.38%	45.45%
Month-to-Date Return	7.49%	2.32%
Year-to-Date Return	-7.87%	17.45%
10-Day Avg. Volume	22.70M	12.74M
3-Month Avg. Volume	28.85M	16.61M
3-Month Volatility	36.67%	23.88%
Beta	1.47	1.27

Profitability

Return on Equity (TTM)

TM

12.02%

Automobiles Industry

Max: 25.70%
Q3: 12.88%
Median: 6.92%
Q1: 0.71%
Min: -15.89%

TM’s Return on Equity of 12.02% is on par with the norm for the Automobiles industry, indicating its profitability relative to shareholder equity is typical for the sector.

WFC

11.36%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

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.

TM vs. WFC: A comparison of their Return on Equity (TTM) against their respective Automobiles and Banks industry benchmarks.

Net Profit Margin (TTM)

TM

8.82%

Automobiles Industry

Max: 9.92%
Q3: 5.78%
Median: 3.23%
Q1: 0.11%
Min: -5.31%

A Net Profit Margin of 8.82% places TM in the upper quartile for the Automobiles industry, signifying strong profitability and more effective cost management than most of its peers.

WFC

22.19%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
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.

TM vs. WFC: A comparison of their Net Profit Margin (TTM) against their respective Automobiles and Banks industry benchmarks.

Operating Profit Margin (TTM)

TM

9.60%

Automobiles Industry

Max: 13.07%
Q3: 7.22%
Median: 5.29%
Q1: 0.43%
Min: -4.46%

An Operating Profit Margin of 9.60% places TM in the upper quartile for the Automobiles industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

WFC

25.35%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

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.

TM vs. WFC: A comparison of their Operating Profit Margin (TTM) against their respective Automobiles and Banks industry benchmarks.

Profitability at a Glance

Symbol	TM	WFC
Return on Equity (TTM)	12.02%	11.36%
Return on Assets (TTM)	4.61%	1.06%
Net Profit Margin (TTM)	8.82%	22.19%
Operating Profit Margin (TTM)	9.60%	25.35%
Gross Profit Margin (TTM)	19.29%	--

Financial Strength

Current Ratio (MRQ)

TM

1.27

Automobiles Industry

Max: 2.19
Q3: 1.54
Median: 1.26
Q1: 1.09
Min: 0.48

TM’s Current Ratio of 1.27 aligns with the median group of the Automobiles 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.

TM vs. WFC: A comparison of their Current Ratio (MRQ) against their respective Automobiles and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

TM

1.07

Automobiles Industry

Max: 2.34
Q3: 1.13
Median: 0.58
Q1: 0.28
Min: 0.06

TM’s Debt-to-Equity Ratio of 1.07 is typical for the Automobiles industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

WFC

2.01

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

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

TM vs. WFC: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Automobiles and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

TM

Automobiles Industry

Max: 77.87
Q3: 42.86
Median: 13.88
Q1: 2.13
Min: -49.07

Interest Coverage Ratio data for TM is currently unavailable.

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.

TM vs. WFC: A comparison of their Interest Coverage Ratio (TTM) against their respective Automobiles and Banks industry benchmarks.

Financial Strength at a Glance

Symbol	TM	WFC
Current Ratio (MRQ)	1.27	--
Quick Ratio (MRQ)	1.11	--
Debt-to-Equity Ratio (MRQ)	1.07	2.01
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

TM 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

TM 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)

TM

3.09%

Automobiles Industry

Max: 10.71%
Q3: 5.39%
Median: 3.14%
Q1: 0.00%
Min: 0.00%

TM’s Dividend Yield of 3.09% is consistent with its peers in the Automobiles industry, providing a dividend return that is standard for its sector.

WFC

2.53%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

WFC’s Dividend Yield of 2.53% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

TM vs. WFC: A comparison of their Dividend Yield (TTM) against their respective Automobiles and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

TM

38.83%

Automobiles Industry

Max: 114.43%
Q3: 59.30%
Median: 37.15%
Q1: 16.40%
Min: 0.00%

TM’s Dividend Payout Ratio of 38.83% is within the typical range for the Automobiles industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

WFC

31.00%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
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.

TM vs. WFC: A comparison of their Dividend Payout Ratio (TTM) against their respective Automobiles and Banks industry benchmarks.

Dividend at a Glance

Symbol	TM	WFC
Dividend Yield (TTM)	3.09%	2.53%
Dividend Payout Ratio (TTM)	38.83%	31.00%

Valuation

Price-to-Earnings Ratio (TTM)

TM

8.93

Automobiles Industry

Max: 27.69
Q3: 19.99
Median: 9.85
Q1: 6.60
Min: 4.25

TM’s P/E Ratio of 8.93 is within the middle range for the Automobiles industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

WFC

12.27

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

WFC’s P/E Ratio of 12.27 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.

TM vs. WFC: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Automobiles and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

TM

0.79

Automobiles Industry

Max: 1.52
Q3: 0.84
Median: 0.41
Q1: 0.23
Min: 0.08

TM’s P/S Ratio of 0.79 aligns with the market consensus for the Automobiles 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: 5.06
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.

TM vs. WFC: A comparison of their Price-to-Sales Ratio (TTM) against their respective Automobiles and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

TM

1.09

Automobiles Industry

Max: 4.25
Q3: 2.00
Median: 0.87
Q1: 0.46
Min: 0.19

TM’s P/B Ratio of 1.09 is within the conventional range for the Automobiles 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: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

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.

TM vs. WFC: A comparison of their Price-to-Book Ratio (MRQ) against their respective Automobiles and Banks industry benchmarks.

Valuation at a Glance

Symbol	TM	WFC
Price-to-Earnings Ratio (TTM)	8.93	12.27
Price-to-Sales Ratio (TTM)	0.79	1.91
Price-to-Book Ratio (MRQ)	1.09	1.42
Price-to-Free Cash Flow Ratio (TTM)	52.42	16.66