Wells Fargo & Company (WFC) 재무
NYSE · Financial Services · Banks - Diversified · 직원 194,369명 · CEO Charles W. Scharf
- 주가
- $83.42 -1.64%
- 시가총액
- $2500억
- 기업가치
- $4310억
- 최근 실적
- Q3 '26 2026-10-28 제출
- 다음 실적
- 2027-01-14
매출(TTM)$1300억+6.7% 전년 대비최근 4개 분기, 막대 = 각 분기
영업이익률(TTM)21.1%+1.4 %p 전년 대비영업이익 $275억
순이익(TTM)$230억+9.3% 전년 대비세후, 영업외손익 포함
잉여현금흐름(TTM)$289억+303.3% 전년 대비설비투자 $0
희석 EPS(TTM)$7.14+17.4% 전년 대비최근 4개 분기 합계
순현금$753억+369.1% 전년 대비현금 + 단기투자 - 차입금
밸류에이션 및 주요 지표
- 시가총액
- $2500억 EV $4310억
- 매출
- $1300억 최근 12개월
- 매출 성장률
- – 다음 회계연도
- 순이익률
- 17.6% 순이익 / 매출, TTM
- P/E
- 11.6×
- P/S
- 1.9× 주가 / 매출, TTM
- EV / EBITDA
- 12.9× TTM
- 잉여현금흐름
- $289억 최근 12개월
- 순이익
- $230억 최근 12개월
- 매출 추정
- – 다음 회계연도
- 이익
- 2027-01-14
- 배당
- $1.85 주당, 최근 12개월
핵심 요약
보고된 수치로 산출했으며, 모든 문장에 근거 수치를 함께 표시합니다.
- 매출 성장 둔화: 전년비 4.3%Q3 '26 매출 $333억, 직전 4개 분기 평균은 5.8%.
- 영업이익률 21.1%(TTM), 전년 대비 +1.4 %p매출이 6.7% 늘어나는 동안 영업이익은 14.4% 증가.
- 설비투자는 매출의 0.0%(전년 0.0%)최근 4개 분기 투자액 $0(전년비 –). 잉여현금흐름 $289억, 순이익의 125.6%.
- 주주환원 $202억 = 잉여현금흐름의 69.8%자사주 매입 $145억(전년 $165억), 배당 $56.6억, 주식보상 $0(TTM).
- 희석 주식 수 1년간 5.2% 감소Q3 '26 희석 주식 수 30.5억, 1년 전 32.2억.
- 순현금 $753억현금 + 단기투자 $2960억, 리스 포함 차입금 $2210억. 1년 전 순차입금 $280억.
직전 분기: Q3 '26
2026-09-30 종료 분기. 전년 동기 및 실적 발표 전 애널리스트 컨센서스와 비교.
분기 전년 대비
| Q3 '26 | 전년 | 증감 | |
|---|---|---|---|
| 매출 | $333억 | $319억 | +4.3% |
| 매출총이익률 | 62.7% | 65.1% | -2.4 %p |
| 영업이익 | $71억 | $69.1억 | +2.7% |
| 영업이익률 | 21.3% | 21.7% | -0.3 %p |
| 순이익 | $59.5억 | $55.9억 | +6.5% |
| 희석 EPS | $1.87 | $1.66 | +12.7% |
| 영업활동 현금흐름 | $88.7억 | -$8.69억 | +1,120.4% |
| 설비투자 | $0 | $0 | – |
| 잉여현금흐름 | $88.7억 | -$8.69억 | +1,120.4% |
| R&D | $0 | $0 | – |
| 주식보상비용 | $0 | $0 | – |
매출
수익이 어디서 나오는지를 사업별, 지역별로 분기마다 보여줍니다.
매출, 영업이익, 성장률
분기사업별 매출
누적, 분기| 부문 | Q3 '26 | 전년비 | 비중 | TTM | TTM 전년비 | 12개 분기 |
|---|---|---|---|---|---|---|
| Consumer Banking and Lending | – | – | – | – | – | |
| Corporate and Investment Banking | – | – | – | – | – | |
| Investment Advice | $48.7억 | +11.0% | 68.3% | – | – | |
| Wealth and Investment Management | – | – | – | – | – | |
| Commercial Banking | – | – | – | – | – | |
| Card Interchange And Network Revenues | $8.52억 | -51.9% | 11.9% | – | – | |
| Deposit Account | $14.2억 | +9.7% | 19.8% | – | – | |
| Reconciling Items | – | – | – | – | – | |
| Corporate | – | – | – | – | – | |
| Credit Card, Merchant Discount | -$200만 | – | -0.0% | – | – |
이익률과 비용 구조
매출 한 단위에서 단계별로 얼마가 남는지, 그리고 비용이 어디에 쓰이는지.
