US · WFC
Wells Fargo & Company
- Sector
- Financial Services · Banks - Diversified
- Headquarters
- San Francisco, CA 94104
- Website
- wellsfargo.com
Price · as of 2025-12-31
$80.81
Market cap 255.63B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $65.49 | -18.96% |
| Intrinsic Value(DCF) | $62.43 | -22.74% |
| Graham-Dodd Method(GD) | $52.08 | -35.55% |
| Graham Formula(GF) | $45.58 | -43.59% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $21.38 | $37.27 | $43.25 | $27.24 | $4.89 |
| 2012 | $25.39 | $39.41 | $29.58 | $27.34 | $43.41 |
| 2013 | $34.31 | $37.83 | $31.88 | $28.25 | $19.39 |
| 2014 | $40.70 | $37.99 | $34.01 | $28.99 | $33.27 |
| 2015 | $37.86 | $46.20 | $32.77 | $29.11 | $45.62 |
| 2016 | $45.89 | $48.43 | $30.82 | $29.09 | $65.20 |
| 2017 | $46.65 | $33.39 | $33.71 | $31.15 | $52.57 |
| 2018 | $41.19 | $31.98 | $37.38 | $29.59 | $53.11 |
| 2019 | $31.96 | $29.58 | $40.85 | $26.29 | $56.23 |
| 2020 | $35.56 | $24.03 | $32.55 | $20.17 | $0.00 |
| 2021 | $43.77 | $36.06 | $49.33 | $53.81 | $49.46 |
| 2022 | $38.30 | $29.90 | $44.11 | $37.85 | $30.60 |
| 2023 | $54.53 | $38.76 | $46.13 | $45.37 | $231.83 |
| 2024 | $69.54 | $37.79 | $52.39 | $46.43 | $95.26 |
| 2025 | $82.58 | $65.49 | $91.06 | $52.08 | $45.58 |
AI valuation
Our deep-learning model estimates Wells Fargo & Company's (WFC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $65.49
- Current price
- $80.81
- AI upside
- -18.96%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$62.43
-22.74% upside
Graham-Dodd
$52.08
-35.55% upside
Graham Formula
$45.58
-43.59% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| WFC | Wells Fargo & Company | $80.81 | 255.63B | -19% | -23% | -36% | -44% | 12.29 | 1.45 | 2.13 | 6.91 | 69.48 | 1.68 | 64.80% | 20.40% | 17.27% | 11.86% | 19.51% | 1.05% | 1.07 | 0.63 | 13.79 | 13.79 | 5.24 | 1769.00% | -149.00% | -72606.00% | -7.24% | -1.04 | -17.36% | 2.47% | 30.40% | 9.90% | 8.05 | -10.67 | 1.64 | 0.46 |
| BAC | Bank of America Corporati… | $49.83 | 363.88B | -30% | -32% | -34% | -48% | 12.02 | 1.21 | 1.94 | -6.31 | 64.53 | 1.57 | 55.42% | 18.48% | 16.23% | 10.19% | 371.61% | 0.91% | 1.21 | 0.44 | 0.42 | 0.42 | 3.66 | 1863.00% | -191.00% | -24325.00% | 3.44% | 0.00 | 153.03% | 2.61% | 31.30% | 70.57% | -6.62 | -18.31 | -1.22 | -0.26 |
| BCS | Barclays PLC | $24.28 | 84.05B | +59% | -29% | +19% | — | 8.71 | 0.80 | 2.33 | -16.00 | 43.53 | 0.90 | 108.66% | 37.28% | 26.74% | 9.59% | -3.84% | 0.47% | 2.20 | 0.47 | 0.58 | 0.58 | -5.41 | 2000.00% | -4805.00% | -24569.00% | -12.93% | -0.01 | 3.93% | 3.54% | 30.80% | 68.70% | -17.44 | 21.61 | -6.50 | -0.11 |
| BMO | Bank of Montreal | $143.93 | 102.03B | +100% | -42% | -73% | -55% | 15.33 | 1.52 | 1.71 | 32.39 | 75.53 | 2.01 | 41.56% | 14.78% | 11.14% | 10.13% | 2.35% | 0.60% | 4.72 | 0.27 | 0.14 | 0.14 | 25.12 | 2029.00% | -52.00% | -6901.00% | 6.36% | 0.01 | 2.29% | 3.76% | 57.70% | 6.30% | 38.51 | 52.26 | 5.69 | -0.60 |
| BNS | The Bank of Nova Scotia | $75.75 | 94.39B | +216% | +13% | -78% | +787% | 16.20 | 1.45 | 1.72 | 43.06 | — | 1.78 | 44.25% | 14.36% | 10.64% | 9.17% | 2.05% | 0.54% | 5.80 | 0.29 | 0.12 | 0.12 | 36.16 | -290.00% | 14820.00% | -6663.00% | 4.03% | 0.01 | 1.34% | 4.68% | 75.70% | 5.39% | 49.63 | 103.08 | 7.13 | -0.59 |
