WFC

$91.99

Public overview and default valuation.

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Valuation Details
Default assumptions: 10Y forecast, 9% market return, 2.5% terminal growth, -1.29% trendline growth.
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-$12.01

With 20% Margin of Safety (MoS):

-$9.61
-110.45% downside
Capital Efficiency
Average Quarterly ROIC
3.46%
Cost of Capital (estimated)11%
Value StatusUnderperforming Capital

The company is earning below its required return. This may indicate inefficient use of capital or excess cash that isn't being reinvested.

Complete historical ROIC is available with
.
Fundamental Score
9
BearishWeighted across 6 signals
DCF Discount
110.5% premium to price
0
FCF Yield
-4.9% trailing FCF yield
0
ROIC vs WACC
ROIC 3.5% vs WACC 11.0% (0.3x)
16
Net Debt / FCF
4.2x net debt to FCF
0
Buybacks
Share count flat
50
FCF CAGR (5Y)
-86.3% 5Y FCF CAGR (adjusted)
0
Pressure from: DCF Discount, FCF Yield.
Narrative Score
80
Strong
Weighted across 6 recent drivers · Last 30 daysVs 6-Month Baseline: High (91th pct)
Trend: Improving upConfidence: 91%Updated: 4h ago
Sources: 212 (News 200 · Analyst 12)
Drivers
46 regulatory scrutiny+2.3
149 news sentiment+1.1
2 earnings beat+0.0
Restructuring+0.0
Analyst downgrades-0.0
Downgrade headlines+0.0
Other Metrics
P/E13.7
Profit Margin17.3%
Owner Earnings$25.49b
One Dollar Premise25.00%
Debt/Equity10.23
Current Ratio0.33
PEG3.512
Free Cash Flow (in millions)
20052006200720082009201020112012201320142015201620172018201920202021202220232024
-$11,985$27,976$9,286-$4,788$28,613$18,772$13,665$58,540$57,641$17,529$15,904$1,008$18,722$36,073$6,730$2,051-$11,525$27,048$40,358-$14,218
How Intrinziq Estimates Fair Value

Intrinziq estimates Wells Fargo & Company's intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

Wells Fargo & CompanyFinancial Services

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.

Last updated: Feb 06, 2026
Data sources: Financial Modeling Prep
This valuation is based on assumptions and publicly available data. It is not financial advice or a recommendation to buy or sell any security. Always do your own research before making investment decisions.