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Upturn AI SWOT - About
WFC 
Wells Fargo & Company (WFC)
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Upturn Advisory Summary
07/29/2025: WFC (5-star) is a STRONG-BUY. BUY since 56 days. Profits (13.36%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
24 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $86.78
1 Year Target Price $86.78
| 10 | Strong Buy |
| 6 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 71.85% | Avg. Invested days 64 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 07/29/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 271.54B USD | Price to earnings Ratio 14.5 | 1Y Target Price 86.78 |
Price to earnings Ratio 14.5 | 1Y Target Price 86.78 | ||
Volume (30-day avg) 24 | Beta 1.16 | 52 Weeks Range 48.97 - 84.83 | Updated Date 07/29/2025 |
52 Weeks Range 48.97 - 84.83 | Updated Date 07/29/2025 | ||
Dividends yield (FY) 1.90% | Basic EPS (TTM) 5.73 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-15 | When Before Market | Estimate 1.4 | Actual 1.54 |
Profitability
Profit Margin 26.52% | Operating Margin (TTM) 32.49% |
Management Effectiveness
Return on Assets (TTM) 1.06% | Return on Equity (TTM) 11.5% |
Valuation
Trailing PE 14.5 | Forward PE 14.56 | Enterprise Value 211907624960 | Price to Sales(TTM) 3.5 |
Enterprise Value 211907624960 | Price to Sales(TTM) 3.5 | ||
Enterprise Value to Revenue 7.93 | Enterprise Value to EBITDA - | Shares Outstanding 3220369920 | Shares Floating 3212606632 |
Shares Outstanding 3220369920 | Shares Floating 3212606632 | ||
Percent Insiders 0.09 | Percent Institutions 79.45 |
Upturn AI SWOT
Wells Fargo & Company
Company Overview
History and Background
Wells Fargo & Company traces its roots back to 1852 with the founding of Wells, Fargo & Company. Initially a bank and express delivery service, it played a crucial role in the American West. Over time, it evolved into a diversified financial services company through mergers and acquisitions, including its merger with Norwest Corporation in 1998.
Core Business Areas
- Community Banking: Provides a range of financial products and services to consumers and small businesses, including checking and savings accounts, loans, and credit cards.
- Corporate & Investment Banking: Offers financial solutions to large corporations, including investment banking, commercial lending, and treasury management services.
- Wealth & Investment Management: Provides wealth management, investment advisory, and retirement planning services to individuals and institutions.
- Commercial Banking: Services Middle Market, Government, and Real Estate Businesses
Leadership and Structure
The current CEO is Charles W. Scharf. The company operates with a board of directors and a management team overseeing various business segments.
Top Products and Market Share
Key Offerings
- Mortgages: Wells Fargo is a major mortgage lender. Market share varies, but it is consistently among the top lenders in the US. Competitors include JPMorgan Chase, Bank of America, Rocket Mortgage. Market share fluctuates around 6% to 10% depending on interest rates and economy.
- Credit Cards: Offers a variety of credit cards for consumers and businesses. Competitors include American Express, Capital One, and JPMorgan Chase. Credit Card Market Share fluctuates around 5-7%.
- Commercial Lending: Provides loans and credit lines to businesses of all sizes. Competitors include Bank of America, Citigroup, and U.S. Bank. Market Share is 5%.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes and economic conditions. It involves providing financial products and services to individuals, businesses, and governments.
Positioning
Wells Fargo is positioned as a large, diversified financial institution. Its competitive advantages include its large customer base and branch network.
Total Addressable Market (TAM)
The estimated TAM for the US banking industry is in the trillions of dollars. Wells Fargo's positioning is strong because they are among the largest banks in the United States.
Upturn SWOT Analysis
Strengths
- Large customer base
- Extensive branch network
- Diversified business model
- Strong brand recognition
Weaknesses
- Past regulatory issues and scandals
- Inefficient operations
- Damaged Reputation
- Compliance costs
Opportunities
- Digital transformation and innovation
- Expanding wealth management services
- Growing in new markets
- Interest Rate environment
Threats
- Increased competition from fintech companies
- Economic downturns
- Changes in regulatory landscape
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co. (JPM)
- Bank of America Corp. (BAC)
- Citigroup Inc. (C)
- U.S. Bancorp (USB)
Competitive Landscape
Wells Fargo faces intense competition from other large banks, regional players, and fintech companies. Its advantages include its large customer base, while its disadvantages include its regulatory challenges and reputation.
Major Acquisitions
GE Capital's Commercial Distribution Finance (CDF) and Vendor Finance businesses
- Year: 2016
- Acquisition Price (USD millions): 30000
- Strategic Rationale: Expanded Wells Fargo's commercial lending capabilities.
Growth Trajectory and Initiatives
Historical Growth: Wells Fargo's historical growth has been impacted by acquisitions, economic conditions, and regulatory challenges. Growth in revenue and assets has varied over the past decade.
Future Projections: Future growth is projected to be driven by digital transformation, wealth management expansion, and improvements in efficiency. Analyst estimates can be researched for specific projections.
Recent Initiatives: Recent initiatives include investments in technology, cost-cutting measures, and efforts to improve regulatory compliance.
Summary
Wells Fargo is a large, diversified financial institution facing both opportunities and challenges. The company benefits from its broad customer base and established network, but it must address past regulatory issues and compete with innovative fintech companies. Investing in technology and improving efficiency are crucial for its future growth, along with navigating economic uncertainties that many other banks face as well. Overall, Wells Fargo needs to maintain strong customer relationships as its stock price is dependent on trust and reliability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Industry publications
- Financial news sources
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute 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 | President, CEO & Director Mr. Charles W. Scharf | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 212804 | Website https://www.wellsfargo.com |
Full time employees 212804 | 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.
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