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Wells Fargo & Company (WFCO34) Fair Value & Analysis

Financial Services · BR · Market cap R$1.4T

WF Wells Fargo & Company WFCO34 · SA
PriceR$111.89
Fair ValueR$22.90
Upside-79.5%
Quality54/100
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Evidence: Medium Range R$17.17 – R$28.62

Fair value as of: Jul 17, 2026

From 14 valuation models · updated today

Fair value updated Jul 17, 2026, revised from R$22.66 to R$22.90 (+1.1%) since Jun 26, 2026. Share price +1.7% over the past month.

Price vs Fair Value (12 months)

R$130.57 R$89.48 Fair Value R$22.90 Jul 2025 Jul 2026

12‑month range R$89.48 – R$130.57 · fair‑value band R$17.17 – R$28.62 · the R$111.89 price screens above the R$22.90 fair value. As of Jul 17, 2026.

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Analysis

Wells Fargo & Company (WFCO34) currently trades at R$111.89, while our model-based Fair Value estimate is R$22.90, implying the stock looks roughly 79.5% overvalued today. We read business quality at 54/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, Wells Fargo & Company generated revenue of R$81.1B at a net margin of 26.7%. Revenue grew 5.7% year over year. It earns a return on equity of 12.0%. Net debt stands at R$18.8B. Fundamentals as of Jul 17, 2026

Our scenario range runs from R$17.17 (bear case) to R$28.62 (bull case); at R$111.89, the current price sits above that range. The share trades about 15% below its 52-week high and 25% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 65% fair-value upside, at -80%, WFCO34 screens richer than that median.

Key figures & financial health

Revenue (TTM) R$83.0B
Revenue growth (YoY) +9.5%
Net margin 27.2%
Return on equity 12.6%
Free cash flow −R$19.0B FY2025
P/E ratio 12.6
More key figures
Operating margin 37.1%
EPS (TTM) R$8.91
Dividend yield 1.6%
EPS growth (YoY) +25.0%
Net debt R$18.8B FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 17, 2026. TTM = trailing twelve months.

About the company

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 …

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Wells Fargo & Company reported revenue of R$83.7B in FY2025 versus R$78.5B in FY2021, a compound +1.6%/yr. Reported net income was R$21.3B in FY2025, compounding −0.2%/yr from FY2021.

Revenue +1.6%/yr
FY21 R$78.5B
FY22 R$73.8B
FY23 R$82.6B
FY24 R$82.3B
FY25 R$83.7B
Net income −0.2%/yr
FY21 R$21.5B
FY22 R$13.2B
FY23 R$19.1B
FY24 R$19.7B
FY25 R$21.3B

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Cite: Fair Value Calculator (2026). "Wells Fargo & Company Fair Value". https://www.fairvalue-calculator.com/stock/WFCO34

Recent news

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Frequently asked questions

Is Wells Fargo & Company (WFCO34) undervalued?
As of Jul 17, 2026, our model estimates a fair value of R$22.90 versus a price of R$111.89, about −80% (overvalued). Model-based estimate, not financial advice.
What is the fair value of WFCO34?
Our model-based fair value for Wells Fargo & Company is R$22.90 (as of Jul 17, 2026), built from audited fundamentals. The current price is R$111.89.
What is the quality score of WFCO34?
Wells Fargo & Company has a Quality Score of 54/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Wells Fargo & Company (WFCO34)?
Wells Fargo & Company reported trailing-twelve-month revenue of about R$81.1B (latest available figure, as of Jul 17, 2026).
What is the net profit margin of WFCO34?
The net profit margin of Wells Fargo & Company is about 26.7%, meaning it keeps roughly 26.7% of revenue as net income. Based on the latest reported figures.
Does Wells Fargo & Company pay a dividend?
Wells Fargo & Company currently shows a dividend yield of about 1.76% relative to its recent price (as of Jul 17, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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