Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
WFC 
Wells Fargo & Company (WFC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
10/30/2025: WFC (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
24 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $93.12
1 Year Target Price $93.12
| 10 | Strong Buy |
| 6 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 53.39% | Avg. Invested days 57 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 273.86B USD | Price to earnings Ratio 14.33 | 1Y Target Price 93.12 |
Price to earnings Ratio 14.33 | 1Y Target Price 93.12 | ||
Volume (30-day avg) 24 | Beta 1.24 | 52 Weeks Range 57.76 - 87.47 | Updated Date 11/1/2025 |
52 Weeks Range 57.76 - 87.47 | Updated Date 11/1/2025 | ||
Dividends yield (FY) 1.92% | Basic EPS (TTM) 6.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-14 | When Before Market | Estimate 1.55 | Actual 1.66 |
Profitability
Profit Margin 26.63% | Operating Margin (TTM) 33.29% |
Management Effectiveness
Return on Assets (TTM) 1.06% | Return on Equity (TTM) 11.52% |
Valuation
Trailing PE 14.33 | Forward PE 11.92 | Enterprise Value 204121030656 | Price to Sales(TTM) 3.46 |
Enterprise Value 204121030656 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 5.95 | Enterprise Value to EBITDA - | Shares Outstanding 3148936681 | Shares Floating 3141190297 |
Shares Outstanding 3148936681 | Shares Floating 3141190297 | ||
Percent Insiders 0.09 | Percent Institutions 80.23 |
Upturn AI SWOT
Wells Fargo & Company
Company Overview
History and Background
Wells Fargo & Company traces its origins to 1852. Initially focused on banking and express delivery, it evolved through mergers and acquisitions to become a diversified financial services company.
Core Business Areas
- Consumer Banking and Lending: Provides a range of financial products and services to consumers, including checking and savings accounts, credit cards, mortgages, and auto loans.
- Commercial Banking: Offers financial solutions to businesses, including lending, treasury management, and investment banking services.
- Corporate and Investment Banking: Provides a broad suite of capital markets, banking, and advisory products and services to corporate, institutional and government clients.
- Wealth & Investment Management: Delivers personalized wealth management and investment advisory services to affluent clients.
Leadership and Structure
The company is led by CEO Charles W. Scharf. Its organizational structure includes various business segments and support functions.
Top Products and Market Share
Key Offerings
- Mortgages: Wells Fargo is a significant mortgage lender. Market share fluctuates, but typically in the top 5 lenders nationally. Competitors include Rocket Mortgage, JPMorgan Chase, Bank of America, and U.S. Bank.
- Credit Cards: Offers a range of credit cards with varying rewards and benefits. The credit card market is highly competitive with competitors such as JPMorgan Chase, American Express, and Capital One.
- Auto Loans: Provides financing for new and used vehicles. Competitors include Capital One Auto Navigator, Bank of America, and local credit unions.
Market Dynamics
Industry Overview
The financial services industry is subject to economic cycles, regulatory changes, and technological disruptions. The industry is highly competitive and evolving rapidly.
Positioning
Wells Fargo is a major player in the US banking sector, with a large customer base and a national presence. Its competitive advantage lies in its extensive branch network and diversified product offerings.
Total Addressable Market (TAM)
The total addressable market for financial services is multi-trillion USD globally. Wells Fargo is positioned to capture a portion of this market through its various business segments, targeting both retail and commercial customers.
Upturn SWOT Analysis
Strengths
- Large customer base
- Extensive branch network
- Diversified product offerings
- Strong brand recognition
Weaknesses
- Regulatory issues and consent orders
- Reputational damage from past scandals
- Efficiency Ratios compared to competitors
Opportunities
- Digital transformation
- Expansion of wealth management services
- Growth in emerging markets
- Increased investment in technology
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co. (JPM)
- Bank of America Corp (BAC)
- Citigroup Inc. (C)
Competitive Landscape
Wells Fargo faces intense competition from other large banks and fintech companies. JPM leads in market share, WFC is also a large player.
Major Acquisitions
None Recent
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: No significant recent acquisitions.
Growth Trajectory and Initiatives
Historical Growth: Wells Fargo's growth has been affected by past scandals and regulatory issues. Growth has been modest in recent years.
Future Projections: Analysts predict moderate growth for Wells Fargo, driven by cost-cutting measures and improved efficiency. Revenue growth for 2024 is projected around 4-5%.
Recent Initiatives: Recent initiatives include investments in digital banking and a focus on improving customer service.
Summary
Wells Fargo is a significant player in the US banking industry with a large customer base. However, it is facing regulatory challenges and competition. The company is focused on improving efficiency and investing in digital transformation. Future growth depends on the company's ability to overcome past issues and adapt to the changing financial landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Market Research Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Wells Fargo & Company
Exchange NYSE | Headquaters San Francisco, CA, United States | ||
IPO Launch date 1972-06-01 | CEO & Chairman Mr. Charles W. Scharf | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 210821 | Website https://www.wellsfargo.com |
Full time employees 210821 | Website https://www.wellsfargo.com | ||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.