Wells Fargo & Company (WFC) stock analysis
Company overview and business model
Source fact: Wells Fargo & Company, a financial services company, provides diversified 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 company's financial products and services includes checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. It also provides personalized wealth management, brokerage, financial planning, lending, private banking, trust and fiduciary products and services; and financial solutions to private, family owned and public companies through products and services including banking and credit products across multiple industry sectors and municipalities, secured lending and lease products, and treasury management. In addition, it offers a suite of capital markets, banking, and financial products and services, such as 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 to corporate, commercial real estate, government, and institutional clients. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.
Classification: NYSE · Financial Services · Banks - Diversified
Revenue and growth
Source fact: Revenue was USD 83.70 billion for the period ending 2025-12-31.
Caverian calculation: Revenue changed +1.7% (FY2025 vs FY2024).
Profitability
Source fact: Net income was USD 21.34 billion in the latest reported period.
Source metric: Reported net margin was 25.5%.
Balance sheet and liquidity
Source fact: Cash and equivalents were USD 174.21 billion.
Source fact: Total debt was USD 193.03 billion.
Cash-flow analysis
Source fact: Operating cash flow was USD -19.00 billion.
Source fact: Free cash flow was USD -19.00 billion.
Valuation
Source metrics: Trailing P/E 12.17x; Forward P/E 10.61x; Price to book 1.58x; Price to sales 3.05x.
Caverian model output: Value score was 75/100.
Competitive position
Classification: Peer context: Banks - Diversified within Financial Services.
Caverian model output: Quality score was 63/100.
Caverian model limitation: Quality evidence was limited: 4 of 10 inputs were available (51% weighted coverage). Unavailable or not-meaningful inputs contributed a neutral 50, changing the raw 65 score to 63; further research is required.
Caverian model output: Growth score was 62/100.
Material risks
Caverian model interpretation: Watch out: limited Quality evidence (51% weighted coverage) — unavailable/NM inputs were averaged at neutral, changing the raw 65 score to 63; further research is required.
Data sources and freshness
Freshness: This report uses a stored upstream snapshot; statement periods are shown alongside the figures.
Methodology and limitations
Facts reproduce stored upstream fields. Calculations derive only from the displayed stored statements. Model outputs are Caverian interpretations, not investment advice or a buy/sell recommendation.
How Caverian approaches valuation · Sources and product principles