WELLS FARGO (WFCS) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of WELLS FARGO C$17.76, price C$22.22, upside -20.1%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 28, 2026.
How to read this chart
20‑month range C$16.96 – C$26.69 · fair‑value band C$15.38 – C$22.70 · the C$22.22 price screens above the C$17.76 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 28, 2026.
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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.
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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 Consumer Banking and Lending segment offers diversified financial products and services for consumers and small businesses. Its financial products and services include checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. The Commercial Banking segment provides financial solutions to private, family owned, and certain public companies. Its products and services include banking and credit products across various industry sectors and municipalities, secured lending and lease products, and treasury management services. The Corporate and Investment Banking segment 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. The Wealth and Investment Management segment provides personalized wealth management, brokerage, financial planning, lending, private banking, and trust and fiduciary products and services to affluent, high-net worth, and ultra-high-net worth clients. It also operates through financial advisors in brokerage and wealth offices, consumer bank branches, independent offices, and digitally through WellsTrade and Intuitive Investor. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.
Stock analysis
WELLS FARGO CDR (CAD HEDGED) (WFCS) currently trades at C$22.22, while our model-based Fair Value estimate is C$17.76, 20.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of C$23.19 per share, and 2 of the 6 models we run sit above the C$22.22 price.
Bear case: the Dividend Discount group reads lowest at C$7.84, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: C$15.38 (bear) to C$22.70 (bull), the price of C$22.22 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 57/100 (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 CDR (CAD HEDGED) reported revenue of $83.7B in FY2025 versus $74.4B in FY2022, a compound +4.0%/yr. Reported net income was $21.3B in FY2025, compounding +16.0%/yr from FY2022.
Key figures
Market cap C$368B (≈ $258B) · P/E ratio 13.0 · P/S ratio 3.32 · EPS (TTM) C$1.68 · Dividend yield 7.4% · Net margin 25.5% · Return on equity 11.5% · Return on assets 1.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (medium confidence).
What moves the price
The share trades about 17% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −18% fair-value upside, at −20%, WFCS screens richer than that median.
Fair Value models
Bear C$15.38Fair Value C$17.76Bull C$22.70
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 9 months old). Earnings retained since then (C$0.0227 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.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.
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.39/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+1.7%
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.
+4.0%
’22
’23
’24
’25
What shareholders gained per year (last 3 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 3 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.
Compare WELLS FARGO CDR (CAD HEDGED) with another stock
Price, fair value, quality and upside side by side.
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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 · 43 stocks
Beats the industry median on 6/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score58 · Above median
Fair Value upside−18.9% · Above median
Profitability
Return on equity (TTM)11.5% · Below median
Return on assets1.1% · Top 25%
Net margin (TTM)26.6% · Bottom 25%
Operating margin (TTM)33.7% · Bottom 25%
Growth and dividend
Revenue growth7.5% · Below median
Dividend yield (TTM)7.4% · Top 25%
Balance sheet
Debt / equity0.97× · Below median
Valuation Multiplesvs Banks - Diversified median · lower = cheaper
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As of Sep 28, 2026, our model estimates a fair value of C$17.76 versus a price of C$22.22, about −20% upside (overvalued).
What is the fair value of WFCS?
Our model-based fair value for WELLS FARGO CDR (CAD HEDGED) is C$17.76 (as of Sep 28, 2026), built from audited fundamentals. The current price: C$22.22.
What is the quality score of WFCS?
WELLS FARGO CDR (CAD HEDGED) has a Quality Score of 57/100. 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 (WFCS)?
Our model-based price target is the fair value of C$17.76 (as of Sep 28, 2026) from 6 valuation models. Cautious scenario C$15.38, optimistic scenario C$22.70. It is a calculation from audited fundamentals, not an analyst target.
What is the WELLS FARGO CDR (CAD HEDGED) stock forecast for 2026?
Our models put fair value at C$17.76, about −20% upside versus a price of C$22.22 (overvalued). Cautious scenario C$15.38, optimistic scenario C$22.70. The calculation is refreshed regularly with new filings.
What is the revenue of WELLS FARGO (WFCS)?
WELLS FARGO CDR (CAD HEDGED) reported trailing-twelve-month revenue of about $79.1B (latest available figure, as of Sep 28, 2026).
Does WELLS FARGO CDR (CAD HEDGED) pay a dividend?
WELLS FARGO CDR (CAD HEDGED) currently shows a dividend yield of about 7.43% relative to its recent price (as of Sep 28, 2026).
What is the intrinsic value of WELLS FARGO (WFCS)?