| C | Citigroup Inc. | $110.22 | 197.21B | +15% | -11% | -8% | -52% | 14.35 | 0.96 | 1.21 | 10.53 | 82.10 | 1.07 | 44.55% | 11.78% | 8.48% | 6.72% | 5.22% | 0.56% | 3.37 | 0.24 | 0.48 | 0.48 | 15.86 | 1748.00% | -141.00% | -18515.00% | 10.98% | 0.02 | 8.05% | 2.65% | 38.00% | 11.64% | 12.27 | 10.92 | 1.45 | -0.11 |
| CM | Canadian Imperial Bank of… | $100.96 | 94.12B | +88% | -45% | -69% | -68% | 14.03 | 1.85 | 1.91 | 31.49 | 79.17 | 2.13 | 43.02% | 17.64% | 13.59% | 13.76% | 2.77% | 0.78% | 5.55 | 0.33 | 0.13 | 0.13 | 24.76 | 1772.00% | -314.00% | -34456.00% | -20.62% | -0.03 | -8.00% | 3.37% | 47.20% | 5.96% | 34.89 | -15.61 | 6.15 | -0.59 |
| ING | ING Groep N.V. | $28.77 | 83.22B | +114% | -32% | +11% | — | 11.31 | 1.44 | 3.11 | 14.71 | 39.70 | 1.48 | 94.34% | 39.71% | 27.47% | 12.65% | 6.01% | 0.61% | 3.41 | — | 0.13 | 0.13 | 12.73 | 2848.00% | -6531.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 14.71 | — | 5.84 | -0.72 |
| JPM | JPMorgan Chase & Co. | $300.30 | 809.92B | -24% | +27% | -59% | -21% | 14.61 | 2.29 | 2.96 | 6.60 | 962.11 | 2.78 | 60.01% | 25.89% | 20.35% | 16.06% | -20.56% | 1.35% | 1.38 | 0.74 | 14.85 | 14.85 | 2.16 | 152.00% | 353.00% | -34009.00% | 12.16% | 1.56 | -36.35% | 2.00% | 29.30% | 21.26% | 6.60 | 4.75 | 1.71 | 0.62 |
| NU | Nu Holdings Ltd. | $14.98 | 72.38B | +125% | +3,767% | -65% | +95% | 25.59 | 6.50 | 4.62 | 24.39 | 56.86 | 7.14 | 44.85% | 24.36% | 18.07% | 30.30% | 28.60% | 4.59% | 3.34 | 0.84 | 0.40 | 0.40 | 6.81 | 4500.00% | 4299.00% | 28226.00% | 11.58% | 0.24 | 84.64% | 0.00% | 0.00% | 0.00% | 25.03 | 11.39 | 6.10 | 0.85 |
| RY | Royal Bank of Canada | $167.23 | 234.95B | +114% | -45% | -73% | -37% | 16.33 | 2.39 | 2.42 | 34.89 | 64.13 | 2.96 | 45.26% | 18.67% | 14.82% | 15.30% | 2.63% | 0.91% | 6.00 | 0.36 | 0.13 | 0.13 | 26.02 | 2547.00% | 213.00% | 15398.00% | 15.92% | 0.04 | 6.84% | 2.65% | 43.20% | 6.70% | 39.08 | 18.92 | 7.30 | -0.45 |
| TD | The Toronto-Dominion Bank | $97.36 | 164B | +109% | -38% | -59% | -52% | 11.01 | 1.77 | 1.95 | 28.09 | 7.60 | 2.14 | 49.01% | 20.67% | 17.73% | 16.90% | 3.47% | 0.99% | 5.19 | 0.44 | 0.12 | 0.12 | 20.93 | 14492.00% | -280.00% | -23607.00% | -31.75% | -0.04 | -12.14% | 3.39% | 37.30% | 12.60% | 30.64 | -10.22 | 6.33 | -0.61 |
| UBS | UBS Group AG | $41.43 | 130.91B | +65% | -41% | -13% | — | 16.88 | 1.15 | 1.76 | 5.25 | 73.30 | 1.25 | 63.65% | 11.89% | 10.43% | 7.02% | 5.01% | 0.39% | 3.82 | 0.33 | 0.42 | 0.42 | 14.12 | 2303.00% | -2043.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.14 | — | 0.85 | -0.27 |
About Wells Fargo & Company
Wells Fargo & Company, a diversified financial services company, provides 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 to corporate, commercial real estate, government, and institutional clients. Its products and services comprise 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. 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. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.
- CEO
- Charles W. Scharf
- Employees
- 215.37K
- Beta
- 1.06
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($62.43 ÷ $80.81) − 1 = -22.74% (DCF, example).