WFC

Financial Services

Wells Fargo & Company · Banks - Diversified · $234B

UQS Score — Balanced Preset
37.9
Below Average

Wells Fargo & Company scores 37.9/100 using the Balanced preset.

UQS vs Financial Services Sector
WFC
37.9
Sector avg
39.7
Quality
Neutral
Moat
Weak
Growth
Weak
Risk
Weak
Valuation
Attractive

WFC Price History

+95.7% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in Wells Fargo & Company?

$
Today it would be worth
$21,540
That's a +115% total return, or +16.6% annualized.

Based on Wells Fargo & Company's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

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Pro Analysis

WFC — Score History

3035404550Apr 2Apr 12Apr 22May 2May 12May 22May 24v5
Score changes· 16 most recent
DateUQSQualityMoatGrowthRiskValueChange
May 22, 202637.946.729.033.00.082.3+2.7
May 8, 202635.225.529.033.00.099.7-2.4
May 7, 202637.644.729.033.00.083.4+0.1
May 6, 202637.544.729.033.00.083.2-0.1
May 3, 202637.644.729.033.30.083.4-0.1
May 2, 202637.744.729.033.30.084.10.0
Apr 26, 202637.744.729.033.40.084.1+0.1
Apr 19, 202637.644.729.033.40.083.1+0.4
Apr 18, 202637.244.729.033.40.080.8-2.2
Apr 17, 202639.444.729.033.40.095.5-0.1

WFC — Pillar Breakdown

Quality

46.7/100 (25%)

Wells Fargo & Company has average quality metrics, with room for improvement in margins or capital efficiency.

Return on EquityModerate

Profitability relative to shareholders' equity.

Operating ProfitabilityModerate

Ability to convert revenue into operating profit.

Net ProfitabilityModerate

Bottom-line profit as a share of revenue.

Cash GenerationWeak

Free cash flow relative to market value.

Growth

33.0/100 (20%)

Wells Fargo & Company faces growth headwinds with declining or stagnant revenue trends.

Recent Revenue TrendWeak

Revenue trajectory over the last twelve months.

3Y Revenue CAGRModerate

Compound annual revenue growth rate over 3 years.

EPS GrowthModerate

Year-over-year earnings per share growth.

Forward Revenue OutlookWeak

Analyst consensus for future revenue growth.

Forward EPS GrowthStrong

Analyst consensus for future earnings growth.

Risk

0.0/100 (15%)

Wells Fargo & Company presents elevated risk with concerns around leverage or financial stability.

Debt/EquityWeak

Total debt relative to shareholder equity.

Current RatioWeak

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageWeak

Earnings capacity relative to interest payments.

Valuation

82.7/100 (15%)

Wells Fargo & Company appears attractively valued relative to its earnings, cash flows, and sector peers.

Earnings YieldStrong

Inverse of forward P/E — higher yield means cheaper stock.

PEG RatioStrong

P/E relative to earnings growth — lower is more attractive.

EV/EBITDA vs SectorWeak

Enterprise value multiple relative to sector median.

Moat

29/100 (25%)

Wells Fargo & Company operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for WFC.

Score Composition

Quality
46.7×25%11.7
Growth
33.0×20%6.6
Risk
0.0×15%0.0
Valuation
82.7×15%12.4
Moat
29.0×25%7.3
Total
37.9Below Average

Financial Data

More Stock Analysis

How is the WFC UQS Score Calculated?

The UQS (Unified Quality Score) for Wells Fargo & Company is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Wells Fargo & Company's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Wells Fargo & Company is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.