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Wells Fargo & Company

WFC
44
Banks - Diversified · Financial Services
Price
$84.31
+0.18 (+0.21%)
Market Cap
$258.00B
Winston Score
44
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Winston is serious
Mixed quality — meaningful strengths and weaknesses.

Winston Score between 40 and 70. The stock passes some quality checks but not all.

Wells Fargo is one of the largest banks in the United States. It offers everyday banking services like checking accounts, savings accounts, mortgages, and credit cards to regular people. It also serves businesses by providing loans, investment banking, and wealth management services.

Wells Fargo makes money by collecting interest on loans and charging fees for its many financial services. It operates almost entirely in the U.S., with thousands of physical branches and ATMs across the country, making it one of the most recognizable bank brands in America. The bank's large customer base and nationwide branch network give it a stable foundation, but it has operated under a Federal Reserve asset cap since 2018 — a regulatory penalty tied to a fake accounts scandal — which limits how large its balance sheet can grow until regulators lift the restriction.

Winston Score History

Politician Trades

36 trades / 12mo

18 Congressional buys and 18 sells on WFC in the last 12 months.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.3% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+14.9% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.2%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$174.8B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

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Growth context

Wells Fargo & Company is growing revenue at 7% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count falling — buybacks

−21.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 4.10B (2021) → 3.22B (2025)

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin
63.9%
Premium pricing power — 63.9% gross margin
Operating Margin
18.4%
Healthy — 18.4% operating margin
ROCE
0.9%
Weak — 0.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY
+1.7%
Nearly flat sales (1.7% YoY)
EPS YoY
+17.0%
Earnings growing fast (17.0% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion
5%
Weak — only 5% of profit becomes cash
FCF Margin
0.9%
Thin free cash flow (0.9%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity
2.53
Heavy debt load (2.53)
Interest Cover
0.63x
Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)
12.8x
Attractive valuation — P/E 12.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward
+1.2
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield
2.22%
Moderate income — 2.22% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth
+12.5%
Dividend growing fast (12.5% YoY)

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