Check 35,000+ stocks against 26 valuation models and 37 quality factors

Wells Fargo & Company (WFC) fair value: what the stock is really worth

We calculate from audited financials what Wells Fargo & Company is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

Fair value above price? No
Good quality? Yes
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Financial Services · US · ISIN US9497461015

Broad data Sep 13, 2026

Wells Fargo & Company

WFC · US

Overvalued / MonitorQuality is not strong enough to offset the price risk.

!Fair value $66.02 · Overvalued (−26%)

!Quality 53/100

!Expensive Growth (revenue 5y +8.5 %/yr)

✓Highly profitable · 26.7% net margin (TTM)

!Moderate debt · negative free cash flow

·1.97% dividend yield

!Mixed vs. peers (7/14)

!Moderate moat 61/100

!Insider activity 35/100

!Weak on future: 29 out of 100

26 models, one by oneBear $55.30 to bull $99.50 Growth analysisrevenue history, year by year Quality 53/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.

How to read this chart

60‑month range $33.36 – $95.37 · fair‑value band $55.30 – $99.50 · the $88.71 price screens above the $66.02 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.

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Company profile

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.

Stock analysis

Wells Fargo & Company (WFC) currently trades at $88.71, while our model-based Fair Value estimate is $66.02, implying the stock looks roughly 34.4% overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of $82.86 per share, and 1 of the 6 models we run sit above the $88.71 price.

Bear case: the Dividend Discount group reads lowest at $34.39, and 5 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: $55.30 (bear) to $99.50 (bull), the price of $88.71 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Wells Fargo & Company reported revenue of $124B in FY2025 versus $83.1B in FY2021, a compound +10.4%/yr. Reported net income was $21.3B in FY2025, compounding −0.9%/yr from FY2021.

Key figures

Market cap $285B · P/E ratio 13.7 · P/S ratio 2.37 · EPS (TTM) $6.47 · Dividend yield 2.0% · Net margin 17.3% · Return on equity 12.0% · Return on assets (EBIT) 1.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (medium confidence).

What moves the price

The share trades about 8% below its 52-week high and 26% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −26%, WFC screens richer than that median.

Fair Value models

Bear $55.30 Fair Value $66.02 Bull $99.50

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then ($3.32 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Highest evidence

Residual Income $55.38 $66.24 $138.59 71

DDM Multi-Stage $20.38 $34.39 $46.37 66

Gordon GGM $20.38 $44.50 $74.87 65

All 6 models by family

Dividend Discount

Gordon GGM $20.38 $44.50 $74.87 65

DDM Multi-Stage $20.38 $34.39 $46.37 66

Multiples

P/E Multiple $67.98 $90.65 $113.31 63

P/B Multiple $62.14 $82.86 $103.57 55

Asset-Based

NCAV (Graham) $29.59 $39.65 $59.18 54

Economic Profit

Residual Income $55.38 $66.24 $138.59 71

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Quality Score breakdown

Overall quality 53/100

Of which business quality 49 · Market factors (momentum, volatility) 60

Profitability 31

Margins and returns on capital today

Quality Growth 45

Are margins and returns improving?

Cashflow 33

Earnings quality: real cash, not paper profit

Fin. Strength 27

Balance sheet, leverage, solvency risk

Investment 92

Disciplined investing over empire-building

Low Volatility 71

Calm price path (market factor)

Momentum 55

Price trend over the last 3–12 months (market factor)

52W Momentum 56

Distance to the 52-week high (market factor)

Net Issuance 100

Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 49/100

The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Revenue growth 1 year

−1.5%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+14.0%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+8.5%

Revenue growth 36 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+11.0%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

+10.3%

Earnings growth per share plus dividend.

Earnings per share, growth per year+8.3%

Dividend (yield on the price)2.0%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8% vs 4%, picking up

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.3% → 20%

WFC screens 34% overvalued. Compare with JPMorgan Chase & Co →

Recent news

News mood ⓘNews mood, the average tone of recent news (100 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive

Recent news coverage is more positive than average.

