Wells Fargo & Company (WFC) is a Financial Services company in the Banks - Diversified industry with a 70% Buy Score. Key strengths include Net Margin (27.2%), Return on Equity (12.6%). The score on this page is a five-factor screen — revenue growth, gross margin, net margin, return on equity and debt-to-equity — each scored against fixed thresholds from a neutral starting point of 50%. The eight-section analysis, including moat, free cash flow, dilution and valuation, runs in the full report.
This analysis is generated by StrongBuyAnalytics AI using publicly available financial data from SEC filings, earnings reports, and market feeds. It is not personalized investment advice. See our methodology and disclaimer.
2 of the inputs in our model moved WFC's score away from the neutral baseline of 50%, landing it at 70% (Buy). Each one below is a specific figure from Wells Fargo & Company's reported financials, not a judgement call:
5 data points sit outside the score itself but bear on Wells Fargo & Company's next few quarters. They are reported here as observations, not predictions:
Compared against the Banks - Diversified companies we cover, topped up with the closest Financial Services names by market capitalisation.
Wells Fargo & Company's liquidity and cash generation as of the most recent filing — note the cash position of $496.41B against $478.47B of debt:
Figures are drawn from Wells Fargo & Company's most recent balance sheet and cash flow statement as filed with the SEC. See the filings themselves.
Institutional investment managers with >$100 M in qualifying assets must disclose their equity positions quarterly on SEC Form 13F — typically within 45 days of quarter-end. Search those filings below to see which hedge funds, mutual funds, and asset managers reported WFC as a holding, how many shares they held, and how positions changed quarter over quarter.
We do not answer that question for you, and we do not publish buy or sell calls. What we publish is a score: WFC rates 70% on our five-factor fundamentals screen, which puts it in the "Buy" band. Everything below explains how it got there so you can disagree with it.
Wells Fargo & Company clears our thresholds on most of what we measure. The strongest readings are net margin (27.2%) and return on equity (12.6%). Nothing in the data we score currently works against it.
Wells Fargo & Company reported revenue growth of 9.5% year over year, against a Banks - Diversified peer set where scale and pricing power vary widely. That is solid but not exceptional, so it lifts the score without dominating it.
Earnings grew 25.0% over the same period, outpacing revenue — a sign of operating leverage.
Track upcoming report dates on our earnings calendar.
This is a fundamentals outlook, not a price target — we do not publish one. It describes what Wells Fargo & Company's current financials imply about the next three to twelve months if the trends in them hold.
Constructive: Net margins of 27.2% mean that growth converts to profit rather than being spent to buy it. The main thing to watch over the next few quarters is whether those figures hold; the score is built on trailing data and will move if they do not.
These are the Wells Fargo & Company figures that push the score up, taken straight from the most recent reported financials:
See how every metric on this WFC page — quality score, valuation, DCF scenarios, confidence, and data limitations — fits into a professional research report.
Generate My Free WFC ReportGuides to the specific measures used in this WFC analysis:
How the financial statements behind this page fit together.
Understanding P/E RatioWhat WFC's 13.0x multiple does and does not tell you.
Return on Equity (ROE)Why WFC's 12.6% return on equity matters for stock selection.
Stock Valuation MethodsHow DCF, multiples and asset-based approaches value a company like Wells Fargo & Company.
How to Read Earnings ReportsWhere the WFC growth and margin figures on this page come from.
What Are Demand Zones?The technical side we deliberately keep out of the WFC score.
Latest SEC filings for WFC explained in plain English — insider buys/sells (Form 4), proposed sales (Form 144), material events (8-K), and quarterly & annual reports.