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 CDR (CAD HEDGED) it is C$17.76 per share (as of Sep 28, 2026), against a price of C$22.22. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is WELLS FARGO CDR (CAD HEDGED) stock overvalued or undervalued in 2026?
As of Sep 28, 2026, WFCS trades above its calculated fair value: price C$22.22, fair value C$17.76, a gap of about −20% (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 WFCS?
No. The price is what the market pays today (C$22.22); the fair value is what the company's own numbers justify (C$17.76). For WELLS FARGO CDR (CAD HEDGED) the two are C$4.46 per share apart. That gap is exactly why we show both numbers side by side.
How much is WELLS FARGO CDR (CAD HEDGED) worth?
The market values WELLS FARGO CDR (CAD HEDGED) at about C$368B (market capitalisation, as of Sep 28, 2026). Per share that is C$22.22; our models calculate a fair value of C$17.76 per share.
What do the bullish and bearish scenarios say about WFCS?
Our models span a range for WELLS FARGO CDR (CAD HEDGED): cautious scenario C$15.38, base C$17.76, optimistic C$22.70 per share (as of Sep 28, 2026, price C$22.22). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WFCS?
WELLS FARGO CDR (CAD HEDGED) trades at a price-to-earnings ratio of 13.0 (as of Sep 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of C$17.76 is built from several models across several years. Other multiples: PEG 1.5.
What is the PEG ratio of WFCS?
The PEG ratio of WELLS FARGO CDR (CAD HEDGED) is 1.46 (P/E divided by earnings growth, as of Sep 28, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of WELLS FARGO (WFCS)?
Balance-sheet figures for WELLS FARGO CDR (CAD HEDGED) (as of Sep 28, 2026): return on equity 11.5%, debt of 0.97 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is WFCS from its 52-week high?
WELLS FARGO CDR (CAD HEDGED) trades at C$22.22, about 17% below its 52-week high of C$26.69 and 9% above the low of C$20.37 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of C$17.76 is for.
Which stocks are comparable to WELLS FARGO CDR (CAD HEDGED)?
From the same area (Financial Services) we also value JPMorgan Chase & Co, Industrial and Commercial Bank of China Limited, China Construction Bank Corporation, Bank of America Corporation, 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 CDR (CAD HEDGED) stock attractive at the current price?
The data as of Sep 28, 2026: price C$22.22, calculated fair value C$17.76 (−20%), Quality Score 57/100, 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 WFCS calculated?
We run WELLS FARGO CDR (CAD HEDGED) 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 C$17.76, 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 14.5 % above its aggregate fair value. WELLS FARGO CDR (CAD HEDGED) 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 (WFCS)?
The closing price on Oct 2, 2026 was C$22.22. Our model-based fair value is C$17.76, about −20% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with WELLS FARGO CDR (CAD HEDGED) right now?
Solid but not exceptional quality (57/100) 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.
Key figures of WELLS FARGO CDR (CAD HEDGED)
How large is the market capitalisation of WELLS FARGO (WFCS)?
The market capitalisation of WELLS FARGO CDR (CAD HEDGED) is C$368B (≈ $258B). 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 (WFCS)?
The price-to-sales ratio of WELLS FARGO CDR (CAD HEDGED) is 3.32 (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 (WFCS)?
Earnings per share at WELLS FARGO CDR (CAD HEDGED) are C$1.68 (price ÷ EPS = P/E 13.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of WELLS FARGO (WFCS)?
The dividend yield of WELLS FARGO CDR (CAD HEDGED) is 7.4% (payout 98.2%). 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 (WFCS)?
The net margin of WELLS FARGO CDR (CAD HEDGED) is 25.5% (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 (WFCS)?
The return on equity (ROE) of WELLS FARGO CDR (CAD HEDGED) is 11.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of WELLS FARGO (WFCS)?
The return on assets (ROA) of WELLS FARGO CDR (CAD HEDGED) is 1.1% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of WELLS FARGO (WFCS)?
The operating margin of WELLS FARGO CDR (CAD HEDGED) is 33.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at WELLS FARGO (WFCS)?
Revenue at WELLS FARGO CDR (CAD HEDGED) is growing +7.5% versus a year earlier (3y avg +4.0%). 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 (WFCS)?
Earnings per share at WELLS FARGO CDR (CAD HEDGED) are growing +16.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does WELLS FARGO (WFCS) generate?
The free cash flow of WELLS FARGO CDR (CAD HEDGED) 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 (WFCS) carry?
The net debt of WELLS FARGO CDR (CAD HEDGED) is $18.8B (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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Sep 28, 2026