WELLS FARGO & COMPANY/MN (WFC) Stock Analysis

Analysis from 10-Q filed 2025-10-31. Data as of Q2 2026.

Overall Grade: F (Concerning)

Grade F (Concerning). ROIC N/A. FCF margin 22.1%. D/E 1.2x. Source: 10-Q filed 2025-10-31.

Metric	Value	Context
ROIC	N/A	Below expectations
FCF Margin	22.1%	Strong cash generation
Debt/Equity	1.2x	Moderate leverage

FCF margin 22.1% — Bottom 50%.

Explore WELLS FARGO & COMPANY/MN: Earnings History | Filings

Programmatic access: Available via MCP at mcp.metricduck.com. Tools for WFC: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.

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Profitability: WELLS FARGO & COMPANY/MN earns N/A ROIC

ROIC TTM N/A. Source: 10-Q filed 2025-10-31.

Metric	WFC	Rating	Context
Return on Invested Capital (ROIC)	N/A	Red flag	Below cost of capital
Return on Equity (ROE)	12.5%	Adequate	Moderate equity returns

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Cash Flow: WELLS FARGO & COMPANY/MN generates $19.2B FCF at 22.1% margin, positive NaN/8 quarters

FCF TTM $19.2B. FCF margin 22.1%, Bottom 50%. OCF/Net income 0.8x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-10-31.

Metric	WFC	Rating	Context
Free Cash Flow Margin	22.1%	Excellent	Excellent cash conversion
Free Cash Flow (TTM)	$19.2B	Good	Positive cash generation
OCF/Net Income	0.8x	Good	Potential accrual concerns
FCF Consistency (8Q)	N/A	Warning	Variable cash flow

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Balance Sheet: WELLS FARGO & COMPANY/MN at 1.2x leverage

Debt/Equity 1.2x. Total debt $207.3B, cash & investments $201.5B. Source: 10-Q filed 2025-10-31.

Metric	WFC	Rating	Context
Debt to Equity	1.2x	Adequate	Moderate leverage
Net Cash Position	$-5.8B	Warning	Net debt position

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Valuation: WELLS FARGO & COMPANY/MN trades at 11.9x earnings

P/E 11.9x. EV/Sales 4.1x. FCF yield 7.5%. Dividend yield 2.2%. Source: 10-Q filed 2025-10-31.

Metric	WFC	Rating	Context
P/E Ratio	11.9x	Adequate	Reasonable valuation
EV/Sales	4.1x	Good	Growth premium priced in
FCF Yield	7.5%	Good	Attractive cash return
Dividend Yield	2.2%	Adequate	Growth focus over income

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Capital Allocation: WELLS FARGO & COMPANY/MN returns 9.2% shareholder yield

Total shareholder yield 9.2% (div 2.2% + buyback 7.0%). Capital returned $23.7B TTM. Source: 10-Q filed 2025-10-31.

Metric	WFC	Rating	Context
Total Shareholder Yield	9.2%	Excellent	Dividend + buyback yield combined
Buyback Yield	7.0%	Good	Active share repurchases
Total Capital Returned (TTM)	$23.7B	Good	Dividends + buybacks returned to shareholders

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Sector Rankings

Metric	Value	Percentile	vs Median
Free Cash Flow Margin	22.1%	Bottom 50%	0.9x below
Return on Equity (ROE)	12.5%	Top 50%	1.1x above
P/E Ratio	11.9x	N/A	-

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Financial Scorecard

Metric	WFC	Rating	Sector Context
Free Cash Flow Margin	22.1%	Excellent	Bottom 50% of sector (median: 23.6%)
Debt to Equity Ratio	115.0%	Adequate	Elevated but manageable
P/E Ratio (Price-to-Earnings)	11.9x	Adequate	Attractively valued
Free Cash Flow Yield	7.5%	Good	Solid cash yield

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Frequently Asked Questions

Q: What is WELLS FARGO & COMPANY/MN's Return on Invested Capital (ROIC)?

WELLS FARGO & COMPANY/MN (WFC) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Source: 10-Q filed 2025-10-31.

Q: What is WELLS FARGO & COMPANY/MN's Free Cash Flow Margin?

WELLS FARGO & COMPANY/MN (WFC) has a free cash flow margin of 22.1%, generating $19.2 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-10-31.

Q: What is WELLS FARGO & COMPANY/MN's P/E ratio and how does it compare to peers?

WELLS FARGO & COMPANY/MN (WFC) trades at a P/E ratio of 11.9x, which is above the sector median of N/A. EV/Sales 4.1x. FCF yield 7.5%. Source: 10-Q filed 2025-10-31.

Q: Does WELLS FARGO & COMPANY/MN pay a dividend?

WELLS FARGO & COMPANY/MN (WFC) currently pays a dividend yield of 2.2%. Total shareholder yield (dividend + buybacks) 9.2%. Source: 10-Q filed 2025-10-31.

Q: How much debt does WELLS FARGO & COMPANY/MN have?

WELLS FARGO & COMPANY/MN (WFC) has a debt-to-equity ratio of 1.2x with total debt of $207.3 billion. Net debt $5.8 billion. Source: 10-Q filed 2025-10-31.

Q: What is WELLS FARGO & COMPANY/MN's revenue and earnings growth?

WELLS FARGO & COMPANY/MN (WFC) grew revenue by 6.2% year-over-year. EPS +18.0% YoY. Source: 10-Q filed 2025-10-31.

Q: Is WELLS FARGO & COMPANY/MN buying back stock?

WELLS FARGO & COMPANY/MN (WFC) repurchased $18.0 billion of stock over the trailing twelve months. This represents a buyback yield of 7.0%. Source: 10-Q filed 2025-10-31.

Q: How does WELLS FARGO & COMPANY/MN compare to competitors in Financials?

Compared to other companies in Financials, WELLS FARGO & COMPANY/MN (WFC) shows: FCF margin 22.1%, sector median 23.6% (Bottom 50%). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.

Q: What warning signs should I watch for with WELLS FARGO & COMPANY/MN?

No quantitative warning flags fired for WELLS FARGO & COMPANY/MN (WFC) on margin trend, FCF trend, ROIC trend, or leverage thresholds. Source: 10-Q filed 2025-10-31.

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Data Source: Data sourced from 10-Q filed 2025-10-31. TTM metrics as of Q2 2026.

Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.

Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.

This analysis is for informational purposes only and does not constitute investment advice.