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Earnings transcript
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WFC
Wells Fargo & Company
$80.6
0.03
(0.04%)
| Exchange: | NYSE |
| Market Cap: | 248.703B |
| Shares Outstanding: | 697.037M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Diversified | |||||
| CEO: | Charles W. Scharf | |||||
| Full Time Employees: | 217000 | |||||
| Address: |
| |||||
| Website: | https://www.wellsfargo.com |
Wells Fargo & Company, a diversified financial services company, provides 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 Consumer Banking and Lending segment offers diversified financial products and services for consumers and small businesses. Its financial products and services include checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. The Commercial Banking segment provides financial solutions to private, family owned, and certain public companies. Its products and services include banking and credit products across various industry sectors and municipalities, secured lending and lease products, and treasury management services. The Corporate and Investment Banking segment offers a suite of capital markets, banking, and financial products and services to corporate, commercial real estate, government, and institutional clients. Its products and services comprise 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. The Wealth and Investment Management segment provides personalized wealth management, brokerage, financial planning, lending, private banking, and trust and fiduciary products and services to affluent, high-net worth, and ultra-high-net worth clients. It also operates through financial advisors. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 115,340,000 | 125,397,000 | 123,529,000 |
| Gross Profit | 77,198,000 | 77,962,000 | 80,041,000 |
| EBITDA | 27,907,000 | 30,922,000 | 29,346,000 |
| Operating Income | 21,636,000 | 23,364,000 | 25,199,000 |
| Net Income | 19,142,000 | 19,722,000 | 21,338,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 1,932,468,000 | 1,929,845,000 | 2,148,631,000 |
| Total Liabilities | 1,745,025,000 | 1,748,779,000 | 1,965,593,000 |
| Total Stockholders Equity | 185,735,000 | 179,120,000 | 181,117,000 |
| Total Debt | 297,147,000 | 281,884,000 | 193,035,000 |
| Cash and Cash Equivalents | 237,219,000 | 203,361,000 | 39,182,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 40,358,000 | 3,035,000 | -19,001,000 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 40,358,000 | 3,035,000 | -19,001,000 |
| Net Income | 19,142,000 | 19,965,000 | 21,358,000 |
| Net Change in Cash | 76,895,000 | -34,150,000 | -29,309,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 97,428,890.037 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 97,615,806.872 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 97,522,348.455 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 28,178,241.447 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 28,232,301.261 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 28,205,271.354 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 22,858,114.829 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 32,347,707.436 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 24,279,142.750 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 35,274,867.313 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 35,342,541.968 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 35,308,704.641 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 9.220 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 10.050 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 7.100 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 3 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 8 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: Wells Fargo reported robust results in Q3 2025, with key financial metrics such as revenue, net income, and EPS exceeding analyst expectations, as highlighted in the earnings call transcript. This indicates operational resilience and effective cost management.
- Solid Balance Sheet Metrics: The balance sheet data reflects healthy liquidity with significant cash and cash equivalents, alongside a balanced debt-to-equity ratio (TTM). This financial stability supports the company's ability to weather economic fluctuations.
- Positive Free Cash Flow: Cash flow statements show consistent free cash flow generation (TTM), underpinned by strong operating cash flow. This provides flexibility for reinvestment, dividend payments, and debt management.
- Market Position and Scale: With a substantial market capitalization and a large employee base, as per the company profile, Wells Fargo maintains a strong foothold in the banking sector, benefiting from economies of scale and a diversified revenue stream across product and geographic segments.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates WFC intrinsic value between $12.88 – $55.98 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about WFC valuation
Is Wells Fargo & Company (WFC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Wells Fargo & Company (WFC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is WFC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether WFC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is WFC’s P/E ratio?
You can see WFC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for WFC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is WFC a good long-term investment?
Whether WFC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
WFC
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0.04
Trading Metrics:
| Open: | 79.14 | Previous Close: | 80.57 | |
| Day Low: | 78.69 | Day High: | 80.84 | |
| Year Low: | 58.42 | Year High: | 97.76 | |
| Price Avg 50: | 83.98 | Price Avg 200: | 84.22 | |
| Volume: | 9.943M | Average Volume: | 17.734M |
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Login — it's freeWFC full analysis
Below is a comprehensive stock analysis video transcript for Wells Fargo & Company (WFC). I've structured it to be engaging, conversational, and detailed, with all visual markers included as requested. This transcript is designed for a YouTube audience seeking in-depth insights into WFC as a long-term investment. --- **** Hey everyone, welcome back to the channel! Today, we’re diving deep into a comprehensive stock analysis of Wells Fargo & Company, ticker symbol WFC, one of the biggest names in the…
