Wells Fargo & Company

$ 82.21 -1.91 %

Wells Fargo & Company is a prominent global financial institution, offering a broad spectrum of services that encompass banking, investment management, mortgage lending, and various consumer and commercial finance solutions throughout the United States and internationally. Its operations are structured into four key divisions: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management. The Consumer Banking and Lending division caters to individual customers and small enterprises, providing a range of financial offerings. These include fundamental services like checking and savings accounts, credit and debit cards, and diverse loan products for homes, vehicles, personal use, and small business expansion. The Commercial Banking segment focuses on delivering financial solutions to private, family-owned, and select publicly traded companies. This involves comprehensive banking and credit services for various industries and municipal entities, alongside secured lending, leasing options, and treasury management support. For corporate, commercial real estate, government, and institutional clients, the Corporate and Investment Banking division delivers an extensive portfolio of capital markets, banking, and financial products. Key services include corporate and investment banking, treasury management, commercial real estate lending and servicing, equity and fixed income strategies, complemented by robust sales, trading, and research support. Finally, the Wealth and Investment Management segment specializes in offering personalized wealth management, brokerage services, financial planning, lending, private banking, and trust and fiduciary solutions. These are primarily targeted at affluent, high-net-worth, and ultra-high-net-worth individuals, often delivered through a network of financial advisors. Established in 1852, Wells Fargo & Company maintains its headquarters in San Francisco, California.

CEO: Charles W. Scharf - https://www.wellsfargo.com

Price objectif

$99.38 20.89 %

Recommandation

Hold

DCF

$ 116.19

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WFC vs S&P500

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Quick ratio

0.34

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

12.42

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

6.62

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

12.04 %

reflects reasonable profitability, showing good use of equity.

ROIC

3.11 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

8.15

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

2.53

means it relies more on debt, which can increase financial risk.

Free cash flow per share

0.37

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

30.15 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
5 indicates moderate financial health
Altman score
-0.32 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.10 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.20 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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