Wells Fargo & Company/Mn (New York Stock Exchange:WFC)
Insiders here have filed 2 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Keeps a healthy share of every dollar it sells.
- Revenue
- $130.46B
- Net income
- $23.01B
- Net margin
- 17.6%
Heavily indebted for what it earns.
- Total debt
- $441.56B
- Cash
- $181.06B
- Net debt / EBITDA
- 7.81x
Owes more within a year than it holds to pay it.
- Current assets
- $1091.77B
- Current liabilities
- $1817.50B
- Current ratio
- 0.60
The business funds itself from operations.
- Operating cash flow
- $28.91B
- Free cash flow
- $28.91B
- FCF margin
- 22.2%
Not funding itself by issuing shares.
- Shares outstanding
- 3015.8M
- Share growth (1y)
- -5.1%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
WFC Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | $33.26 B | $33.59 B | $31.80 B | $31.82 B | $31.91 B | $30.18 B |
| Revenue Growth (YoY) | 4.25 % | 11.29 % | 7.32 % | 3.98 % | 0.73 % | -4.64 % |
| Cost of Revenue | $12.42 B | $11.88 B | $11.48 B | $11.31 B | $11.15 B | $10.62 B |
| Gross Profit | $20.84 B | $21.71 B | $20.31 B | $20.50 B | $20.75 B | $19.56 B |
| SG&A Expense | $11.38 B | $11.47 B | $1.77 B | $12.13 B | $9.46 B | $9.13 B |
| R&D Expense | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Operating Expenses | $13.74 B | $13.66 B | $14.46 B | $13.98 B | $13.85 B | $13.13 B |
| Operating Income | $7.10 B | $8.05 B | $5.85 B | $6.53 B | $6.91 B | $6.44 B |
| Pretax Income | $7.10 B | $8.05 B | $5.98 B | $6.53 B | $6.91 B | $6.44 B |
| Tax Provision | $1.16 B | $1.40 B | $728.00 M | $1.10 B | $1.30 B | $916.00 M |
| Net Income | $5.95 B | $6.41 B | $5.29 B | $5.36 B | $5.59 B | $5.49 B |
| EPS (Basic) | $1.89 | $2.02 | $1.62 | $1.69 | $1.68 | $1.61 |
| EPS (Diluted) | $1.87 | $2.00 | $1.60 | $1.67 | $1.66 | $1.60 |
| Shares Outstanding | 3.02 B | 3.05 B | 3.18 B | 3.18 B | 3.18 B | 3.23 B |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.