Wells Fargo
WFC NYSE Diversified Banks 금융 FY2016–FY2025
Wells Fargo's revenue rose 1.7% to $83.7 billion in fiscal 2025. Net income was $21.3 billion, up 8.2%. Its return on equity was 11.8%, up from 10.8% a year earlier. Its efficiency ratio was 65.5%, down from 66.3% a year earlier. It paid out $22.9 billion in dividends and buybacks. The diluted share count fell 6.5%.
이 수치에 대해. Wells Fargo's filings tag its loans only by category, so loan-based ratios are left blank.
Wells Fargo의 사업
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. Wealth and Investment Management serves affluent and very wealthy clients through financial advisors and online. It competes with other banks, credit unions, finance companies, insurers, investment banks and mutual fund companies, as well as with private credit firms and financial technology companies.
Wells Fargo is subject to a 2018 consent order with the Federal Reserve on its board's governance and oversight and on its compliance and operational risk management. On June 3, 2025, it confirmed that the Federal Reserve had removed the order's limit on growth in its total assets; the order's other provisions are still in place. It had approximately 205,000 active employees at the end of 2025, approximately 76% of them based in the United States.
- 법인명
- WELLS FARGO & COMPANY/MN
- 회계연도 종료일
- 2025년 12월 31일
- 최근 연차보고서
- 10-K · 2026년 2월 24일
- 접수 번호 · CIK
- 0000072971-26-000133
0000072971
매출과 이익률
Wells Fargo의 2025 회계연도 매출은 $83.7B로 전년 대비 1.7% 증가했습니다.
순이익과 주당순이익
2016 회계연도부터 2025 회계연도까지 희석 EPS는 연평균 5.1% 성장했습니다. 손실 기간은 빨간색으로 표시됩니다.
수익성과 효율성
은행의 경우 자기자본이익률과 효율성 비율(수익 대비 비용)이 사업이 얼마나 잘 운영되는지를 가장 잘 보여줍니다.
배당, 자사주 매입, 주식 수
Wells Fargo은(는) 2025 회계연도에 주주에게 $23.0B을(를) 환원했습니다. 희석 주식 수는 6.5% 감소했습니다.
Wells Fargo 직접 평가하기
가정을 바꿔 주당 가치가 어떻게 달라지는지 확인하세요. 이는 모델일 뿐 예측이나 목표주가가 아니며, 결과는 전적으로 입력값에 달려 있습니다.
이익 배수
주당 가치
—
참고 배수: 현재 12.0x · 동종 기업 13.9x · 섹터 13.7x.
재무상태표
각 회계연도 말의 대출, 예금, 자본.
| 회계연도 말 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| 대출(순액) | $882.9B | — | — | — | — |
| 예금 | $1.48T | $1.38T | $1.36T | $1.37T | $1.43T |
| 대출 / 예금 | 59.6% | — | — | — | — |
| 총자산 | $1.95T | $1.88T | $1.93T | $1.93T | $2.15T |
| 자기자본 | $187.6B | $180.2B | $185.7B | $179.1B | $181.1B |
| 영업권 | $25.2B | $25.2B | $25.2B | $25.2B | $25.0B |
| 무형자산 | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| 충당금 / 대출 | −0.5% | — | — | — | — |
내부자 거래
임원, 이사, 지분 10% 이상 보유자의 장내 매수·매도(Form 4 신고 기준). ‘계획’은 사전에 정한 Rule 10b5-1 계획에 따른 거래를 뜻합니다.
매수(12개월)
$0.0M
내부자 0명
매도(12개월)
$10.1M
내부자 3명
매도 중 계획 거래 비중
0%
$0.0M
유사 기업
각 기업의 최근 회계연도 기준입니다. 회계연도 종료 월이 달라 기간이 정확히 일치하지는 않습니다.
| 기업 | 시가총액 | 성장률 | 영업이익률 | FCF 마진 | ROIC | PER | F-스코어 | |
|---|---|---|---|---|---|---|---|---|
| Wells Fargo WFC | $267.1B | 1.7% | — | — | — | 12.0x | — | |
| JPMorgan Chase JPM | $922.3B | 2.8% | — | — | — | 14.2x | — | 비교 → |
| Bank of America BAC | $388.3B | 6.8% | — | — | — | 11.6x | — | 비교 → |
| Citigroup C | $225.9B | 5.6% | — | — | — | — | — | 비교 → |
| Goldman Sachs GS | $278.1B | 8.9% | — | — | — | 13.5x | — | 비교 → |
10년치 수치
금액 단위는 USD입니다. 지표 이름에 마우스를 올리면 정의가 표시됩니다.
