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Upturn AI SWOT - About
WFC 
Wells Fargo & Company (WFC)
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Upturn Advisory Summary
02/20/2025: WFC (4-star) is a STRONG-BUY. BUY since 23 days. Profits (2.52%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 32.57% | Avg. Invested days 50 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 02/20/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 232.84B USD | Price to earnings Ratio 13.28 | 1Y Target Price 83.05 |
Price to earnings Ratio 13.28 | 1Y Target Price 83.05 | ||
Volume (30-day avg) 15591240 | Beta 1.16 | 52 Weeks Range 49.24 - 81.30 | Updated Date 04/1/2025 |
52 Weeks Range 49.24 - 81.30 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.23% | Basic EPS (TTM) 5.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.3% | Operating Margin (TTM) 29.26% |
Management Effectiveness
Return on Assets (TTM) 1.03% | Return on Equity (TTM) 10.84% |
Valuation
Trailing PE 13.28 | Forward PE 12.2 | Enterprise Value 175863578624 | Price to Sales(TTM) 3.01 |
Enterprise Value 175863578624 | Price to Sales(TTM) 3.01 | ||
Enterprise Value to Revenue 5.3 | Enterprise Value to EBITDA - | Shares Outstanding 3265159936 | Shares Floating 3280426462 |
Shares Outstanding 3265159936 | Shares Floating 3280426462 | ||
Percent Insiders 0.09 | Percent Institutions 78.64 |
Analyst Ratings
Rating 3.88 | Target Price 77.3 | Buy 5 | Strong Buy 9 |
Buy 5 | Strong Buy 9 | ||
Hold 10 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Wells Fargo & Company
Company Overview
History and Background
Wells Fargo & Company traces its roots back to 1852 with the founding of Wells Fargo & Company, a banking and express transportation business. The company has evolved through mergers and acquisitions, becoming one of the largest banks in the United States.
Core Business Areas
- Consumer Banking and Lending: Offers a wide range of financial products and services to consumers, including checking and savings accounts, credit cards, mortgages, and auto loans.
- Commercial Banking: Provides financial solutions to businesses, including lending, treasury management, and investment banking services.
- Corporate and Investment Banking: Delivers investment banking, capital markets, and commercial banking products and services to corporate clients.
- Wealth and Investment Management: Offers wealth management, investment advisory, and brokerage services to individuals and institutions.
Leadership and Structure
Wells Fargo is led by CEO Charles W. Scharf. The organizational structure includes various business segments, each headed by senior executives, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Market Share (%): 10.8
- Mortgages: Wells Fargo is a significant player in the mortgage market. Competitors include JPMorgan Chase (JPM) and Bank of America (BAC).
- Credit Cards: Offers a variety of credit card products. Competitors include American Express (AXP) and Capital One (COF).
- Market Share (%): 4.6
- Auto Loans: Provides financing for new and used vehicles.
- Market Share (%): 2.8
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles.
Positioning
Wells Fargo is one of the largest banks in the U.S., with a large branch network and a diversified range of financial services. Its competitive advantage is its broad customer base.
Total Addressable Market (TAM)
The global banking market is estimated at trillions of dollars. Wells Fargo captures a portion of this TAM through its various banking services and customer base. TAM is constantly changing.
Upturn SWOT Analysis
Strengths
- Large Branch Network
- Diversified Business Model
- Strong Brand Recognition
- Significant Deposit Base
Weaknesses
- Reputational Damage from Past Scandals
- Regulatory Scrutiny
- Inefficient Operations
- Higher Cost to Revenue
Opportunities
- Expanding Digital Banking Services
- Growing Wealth Management Business
- Increasing Interest Rates
- Expanding into Underserved Markets
Threats
- Increased Competition from Fintech Companies
- Economic Downturn
- Cybersecurity Risks
- Changing Regulatory Landscape
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
Competitive Landscape
Wells Fargo faces intense competition from other large banks and fintech companies. It needs to improve its reputation and efficiency to compete effectively.
Major Acquisitions
GE Capital's Commercial Distribution Finance and Vendor Finance businesses
- Year: 2016
- Acquisition Price (USD millions): 30000
- Strategic Rationale: Increased Wells Fargo's commercial lending portfolio and expanded its presence in equipment financing.
Growth Trajectory and Initiatives
Historical Growth: Wells Fargo's growth has been impacted by past scandals and regulatory issues.
Future Projections: Analysts expect moderate growth for Wells Fargo, driven by improvements in efficiency and digital banking initiatives.
Recent Initiatives: Focus on improving customer service, resolving regulatory issues, and investing in technology.
Summary
Wells Fargo is a large bank with a substantial customer base. Although it faces challenges from past scandals and regulatory issues, it has the potential to grow through improved efficiency and digital banking initiatives. The company must also improve its reputation and adapt to the changing financial landscape to remain competitive. Its financial position is stable and may need to improve on its cost efficiency. Improving its customer service is vital to maintain its current customer base and to draw new customers.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
C
Citigroup Inc
C
Citigroup Inc
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
USB
U.S. Bancorp
USB
U.S. Bancorp
Sources and Disclaimers
Data Sources:
- Company Filings (10K, 10Q)
- Market Research Reports
- Analyst Estimates
- Public News Sources
Disclaimers:
This analysis is based on publicly available information and analyst estimates. Financial data is subject to change. Investment decisions should be based on individual research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Wells Fargo & Company
Exchange NYSE | Headquaters San Francisco, CA, United States | ||
IPO Launch date 1972-06-01 | President, CEO & Director Mr. Charles W. Scharf | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 217000 | Website https://www.wellsfargo.com |
Full time employees 217000 | Website https://www.wellsfargo.com | ||
Wells Fargo & Company, a financial services company, provides diversified 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, such as 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 to corporate, commercial real estate, government, and institutional clients. 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 in brokerage and wealth offices, consumer bank branches, independent offices, and digitally through WellsTrade and Intuitive Investor. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.
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