Wells Fargo Brings International Money Transfers to Mobile Banking Yahoo Finance · Sep 14, 2026
Blue Owl, FactSet in losers; Wells Fargo, CleanSpark in gainers: week's financials wrap Seeking Alpha · Sep 12, 2026

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Diversified · 47 stocks

Beats the industry median on 10/14 measures

Overall it ranks above its industry peers.

Valuation

Quality Score 55 · Above median

Fair Value upside −12% · Above median

Profitability

Return on equity (TTM) 12% · Above median

Return on assets 1% · Top 25%

Net margin (TTM) 27% · Bottom 25%

Operating margin (TTM) 29% · Bottom 25%

Growth and dividend

Revenue growth 6% · Above median

Dividend yield (TTM) 2.0% · Bottom 25%

Balance sheet

Debt / equity 0.97× · Below median

Valuation Multiplesvs Banks - Diversified median · lower = cheaper

P/E (TTM) 13.7× · Cheaper than median

P/B 1.47× · Cheaper than median

P/S (TTM) 3.29× · Cheapest 25%

EV/EBITDA 9.1× · Cheaper than median

PEG 1.52× · Pricier than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 3

FUTURE (revenue growth)29 · sector 25

PAST (return on equity)48 · sector 41

HEALTH (low debt)52 · sector 48

DIVIDEND (yield)39 · sector 71

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value
JPMorgan Chase & Co JPM	$356.23	$192.16	−46%
Bank of America Corporation BAC	$62.69	$41.70	−33%
China Construction Bank Corporation 601939	¥11.02	¥13.69	+24%
Industrial and Commercial Bank of China Limited 601398	¥8.11	¥10.93	+35%
HSBC Holdings HSBC	$105.30	$75.89	−28%
Agricultural Bank of China Limited 601288	¥6.97	¥12.94	+86%
Royal Bank of Canada RY	C$285.20	C$151.80	−47%
Bank of China Limited 601988	¥6.57	¥9.86	+50%
Mitsubishi UFJ Financial Group MUFG	$23.89	$20.36	−15%
Citigroup Inc C	$138.82	$105.36	−24%

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Wells Fargo & Company · Fair Value
$66.02 −34%Fair Value
Calculator →

<a href="https://www.fairvalue-calculator.com/stock/WFC" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">Wells Fargo &amp; Company · Fair Value</span><br><b style="font-size:20px">$66.02</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−34%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "Wells Fargo & Company Fair Value". https://www.fairvalue-calculator.com/stock/WFC

Frequently asked questions

Is Wells Fargo & Company (WFC) overvalued or undervalued?

As of Sep 13, 2026, our model estimates a fair value of $66.02 versus a price of $88.71, about −26% upside (overvalued).

What is the fair value of WFC?

Our model-based fair value for Wells Fargo & Company is $66.02 (as of Sep 13, 2026), built from audited fundamentals. The current price: $88.71.

What is the quality score of WFC?

Wells Fargo & Company has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Wells Fargo & Company (WFC)?

Our model-based price target is the fair value of $66.02 (as of Sep 13, 2026) from 6 valuation models. Cautious scenario $55.30, optimistic scenario $99.50. It is a calculation from audited fundamentals, not an analyst target.

What is the Wells Fargo & Company stock forecast for 2026?

Our models put fair value at $66.02, about −26% upside versus a price of $88.71 (overvalued). Cautious scenario $55.30, optimistic scenario $99.50. The calculation is refreshed regularly with new filings.

What is the revenue of Wells Fargo & Company (WFC)?

Wells Fargo & Company reported trailing-twelve-month revenue of about $81.1B (latest available figure, as of Sep 13, 2026).

Does Wells Fargo & Company pay a dividend?

Wells Fargo & Company currently shows a dividend yield of about 1.97% relative to its recent price (as of Sep 13, 2026).

What is the intrinsic value of Wells Fargo & Company (WFC)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Wells Fargo & Company it is $66.02 per share (as of Sep 13, 2026), against a price of $88.71. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).

