Keuangan Wells Fargo & Company (WFC)
NYSE · Financial Services · Banks - Diversified · Karyawan: 194.369 · CEO: Charles W. Scharf
- Harga
- $83,42 -1,64%
- Kapitalisasi pasar
- $250 M
- Nilai perusahaan
- $431 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-28
- Laporan berikutnya
- 2027-01-14
Pendapatan (TTM)$130 M+6,7% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)21,1%+1,4 poin vs tahun laluLaba operasional: $27,5 M
Laba bersih (TTM)$23 M+9,3% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$28,9 M+303,3% vs tahun laluCapex: $0
EPS dilusian (TTM)$7,14+17,4% vs tahun laluJumlah 4 kuartal terakhir
Kas neto$75,3 M+369,1% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $250 M EV $431 M
- Pendapatan
- $130 M 12 bulan terakhir
- Pertumbuhan pendapatan
- – Tahun fiskal berikutnya
- Margin laba
- 17,6% Laba bersih / pendapatan, TTM
- P/E
- 11,6×
- P/S
- 1,9× Harga / penjualan, TTM
- EV / EBITDA
- 12,9× TTM
- Arus kas bebas
- $28,9 M 12 bulan terakhir
- Laba bersih
- $23 M 12 bulan terakhir
- Estimasi pendapatan
- – Tahun fiskal berikutnya
- Laba
- 2027-01-14
- Dividen
- $1,85 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Pertumbuhan pendapatan melambat: 4,3% yoyPendapatan Q3 '26: $33,3 M, rata-rata empat kuartal sebelumnya: 5,8%.
- Margin operasional 21,1% (TTM), dibanding tahun lalu: +1,4 poinLaba operasional tumbuh 14,4%, pendapatan tumbuh 6,7%.
- Capex: 0,0% dari pendapatan (tahun lalu 0,0%)$0 diinvestasikan dalam 4 kuartal terakhir (– dibanding tahun sebelumnya). Arus kas bebas: $28,9 M = 125,6% dari laba bersih.
- $20,2 M dikembalikan ke pemegang saham = 69,8% dari arus kas bebasBuyback: $14,5 M (tahun lalu $16,5 M), dividen: $5,66 M, kompensasi saham: $0 (TTM).
- Jumlah saham dilusian turun dalam setahun: 5,2%Saham dilusian pada Q3 '26: 3,05 M, setahun sebelumnya: 3,22 M.
- Kas neto: $75,3 MKas + investasi jangka pendek: $296 M, utang termasuk sewa: $221 M; tahun lalu utang neto: $28 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $33,3 M | $31,9 M | +4,3% |
| Margin kotor | 62,7% | 65,1% | -2,4 poin |
| Laba operasional | $7,1 M | $6,91 M | +2,7% |
| Margin operasional | 21,3% | 21,7% | -0,3 poin |
| Laba bersih | $5,95 M | $5,59 M | +6,5% |
| EPS dilusian | $1,87 | $1,66 | +12,7% |
| Arus kas operasional | $8,87 M | -$869 jt | +1.120,4% |
| Capex | $0 | $0 | – |
| Arus kas bebas | $8,87 M | -$869 jt | +1.120,4% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $0 | $0 | – |
Pendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q3 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Consumer Banking and Lending | – | – | – | – | – | |
| Corporate and Investment Banking | – | – | – | – | – | |
| Investment Advice | $4,87 M | +11,0% | 68,3% | – | – | |
| Wealth and Investment Management | – | – | – | – | – | |
| Commercial Banking | – | – | – | – | – | |
| Card Interchange And Network Revenues | $852 jt | -51,9% | 11,9% | – | – | |
| Deposit Account | $1,42 M | +9,7% | 19,8% | – | – | |
| Reconciling Items | – | – | – | – | – | |
| Corporate | – | – | – | – | – | |
| Credit Card, Merchant Discount | -$2 jt | – | -0,0% | – | – |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $28,9 M
- Capex
- $0
- Buyback
- -$14,5 M
- Dividen
- -$5,66 M
- Akuisisi
- $0
- Utang neto diterbitkan
- -$71,6 M
- Kompensasi berbasis saham
- $0
- Arus kas bebas
- $28,9 M
- Dikembalikan ke pemegang saham / FCF
- 69,8%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 11,6× | 12,0× | 9,6× – 14,6× |
| EV / EBITDA | 12,9× | 9,9× | 4,2× – 16,6× |
| EV / Penjualan | 3,3× | 2,7× | 1,9× – 4,4× |
| Harga / FCF | 8,7× | 29,9× 3 dari 5 tahun | 4,5× – 79,3× |
| Harga / Nilai buku | 1,4× | 1,2× | 0,9× – 1,6× |