이익률
분기매출 대비 비용 비율
분기현금흐름과 자본 배분
창출한 현금, 그 용도, 그리고 주주에게 돌아가는 몫.
영업활동 현금흐름, 설비투자, 잉여현금흐름
분기현금 사용처와 영업활동 현금흐름
회계연도최근 4개 분기
현금흐름표- 영업활동 현금흐름
- $289억
- 설비투자
- $0
- 자사주 매입
- -$145억
- 배당금
- -$56.6억
- 인수
- $0
- 순차입금 발행
- -$716억
- 주식보상비용
- $0
- 잉여현금흐름
- $289억
- 주주환원 / FCF
- 69.8%
주식 수와 EPS
분기, 희석재무상태표
각 분기말의 유동성, 투자, 차입금.
현금, 투자, 차입금
분기말밸류에이션과 수익률
현재 배수를 회사 자체의 최근 5개 회계연도와 비교. 애널리스트 목표주가와 투자의견.
배수와 수익률
TTM 대 5개 회계연도| 현재 | 5년 평균 | 5년 범위에서의 현재 위치 | |
|---|---|---|---|
| P/E(TTM) | 11.6× | 12.0× | 9.6× – 14.6× |
| EV / EBITDA | 12.9× | 9.9× | 4.2× – 16.6× |
| EV / 매출 | 3.3× | 2.7× | 1.9× – 4.4× |
| 주가 / FCF | 8.7× | 29.9× 5년 중 3년 | 4.5× – 79.3× |
| 주가 / 장부가치 | 1.4× | 1.2× | 0.9× – 1.6× |
| FCF 수익률 | 11.5% | 5.7% | -6.4% – 22.2% |
| 투하자본이익률 | 6.2% | 3.8% | 3.1% – 6.0% |
| 자기자본이익률 | 12.9% | 10.5% | 7.6% – 11.8% |
애널리스트
컨센서스 목표주가 $97.14 (+16.4%)
범위 $92.00 – $104.00 · 투자의견 Buy
적극 매수0
매수28
중립28
매도4
적극 매도0
재무제표
손익계산서, 재무상태표, 현금흐름표의 모든 항목. 12개 분기와 10개 회계연도를 금액, 매출 대비 비율, 성장률로 표시.
전체 보고 항목
Wells Fargo & Company이(가) 최근 10-Q / 10-K 제출 서류에 태그한 361개 전 항목을 SEC 공식 라벨과 정의와 함께 제공합니다. 주석(리스, 세금, 자사주 매입, 직원 등)도 포함.
| 항목(SEC 라벨) | 최근 분기 | 전년 | 전년비 | 최근 FY | 직전 FY | 전년비 |
|---|---|---|---|---|---|---|
| Accounts Payable and Accrued Liabilities | $751억 | $926억 | -18.9% | $682억 | $611억 | +11.5% |
| Accounts Receivable, after Allowance for Credit Loss | $251억 | $209억 | +20.0% | $197억 | $196억 | +0.2% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$165억 | -$76.5억 | -115.9% | -$66.7억 | -$122억 | +45.2% |
| Additional Collateral, Aggregate Fair Value | $47억 | $32억 | +46.9% | $37억 | $41억 | -9.8% |
| Additional Paid in Capital | $615억 | $610억 | +0.8% | $613억 | $608억 | +0.8% |
| Assets | $2.25조 | $2.06조 | +9.2% | $2.15조 | $1.93조 | +11.3% |
| AssetsAverageOutstanding | $2.24조 | $2.01조 | +11.6% | $1.99조 | $1.92조 | +3.6% |
| Cash and Due from Banks | $406억 | $348억 | +16.5% | $392억 | $371억 | +5.7% |
| Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months | -$5.09억 | $1.31억 | -488.5% | -$1.41억 | -$5.47억 | +74.2% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $1790억 | $1730억 | +4.0% | $1730억 | $2020억 | -14.5% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$221억 | -$206억 | -7.2% | -$293억 | -$342억 | +14.2% |
| Collateral Already Posted, Aggregate Fair Value | $261억 | $205억 | +27.3% | $227억 | $198억 | +14.6% |
| Common Stock, Capital Shares Reserved for Future Issuance | 2.03억2025-12-31 | 2.33억 | -12.9% | 2.03억 | 2.33억 | -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 | 90억 | 90억 | 0.0% | 90억 | 90억 | 0.0% |
| Common Stock, Shares, Issued | 54.8억 | 54.8억 | 0.0% | 54.8억 | 54.8억 | 0.0% |
| Common Stock, Shares, Outstanding | 30억 | 31.5억 | -4.7% | 30.9억 | 32.9억 | -6.0% |
| Common Stock, Value, Issued | $91.4억 | $91.4억 | 0.0% | $91.4억 | $91.4억 | 0.0% |
| Compensation Expense, Excluding Cost of Good and Service Sold | $87.5억 | $90.2억 | -3.1% | $363억 | $357억 | +1.5% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | -$22.8억 | $73.1억 | -131.3% | $268억 | $191억 | +40.3% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | -$23억 | $73.3억 | -131.4% | $269억 | $194억 | +38.7% |
| Continuing Involvement with Transferred Financial Assets, Principal Amount Outstanding | $6.17억 | $32억 | -80.7% | $30.8억 | $798억 | -96.1% |
| Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset | $2.76억 | $3.47억 | -20.5% | $14.5억 | $18.6억 | -22.2% |
