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Upturn AI Summary - About
Wells Fargo & Company(WFC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for WFC
11/06/2026: WFC (3-star) is currently NOT-A-BUY. Pass it for now.
Wells Fargo & Company is a leading diversified financial institution that offers a comprehensive suite of banking, lending, and wealth management services. The bank’s primary strengths are its extensive physical branch network and massive retail deposit base, which support a stable financial foundation. The current investment narrative focuses on the firm’s ability to modernize its infrastructure and resolve long-standing regulatory issues, including an asset growth cap. Key risks include intense competition from fintech firms, potential economic volatility, and the impact of regulatory constraints on growth. The stock may suit income-oriented investors seeking reliable dividends, provided they remain comfortable with ongoing execution and regulatory-related risks.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is moderate and heavily influenced by regulatory progress rather than rapid expansion. |
| Momentum investor | Mixed fit | Momentum is conditional on positive breakthroughs regarding regulatory asset caps. |
| Value investor | Strong fit | The stock often trades at valuations that attract value-oriented investors looking for institutional scale. |
| Dividend investor | Strong fit | The company offers a reliable dividend yield supported by a strong capital base. |
| Low-risk investor | Mixed fit | Regulatory risks and historical volatility make this less suitable for ultra-conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Financial stocks are sensitive to interest rate fluctuations and economic cycles. |
| Valuation risk | Medium | Market pricing often fluctuates based on regulatory sentiment. |
| Competition risk (banking) | High | Intense rivalry with digital banks and major peers impacts loan pricing and margins. |
| Business quality | Strong | The bank maintains a massive, entrenched franchise with significant scale. |
| Dividend income | Medium / high | Dividends are subject to regulatory capital distribution approvals. |
| Execution risk | High | Modernizing legacy systems while under regulatory scrutiny requires precise execution. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 52.24% | Avg. Invested days 60 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 251.98B USD | Price to earnings Ratio 11.84 | 1Y Target Price 97.38 |
Price to earnings Ratio 11.84 | 1Y Target Price 97.38 | ||
Volume (30-day avg) 15.7M shares | Beta 0.92 | 52 Weeks Range 71.94 - 95.61 | Updated Date 11/08/2026 |
52 Weeks Range 71.94 - 95.61 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 2.19% | Basic EPS (TTM) 7.09 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Consumer Banking | Retail deposits, home lending, and credit cards. | The bank earns money primarily on the spread between interest paid on deposits and interest earned on loans. |
| Corporate/Investment Banking | Advisory services, capital markets, and corporate lending. | Revenue is generated through transaction fees and interest from corporate client credit. |
| Geography (US) | Operations primarily within the United States. | The company is a domestic-focused financial institution sensitive to US economic health. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-13 | When Before Market | Estimate 1.85 | Actual 1.87 |
Profitability
Profit Margin 27.64% | Operating Margin (TTM) 34.21% |
Management Effectiveness
Return on Assets (TTM) 1.08% | Return on Equity (TTM) 12.91% |
Valuation
Trailing PE 11.84 | Forward PE 10.43 | Enterprise Value 273.25B | Price to Sales(TTM) 3.03 |
Enterprise Value 273.25B | Price to Sales(TTM) 3.03 | ||
Enterprise Value to Revenue 5.62 | Enterprise Value to EBITDA - | Shares Outstanding 3.00B | Shares Floating 2.99B |
Shares Outstanding 3.00B | Shares Floating 2.99B | ||
Percent Insiders 0.09 | Percent Institutions 79.59 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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