| Imbal hasil FCF | 11,5% | 5,7% | -6,4% – 22,2% |
| Imbal hasil modal yang diinvestasikan | 6,2% | 3,8% | 3,1% – 6,0% |
| Imbal hasil ekuitas | 12,9% | 10,5% | 7,6% – 11,8% |
Analis
Target konsensus $97,14 (+16,4%)
rentang $92,00 – $104,00 · peringkat Buy
Beli kuat0
Beli28
Tahan28
Jual4
Jual kuat0
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 361 angka yang ditandai Wells Fargo & Company dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| Accounts Payable and Accrued Liabilities | $75,1 M | $92,6 M | -18,9% | $68,2 M | $61,1 M | +11,5% |
| Accounts Receivable, after Allowance for Credit Loss | $25,1 M | $20,9 M | +20,0% | $19,7 M | $19,6 M | +0,2% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$16,5 M | -$7,65 M | -115,9% | -$6,67 M | -$12,2 M | +45,2% |
| Additional Collateral, Aggregate Fair Value | $4,7 M | $3,2 M | +46,9% | $3,7 M | $4,1 M | -9,8% |
| Additional Paid in Capital | $61,5 M | $61 M | +0,8% | $61,3 M | $60,8 M | +0,8% |
| Assets | $2,25 T | $2,06 T | +9,2% | $2,15 T | $1,93 T | +11,3% |
| AssetsAverageOutstanding | $2,24 T | $2,01 T | +11,6% | $1,99 T | $1,92 T | +3,6% |
| Cash and Due from Banks | $40,6 M | $34,8 M | +16,5% | $39,2 M | $37,1 M | +5,7% |
| Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months | -$509 jt | $131 jt | -488,5% | -$141 jt | -$547 jt | +74,2% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $179 M | $173 M | +4,0% | $173 M | $202 M | -14,5% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$22,1 M | -$20,6 M | -7,2% | -$29,3 M | -$34,2 M | +14,2% |
| Collateral Already Posted, Aggregate Fair Value | $26,1 M | $20,5 M | +27,3% | $22,7 M | $19,8 M | +14,6% |
| Common Stock, Capital Shares Reserved for Future Issuance | 203 jt2025-12-31 | 233 jt | -12,9% | 203 jt | 233 jt | -12,9% |
| Common Stock, Dividends, Per Share, Declared | $0,50 | $0,45 | +11,1% | $1,70 | $1,50 | +13,3% |
| Common Stock, Par or Stated Value Per Share | $1,67 | $1,67 | 0,0% | $1,67 | $1,67 | 0,0% |
| Common Stock, Shares Authorized | 9 M | 9 M | 0,0% | 9 M | 9 M | 0,0% |
| Common Stock, Shares, Issued | 5,48 M | 5,48 M | 0,0% | 5,48 M | 5,48 M | 0,0% |
| Common Stock, Shares, Outstanding | 3 M | 3,15 M | -4,7% | 3,09 M | 3,29 M | -6,0% |
| Common Stock, Value, Issued | $9,14 M | $9,14 M | 0,0% | $9,14 M | $9,14 M | 0,0% |
| Compensation Expense, Excluding Cost of Good and Service Sold | $8,75 M | $9,02 M | -3,1% | $36,3 M | $35,7 M | +1,5% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | -$2,28 M | $7,31 M | -131,3% | $26,8 M | $19,1 M | +40,3% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | -$2,3 M | $7,33 M | -131,4% | $26,9 M | $19,4 M | +38,7% |
| Continuing Involvement with Transferred Financial Assets, Principal Amount Outstanding | $617 jt | $3,2 M | -80,7% | $3,08 M | $79,8 M | -96,1% |
| Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset | $276 jt | $347 jt | -20,5% | $1,45 M | $1,86 M | -22,2% |
| Credit Derivative, Maximum Exposure, Undiscounted | $38 M | $18,3 M | +107,7% | $18,8 M | $16,5 M | +13,6% |
| Current Federal Tax Expense (Benefit) | – | – | – | $5,06 M | $3,7 M | +36,9% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $420 jt | $345 jt | +21,7% |
| Current Income Tax Expense (Benefit) | – | – | – | $5,71 M | $4,31 M | +32,5% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $231 jt | $268 jt | -13,8% |