Is Wells Fargo & Company stock overvalued or undervalued in 2026?

As of Sep 13, 2026, WFC trades above its calculated fair value: price $88.71, fair value $66.02, a gap of about −26% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of WFC?

No. The price is what the market pays today ($88.71); the fair value is what the company's own numbers justify ($66.02). For Wells Fargo & Company the two are $22.69 per share apart. That gap is exactly why we show both numbers side by side.

How much is Wells Fargo & Company worth?

The market values Wells Fargo & Company at about $285B (market capitalisation, as of Sep 13, 2026). Per share that is $88.71; our models calculate a fair value of $66.02 per share.

What do the bullish and bearish scenarios say about WFC?

Our models span a range for Wells Fargo & Company: cautious scenario $55.30, base $66.02, optimistic $99.50 per share (as of Sep 13, 2026, price $88.71). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of WFC?

Wells Fargo & Company trades at a price-to-earnings ratio of 13.7 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $66.02 is built from several models across several years. Other multiples: PEG 1.5, P/B 1.5, P/S 3.3, EV/EBITDA 9.1.

What is the PEG ratio of WFC?

The PEG ratio of Wells Fargo & Company is 1.52 (P/E divided by earnings growth, as of Sep 13, 2026). That is above 1, so the growth is already paid for in the price.

How solid is the balance sheet of Wells Fargo & Company (WFC)?

Balance-sheet figures for Wells Fargo & Company (as of Sep 13, 2026): return on equity 12.0%, debt of 0.97 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.

How far is WFC from its 52-week high?

Wells Fargo & Company trades at $88.71, about 8% below its 52-week high of $96.73 and 26% above the low of $70.39 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of $66.02 is for.

Which stocks are comparable to Wells Fargo & Company?

From the same area (Financial Services) we also value JPMorgan Chase & Co, Bank of America Corporation, China Construction Bank Corporation, Industrial and Commercial Bank of China Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Wells Fargo & Company stock attractive at the current price?

The data as of Sep 13, 2026: price $88.71, calculated fair value $66.02 (−26%), Quality Score 53/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of WFC calculated?

We run Wells Fargo & Company through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $66.02, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 15.6 % above its aggregate fair value. Wells Fargo & Company itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Wells Fargo & Company (WFC)?

The closing price on Sep 14, 2026 was $88.71. Our model-based fair value is $66.02, about −26% upside (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Wells Fargo & Company right now?

Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of Wells Fargo & Company (WFC) come from?

Earnings per share at Wells Fargo & Company grew +3.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.9 %, EBIT margin −4.9 %, tax rate +2.5 %, residual (interest, one-offs) −1.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Wells Fargo & Company

How large is the market capitalisation of Wells Fargo & Company (WFC)?

The market capitalisation of Wells Fargo & Company is $285B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Wells Fargo & Company (WFC)?

The price-to-sales ratio of Wells Fargo & Company is 2.37 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Wells Fargo & Company (WFC)?

Earnings per share at Wells Fargo & Company are $6.47 (price ÷ EPS = P/E 13.7). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Wells Fargo & Company (WFC)?

The dividend yield of Wells Fargo & Company is 2.0% (payout 27.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of Wells Fargo & Company (WFC)?

The net margin of Wells Fargo & Company is 17.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Wells Fargo & Company (WFC)?

The return on equity (ROE) of Wells Fargo & Company is 12.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Wells Fargo & Company (WFC)?

On an EBIT basis the return on assets of Wells Fargo & Company is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Wells Fargo & Company (WFC)?

The operating margin of Wells Fargo & Company is 29.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Wells Fargo & Company (WFC)?

Revenue at Wells Fargo & Company is growing +5.7% versus a year earlier (3y avg +14.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at Wells Fargo & Company (WFC)?

Earnings per share at Wells Fargo & Company are growing +15.1% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does Wells Fargo & Company (WFC) generate?

The free cash flow of Wells Fargo & Company is −$19.0B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does Wells Fargo & Company (WFC) carry?

The net debt of Wells Fargo & Company is $252B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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