| 회계연도 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| 손익계산서 | ||||||||||
| 매출 | $88.3B | $88.4B | $86.4B | $85.1B | $74.3B | $79.2B | $74.4B | $82.6B | $82.3B | $83.7B |
| 순이자이익 | $47.8B | $49.6B | $50.0B | $47.3B | $40.0B | $35.8B | $45.0B | $52.4B | $47.7B | $47.5B |
| 비이자이익 | $40.5B | $38.8B | $36.4B | $39.5B | $34.3B | $43.4B | $29.4B | $30.2B | $34.6B | $36.2B |
| 비이자비용 | $52.4B | $58.5B | $56.1B | $58.2B | $57.6B | $53.8B | $57.2B | $55.6B | $54.6B | $54.8B |
| 대손충당금 | $3.8B | $2.5B | $1.7B | $2.7B | $14.1B | −$4.2B | $1.5B | $5.4B | $4.3B | $3.7B |
| 세전이익 | $32.1B | $27.4B | $28.5B | $26.0B | $2.5B | $29.6B | $15.6B | $21.6B | $23.4B | $25.2B |
| 법인세 | $10.1B | $4.9B | $5.7B | $5.8B | −$1.2B | $5.8B | $2.3B | $2.6B | $3.4B | $3.8B |
| 순이익 | $21.9B | $22.2B | $22.4B | $19.7B | $3.4B | $22.1B | $13.7B | $19.1B | $19.7B | $21.3B |
| 보통주 귀속 순이익 | $20.4B | $20.6B | $20.7B | $18.1B | $1.8B | $20.8B | $12.6B | $18.0B | $18.6B | $20.3B |
| 희석 EPS | $3.99 | $4.10 | $4.28 | $4.09 | $0.43 | $5.08 | $3.27 | $4.83 | $5.37 | $6.26 |
| 희석 주식 수 | 5.11B | 5.02B | 4.84B | 4.43B | 4.13B | 4.10B | 3.84B | 3.72B | 3.47B | 3.24B |
| 현금흐름 | ||||||||||
| 주식보상비용 | $779M | $849M | $1.0B | $1.2B | $622M | $1.0B | $978M | $1.1B | $1.3B | $1.5B |
| 자사주 매입 | $8.1B | $9.9B | $20.6B | $24.5B | $3.4B | $14.5B | $6.0B | $11.9B | $19.4B | $17.5B |
| 지급 배당금 | $7.5B | $7.5B | $7.7B | $8.2B | $4.9B | $2.4B | $4.2B | $4.8B | $5.1B | $5.4B |
| 배당과 자사주 매입 | $15.6B | $17.4B | $28.3B | $32.7B | $8.3B | $16.9B | $10.2B | $16.6B | $24.6B | $23.0B |
| 재무상태표 | ||||||||||
| 대출(순액) | $956.2B | $945.8B | $943.3B | $952.7B | $869.1B | $882.9B | — | — | — | — |
| 예금 | $1.31T | $1.34T | $1.29T | $1.32T | $1.40T | $1.48T | $1.38T | $1.36T | $1.37T | $1.43T |
| 영업권 | $26.7B | $26.6B | $26.4B | $26.4B | $26.4B | $25.2B | $25.2B | $25.2B | $25.2B | $25.0B |
| 무형자산 | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| 총자산 | $1.93T | $1.95T | $1.90T | $1.93T | $1.95T | $1.95T | $1.88T | $1.93T | $1.93T | $2.15T |
| 우선주 | $24.6B | $25.4B | $23.2B | $21.5B | $21.1B | $20.1B | $19.4B | $19.4B | $18.6B | $16.6B |
| 자기자본 | $199.6B | $206.9B | $196.2B | $187.1B | $184.7B | $187.6B | $180.2B | $185.7B | $179.1B | $181.1B |
| 이익률 | ||||||||||
| 순이익률 | 24.9% | 25.1% | 25.9% | 23.2% | 4.6% | 27.9% | 18.4% | 23.2% | 24.0% | 25.5% |
| 수익 중 순이자이익 비중 | 54.1% | 56.1% | 57.9% | 55.6% | 53.8% | 45.2% | 60.4% | 63.4% | 57.9% | 56.7% |
| 효율성 비율 | 59.3% | 66.2% | 65.0% | 68.4% | 77.6% | 67.9% | 76.9% | 67.3% | 66.3% | 65.5% |
| 수익성 | ||||||||||
| 자기자본이익률 | 11.2% | 10.9% | 11.1% | 10.3% | 1.8% | 11.9% | 7.4% | 10.5% | 10.8% | 11.9% |
| 총자산이익률 | 1.2% | 1.1% | 1.2% | 1.0% | 0.2% | 1.1% | 0.7% | 1.0% | 1.0% | 1.1% |
| 유형자기자본이익률 | 13.9% | 13.6% | 13.7% | 12.7% | 1.3% | 14.9% | 9.0% | 13.0% | 13.5% | 14.8% |
| 성장률 | ||||||||||
| 매출 성장률 | 2.6% | 0.1% | −2.2% | −1.6% | −12.7% | 6.6% | −6.1% | 11.1% | −0.4% | 1.7% |
| 순이익 성장률 | −4.2% | 1.1% | 1.0% | −12.0% | −82.9% | 554.7% | −38.1% | 40.0% | 3.0% | 8.2% |
| EPS 성장률 | −3.2% | 2.8% | 4.4% | −4.4% | −89.5% | 1,081.4% | −35.6% | 47.7% | 11.2% | 16.6% |
| 주식 수 변화 | −2.0% | −1.8% | −3.6% | −8.5% | −6.6% | −0.9% | −6.3% | −3.0% | −6.8% | −6.5% |
| 재무 건전성 | ||||||||||
| 대출 / 예금 | 73.2% | 70.8% | 73.3% | 72.0% | 61.9% | 59.6% | — | — | — | — |
| 충당금 / 대출 | 0.4% | 0.3% | 0.2% | 0.3% | 1.6% | −0.5% | — | — | — | — |
| 자본 배분 | ||||||||||
| 주식보상 / 매출 | 0.9% | 1.0% | 1.2% | 1.4% | 0.8% | 1.3% | 1.3% | 1.4% | 1.6% | 1.8% |
출처: SEC EDGAR XBRL 공시 (CIK 0000072971). 2026년 10월 9일 업데이트. 4분기는 연간 수치에서 첫 9개월을 뺀 값입니다. 정보 제공용일 뿐 투자 조언이 아닙니다. 수치를 활용하기 전에 원본 공시를 확인하세요.