| Credit Derivative, Maximum Exposure, Undiscounted | $380억 | $183억 | +107.7% | $188억 | $165억 | +13.6% |
| Current Federal Tax Expense (Benefit) | – | – | – | $50.6억 | $37억 | +36.9% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $4.2억 | $3.45억 | +21.7% |
| Current Income Tax Expense (Benefit) | – | – | – | $57.1억 | $43.1억 | +32.5% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $2.31억 | $2.68억 | -13.8% |
| Debt and Equity Securities, Realized Gain (Loss) | $10.8억 | $15.6억 | -30.4% | $52.5억 | $55.2억 | -4.9% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain (Loss), before Tax | -$103억 | -$33.5억 | -208.8% | -$22억 | -$76.3억 | +71.1% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $3.67억 | $12.9억 | -71.6% | $18.6억 | $1.55억 | +1,102.6% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $117억 | $45.2억 | +158.7% | $39.9억 | $78.3억 | -49.0% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $1440억 | $1500억 | -4.2% | $1510억 | $1320억 | +13.9% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Fair Value | $738억 | $422억 | +75.1% | $475억 | $155억 | +205.7% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value | $348억 | $122억 | +185.2% | $122억 | $132억 | -7.7% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value | $31.3억 | $20.3억 | +54.3% | $32억 | $19.7억 | +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 | $4600만 | $400만 | +1,050.0% | $3200만 | $3200만 | 0.0% |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | -$2900만 | $0 | – | -$1.44억 | -$9.2억 | +84.3% |
| Debt Securities, Available-for-sale, Realized Loss | $7500만 | $400만 | +1,775.0% | $1.76억 | $9.52억 | -81.5% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain | $5700만 | $1.67억 | -65.9% | $1.89억 | $1.06억 | +78.3% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss | $433억 | $339억 | +27.7% | $324억 | $413억 | -21.5% |
| Debt Securities, Held-to-maturity, Credit Loss Expense (Reversal) | -$400만 | -$1000만 | +60.0% | $100만 | $100만 | 0.0% |
| Debt Securities, Held-to-maturity, Fair Value | $1490억 | $1810억 | -17.3% | $1760억 | $1940억 | -9.3% |
| Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $1440억 | $1710억 | -15.6% | $1680억 | $1760억 | -4.4% |
| Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Fair Value | $10.9억 | $72.8억 | -85.1% | $49.2억 | $158억 | -68.8% |
| Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value | $38.6억 | $23.7억 | +63.2% | $23억 | $15.5억 | +47.8% |
| Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value | $3.02억 | $1.11억 | +172.1% | $1.29억 | $2.01억 | -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 | $4000만 | $3300만 | +21.2% | $2.16억 | $1.67억 | +29.3% |
| Debt Securities, Held-to-maturity, Sold, Realized Gain (Loss), Excluding Other-than-temporary Impairment | $0 | $0 | – | $0 | $0 | – |
| Debt Securities, Trading | $1570억2025-09-30 | $1210억 | +30.3% | $1210억2024-12-31 | $973억 | +24.6% |
| DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest | $0 | $2300만 | -100.0% | $2300만 | $3400만 | -32.4% |
출처: SEC companyfacts(모든 10-Q / 10-K의 XBRL). 현금흐름 분기 수치는 10-Q에 태그된 누적 수치에서 산출합니다. 부문별 내역은 차원(dimension)과 함께 태그되므로 부문 섹션에 따로 표시됩니다.
출처
재무제표, 부문 매출, 지표, 추정치: Financial Modeling Prep. 부문별 이익과 전체 보고 항목: SEC EDGAR(XBRL). 참조한 제출 서류: 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
데이터 기준일 2026-11-01