| Debt and Equity Securities, Realized Gain (Loss) | $1,08 M | $1,56 M | -30,4% | $5,25 M | $5,52 M | -4,9% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain (Loss), before Tax | -$10,3 M | -$3,35 M | -208,8% | -$2,2 M | -$7,63 M | +71,1% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $367 jt | $1,29 M | -71,6% | $1,86 M | $155 jt | +1.102,6% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $11,7 M | $4,52 M | +158,7% | $3,99 M | $7,83 M | -49,0% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $144 M | $150 M | -4,2% | $151 M | $132 M | +13,9% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Fair Value | $73,8 M | $42,2 M | +75,1% | $47,5 M | $15,5 M | +205,7% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value | $34,8 M | $12,2 M | +185,2% | $12,2 M | $13,2 M | -7,7% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value | $3,13 M | $2,03 M | +54,3% | $3,2 M | $1,97 M | +62,7% |
| Debt Securities, Available-for-sale, Maturity, Rolling after 10 Years, Weighted Average Yield | 4,5% | 4,6% | -0,9% | 4,5% | 4,4% | +2,7% |
| Debt Securities, Available-for-sale, Maturity, Rolling after Five Through Ten Years, Weighted Average Yield | 4,2% | 4,2% | +1,2% | 4,2% | 4,1% | +2,2% |
| Debt Securities, Available-for-sale, Maturity, Rolling after One Through Five Years, Weighted Average Yield | 3,9% | 2,7% | +48,1% | 2,6% | 2,7% | -1,5% |
| Debt Securities, Available-for-sale, Maturity, Rolling within One Year, Weighted Average Yield | 3,8% | 3,7% | +2,7% | 2,9% | 2,8% | +5,4% |
| Debt Securities, Available-for-sale, Realized Gain | $46 jt | $4 jt | +1.050,0% | $32 jt | $32 jt | 0,0% |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | -$29 jt | $0 | – | -$144 jt | -$920 jt | +84,3% |
| Debt Securities, Available-for-sale, Realized Loss | $75 jt | $4 jt | +1.775,0% | $176 jt | $952 jt | -81,5% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain | $57 jt | $167 jt | -65,9% | $189 jt | $106 jt | +78,3% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss | $43,3 M | $33,9 M | +27,7% | $32,4 M | $41,3 M | -21,5% |
| Debt Securities, Held-to-maturity, Credit Loss Expense (Reversal) | -$4 jt | -$10 jt | +60,0% | $1 jt | $1 jt | 0,0% |
| Debt Securities, Held-to-maturity, Fair Value | $149 M | $181 M | -17,3% | $176 M | $194 M | -9,3% |
| Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $144 M | $171 M | -15,6% | $168 M | $176 M | -4,4% |
| Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Fair Value | $1,09 M | $7,28 M | -85,1% | $4,92 M | $15,8 M | -68,8% |
| Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value | $3,86 M | $2,37 M | +63,2% | $2,3 M | $1,55 M | +47,8% |
| Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value | $302 jt | $111 jt | +172,1% | $129 jt | $201 jt | -35,8% |
| Debt Securities, Held-to-maturity, Maturity, Rolling after Five Through Ten Years, Weighted Average Yield | 4,0% | 5,8% | -30,5% | 5,3% | 6,2% | -14,6% |
| Debt Securities, Held-to-maturity, Maturity, Rolling after One Through Five Years, Weighted Average Yield | 4,1% | 4,8% | -13,9% | 4,8% | 4,1% | +16,8% |
| Debt Securities, Held-to-maturity, Maturity, Rolling after Ten Years, Weighted Average Yield | 2,3% | 2,4% | -0,4% | 2,4% | 2,4% | -0,8% |
| Debt Securities, Held-to-maturity, Maturity, Rolling within One Year, Weighted Average Yield | 3,0% | 1,7% | +79,8% | 1,7% | 1,2% | +43,3% |
| Debt Securities, Held-to-maturity, Purchase | $40 jt | $33 jt | +21,2% | $216 jt | $167 jt | +29,3% |
| Debt Securities, Held-to-maturity, Sold, Realized Gain (Loss), Excluding Other-than-temporary Impairment | $0 | $0 | – | $0 | $0 | – |
| Debt Securities, Trading | $157 M2025-09-30 | $121 M | +30,3% | $121 M2024-12-31 | $97,3 M | +24,6% |
| DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest | $0 | $23 jt | -100,0% | $23 jt | $34 jt | -32,4% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, estimasi: Financial Modeling Prep. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-09-30, 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30
Data per 2026-11-01