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WFC · NYSE · United States · National Commercial Banks
In shortWELLS FARGO & COMPANY/MN is profitable.
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 25.5% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 11.8% | 59/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | -22.7% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | -0.89× | n/a |
| Years with positive free cash flow (last 5) | 3 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 2 of 5 | 33/100 |
| Revenue growth volatility | 6.6% | 87/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 4.0% | 39/100 |
|---|---|---|
| EPS growth, 3-year average | 24.2% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 79,166 | 74,368 | 82,597 | 82,296 | 83,699 |
| Interest expense | 3,915 | 9,074 | 32,743 | – | – |
| Pre-tax income | 29,563 | 15,629 | 21,636 | 23,364 | 25,199 |
| Income tax | 5,764 | 2,251 | 2,607 | 3,399 | 3,841 |
| Net income | 22,109 | 13,677 | 19,142 | 19,722 | 21,338 |
| Diluted EPS | $5.08 | $3.27 | $4.83 | $5.37 | $6.26 |
| Diluted shares (millions) | 4,096 | 3,837 | 3,720 | 3,468 | 3,242 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
3/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Jul 28, 2026