Analysis for WFC
- 📈 Growth — 26/30
- 💰 Profitability — 14/20
- 🏦 Financial Health — 16/20
- 💵 Valuation — 12/20
- ⚠️ Risk — 6/10
Summary:
📈 Growth & Financial Trajectory
Over the 8-quarter window Wells Fargo shows a steady revenue uptick from about $20.0B to $21.5B, a roughly 6-7% gain. Net income attributable to parent rose from about $4.7-4.9B to about $5.25B in the latest quarter, signaling improved profitability despite seasonal volatility. The trend is positive but modest, with occasional quarterly dips in 2024.
💰 Margins & Cash Flow
Latest quarter shows operating margin near 28% and net margin around 24-25%. Operating cash flow strengthened in Q1 2026 (~$9.14B) while investing activity remained negative, reflecting ongoing loan growth and capital activity; financing cash flow contributed meaningfully, producing a modest overall cash gain.
🛡️ Balance Sheet & Liquidity
Assets run about $1.92–2.21T; current ratio near 1.0–1.1; long-term debt around $173–184B; equity ~ $180–183B. Debt and liquidity appear balanced for a bank, with ample liquidity to meet near-term obligations.
⚠️ Key Drivers & Risks
- Drivers: Deposit franchise stability; net interest income sensitivity to rates.
- Risks: Credit losses volatility; regulatory/compliance risk and macro downturn sensitivity.