Wells Fargo
WFC NYSE· Diversified Banks
Last close · Oct 27, 2026
$82.66
KIRA · Stoqly’s AI analyst, in plain words
- Wells Fargo had $83.7B of revenue in fiscal 2025, up 1.7% on the year before. Over five years, revenue changed +2.4% a year on average.
- Wells Fargo made $21.3B of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 5.1% a year.
- Wells Fargo returned $23.0B to shareholders in fiscal 2025. The diluted share count fell 6.5%.
- It earned 11.9% on shareholders’ money. Running costs took 65.5% of revenue (the efficiency ratio; lower is better).
Market cap
$268.0B
P/E
12.0x
Revenue
$83.7B
Net income
$21.3B
Return on equity
11.9%
Efficiency ratio
65.5%
Wells Fargo in 30 seconds · fiscal 2025
Are sales growing?
+1.7%
Only a little. Sales grew 1.7% last year.
Does it make a profit?
25.5%
Yes. It keeps 25.5% of every sale as profit.
How lean are its costs?
65.5%
Costly. Running costs take 65.5% of revenue.
How much does it earn on its capital?
11.9%
Fair. It earns 11.9% a year on shareholders’ money.
How is the share priced?
12.0x
One share costs 12.0 times its yearly profit per share. Typical for its sector: 13.7x.
What Wells Fargo does
Wells Fargo is a bank holding company that provides banking, investment and mortgage products, along with consumer and commercial finance, to individuals, businesses and institutions, primarily in the United States. Its services range from checking and savings accounts, credit and debit cards, and home, auto and personal loans to wealth management, brokerage, investment banking and trading. At December 31, 2025, it had assets of approximately $2.1 trillion, loans of $986.2 billion and deposits of $1.4 trillion. Based on assets, it says it was the fourth largest bank holding company in the United States. It reports four segments. Consumer Banking and Lending serves consumers and small businesses. Commercial Banking serves private, family owned and certain public companies. Corporate and Investment Banking serves corporate, commercial real estate, government and institutional clients globally.
Biggest risks, in its own words
- Worse economic conditions or financial markets that hurt its lending and other businesses.
- Changes in interest rates or market values that reduce its net interest income and earnings.
- Fines, business restrictions and other penalties if it breaks rules or falls short of regulators' expectations.
- Higher credit losses, especially where its loans are concentrated by type, industry or location.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 24, 2026
- Legal name
- WELLS FARGO & COMPANY/MN
- CIK
- 0000072971
Wells Fargo · WFC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $79.2B | $74.4B | $82.6B | $82.3B | $83.7B |
| Revenue growth | 6.6% | −6.1% | 11.1% | −0.4% | 1.7% |
| Net interest income | $35.8B | $45.0B | $52.4B | $47.7B | $47.5B |
| Net income | $22.1B | $13.7B | $19.1B | $19.7B | $21.3B |
| Net margin | 27.9% | 18.4% | 23.2% | 24.0% | 25.5% |
| Diluted EPS | $5.08 | $3.27 | $4.83 | $5.37 | $6.26 |
| Cash | |||||
| Dividends paid | $2.4B | $4.2B | $4.8B | $5.1B | $5.4B |
| Share buybacks | $14.5B | $6.0B | $11.9B | $19.4B | $17.5B |
| Share count change | −0.9% | −6.3% | −3.0% | −6.8% | −6.5% |
| Debt and strength | |||||
| Loans, net | $882.9B | — | — | — | — |
| Deposits | $1.48T | $1.38T | $1.36T | $1.37T | $1.43T |
| Shareholders' equity | $187.6B | $180.2B | $185.7B | $179.1B | $181.1B |
| Returns and quality | |||||
| Return on equity | 11.9% | 7.4% | 10.5% | 10.8% | 11.9% |
| Return on tangible equity | 14.9% | 9.0% | 13.0% | 13.5% | 14.8% |
| Efficiency ratio | 67.9% | 76.9% | 67.3% | 66.3% | 65.5% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$10.1M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Wells Fargo · WFC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Net margin | ROE | P/E | F-score |
|---|---|---|---|---|---|---|
| Wells Fargo WFC | $268.0B | 1.7% | 25.5% | 11.9% | 12.0x | — |
| JPMorgan Chase JPM | $934.0B | 2.8% | 31.3% | 16.1% | 14.4x | — |
| Bank of America BAC | $389.3B | 6.8% | 27.0% | 10.2% | 11.7x | — |
| Citigroup C | $229.8B | 5.6% | 16.8% | 6.8% | — | — |
| Goldman Sachs GS | $289.6B | 8.9% | 29.5% | 13.9% | 14.1x | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $82.66 a share, the company is worth $268.0B: 12.0 times its earnings of the last four quarters.
Wells Fargo grew sales faster than 0 of its 4 similar companies. Its P/E is higher than 1 of 3.
Source: SEC EDGAR XBRL filings (CIK 0000072971). Data updated October 9, 2026. For information only — not investment advice. Check the original filings before relying on any figure.