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Intrinsic value of Wells Fargo & Company (WFC)

Previous Close$43.76
Intrinsic Value
Upside potential
Previous Close
$43.76
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh46.51 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Wells Fargo & Company, a diversified financial services company, provides banking, investment, mortgage, and consumer and commercial finance products and services to individuals, businesses, and institutions in the United States and internationally. It operates in three segments: Community Banking, Wholesale Banking, and Wealth and Investment Management. The Community Banking segment offers checking and savings accounts; credit and debit cards; and automobile, student, mortgage, home equity, and small business lending products. The Wholesale Banking segment provides commercial, corporate, capital markets, cash management, and real estate banking products and services, including traditional commercial loans and lines of credit, letters of credit, asset-based lending, equipment leasing, international trade facilities, trade financing, collection services, foreign exchange services, treasury management, institutional fixed-income sales, interest rate, commodity and equity risk management, online/electronic products, corporate trust fiduciary and agency services, and investment banking services. It also offers commercial and residential development, land acquisition and development, rehabilitation, permanent securitization, and commercial real estate loans; secured and unsecured lines of credit; affordable housing loans and letters of credit; and interim financing arrangements. The Wealth and Investment Management segment provides personalized wealth management, investment, and retirement products and services; and delivers financial planning, private banking, credit, investment management, and fiduciary services. The company also offers brokerage, and Internet and mobile banking services; and has collaboration with National LGBT Chamber of Commerce. As of March 16, 2020, it operated through 7,400 locations; approximately 13,000 ATMs; and offices in 32 countries and territories. The Company was founded in 1852 and is headquartered in San Francisco, California.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %9.7NaN
Revenue, $81509NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m52617NaN
Operating income, $m28892NaN
EBITDA, $m36782NaN
Interest expense (income), $mNaN
Earnings before tax, $m25834NaN
Tax expense, $m5578NaN
Net income, $m20256NaN

BALANCE SHEET

Cash and short-term investments, $m388718NaN
Total assets, $m1958746NaN
Adjusted assets (=assets-cash), $m1570028NaN
Average production assets, $m46921NaN
Working capital, $m-292606NaN
Total debt, $m199574NaN
Total liabilities, $m1771140NaN
Total equity, $m187606NaN
Debt-to-equity ratio1.064NaN
Adjusted equity ratio-0.096NaN

CASH FLOW

Net income, $m20256NaN
Depreciation, amort., depletion, $m7890NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m26771NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-98NaN
Free cash flow, $m26869NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-292606
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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