Wells Fargo & Company (WFC)财务
NYSE · Financial Services · Banks - Diversified · 员工194,369人 · CEO Charles W. Scharf
- 股价
- $83.42 -1.64%
- 市值
- $2500亿
- 企业价值
- $4310亿
- 最近财报
- Q3 '26 2026-10-28提交
- 下次财报
- 2027-01-14
营收(TTM)$1300亿+6.7% 对比去年同期最近4个季度;柱状图=各季度
营业利润率(TTM)21.1%+1.4 百分点 对比去年同期营业利润 $275亿
净利润(TTM)$230亿+9.3% 对比去年同期税后,含营业外收益
自由现金流(TTM)$289亿+303.3% 对比去年同期资本支出 $0
稀释EPS(TTM)$7.14+17.4% 对比去年同期最近4个季度之和
净现金$753亿+369.1% 对比去年同期现金 + 短期投资 - 债务
估值与关键数据
- 市值
- $2500亿 EV $4310亿
- 营收
- $1300亿 过去12个月
- 营收增速
- – 下一财年
- 净利润率
- 17.6% 净利润 / 营收,TTM
- P/E
- 11.6×
- P/S
- 1.9× 股价 / 营收,TTM
- EV / EBITDA
- 12.9× TTM
- 自由现金流
- $289亿 过去12个月
- 净利润
- $230亿 过去12个月
- 营收预期
- – 下一财年
- 盈利
- 2027-01-14
- 股息
- $1.85 每股,过去12个月
核心要点
根据披露数据计算,每条结论都附有其依据的数字。
- 营收增长放缓:同比4.3%Q3 '26营收$333亿,此前四个季度的平均值为5.8%。
- 营业利润率21.1%(TTM),较去年同期+1.4 百分点营收增长6.7%,营业利润增长14.4%。
- 资本支出占营收的0.0%(去年为0.0%)最近4个季度投入$0(同比–)。自由现金流$289亿,相当于净利润的125.6%。
- 股东回报$202亿 = 自由现金流的69.8%回购$145亿(去年为$165亿),股息$56.6亿,股权激励$0(TTM)。
- 稀释股数一年内减少5.2%Q3 '26稀释股数30.5亿,一年前为32.2亿。
- 净现金 $753亿现金 + 短期投资 $2960亿,含租赁债务 $2210亿;一年前净债务 $280亿。
上一季度:Q3 '26
截至2026-09-30的季度。与去年同期及财报发布前的分析师一致预期对比。
本季度与去年同期
| Q3 '26 | 去年同期 | 变化 | |
|---|---|---|---|
| 营收 | $333亿 | $319亿 | +4.3% |
| 毛利率 | 62.7% | 65.1% | -2.4 百分点 |
| 营业利润 | $71亿 | $69.1亿 | +2.7% |
| 营业利润率 | 21.3% | 21.7% | -0.3 百分点 |
| 净利润 | $59.5亿 | $55.9亿 | +6.5% |
| 稀释EPS | $1.87 | $1.66 | +12.7% |
| 经营现金流 | $88.7亿 | -$8.69亿 | +1,120.4% |
| 资本支出 | $0 | $0 | – |
| 自由现金流 | $88.7亿 | -$8.69亿 | +1,120.4% |
| R&D | $0 | $0 | – |
| 股权激励费用 | $0 | $0 | – |
营收
收入从何而来,按业务线和地区逐季展示。
营收、营业利润与增速
季度按业务线划分的营收
堆叠,季度| 分部 | Q3 '26 | 同比 | 占比 | TTM | TTM同比 | 12个季度 |
|---|---|---|---|---|---|---|
| Consumer Banking and Lending | – | – | – | – | – | |
| Corporate and Investment Banking | – | – | – | – | – | |
| Investment Advice | $48.7亿 | +11.0% | 68.3% | – | – | |
| Wealth and Investment Management | – | – | – | – | – | |
| Commercial Banking | – | – | – | – | – | |
| Card Interchange And Network Revenues | $8.52亿 | -51.9% | 11.9% | – | – | |
| Deposit Account | $14.2亿 | +9.7% | 19.8% | – | – | |
| Reconciling Items | – | – | – | – | – | |
| Corporate | – | – | – | – | – | |
| Credit Card, Merchant Discount | -$200万 | – | -0.0% | – | – |
利润率与成本结构
每一单位营收在各层级还剩多少,成本又花在哪里。
利润率
季度成本占营收比例
季度现金流与资本配置
创造了多少现金,用在何处,又有多少回到股东手中。
经营现金流、资本支出、自由现金流
季度现金用途与经营现金流
财年最近4个季度
现金流量表- 经营现金流
- $289亿
- 资本支出
- $0
- 股票回购
- -$145亿
- 股息
- -$56.6亿
- 收购
- $0
- 债务净发行
- -$716亿
- 股权激励费用
- $0
- 自由现金流
- $289亿
- 股东回报 / FCF
- 69.8%
股数与EPS
季度,稀释资产负债表
各季度末的流动性、投资和债务。
现金、投资与债务
季度末估值与回报
当前估值倍数与公司自身过去五个财年对比;分析师目标价与评级。
估值倍数与回报
TTM与过去5个财年| 当前 | 5年均值 | 当前处于5年区间的位置 | |
|---|---|---|---|
| P/E(TTM) | 11.6× | 12.0× | 9.6× – 14.6× |
| EV / EBITDA | 12.9× | 9.9× | 4.2× – 16.6× |
| EV / 营收 | 3.3× | 2.7× | 1.9× – 4.4× |
| 股价 / FCF | 8.7× | 29.9× 5年中的3年 | 4.5× – 79.3× |
| 股价 / 净资产 | 1.4× | 1.2× | 0.9× – 1.6× |
| FCF收益率 | 11.5% | 5.7% | -6.4% – 22.2% |
| 投入资本回报率 | 6.2% | 3.8% | 3.1% – 6.0% |
| 净资产收益率 | 12.9% | 10.5% | 7.6% – 11.8% |
分析师
一致目标价 $97.14 (+16.4%)
区间 $92.00 – $104.00 · 评级 Buy
强烈买入0
买入28
持有28
卖出4
强烈卖出0
财务报表
利润表、资产负债表和现金流量表的每一项,含12个季度和10个财年,以金额、占营收比例或增速展示。
全部披露项目
Wells Fargo & Company在近期10-Q / 10-K文件中标记的全部361项数据,附SEC官方标签和定义,包括附注(租赁、税务、回购、员工等)。
| 项目(SEC标签) | 最近季度 | 去年同期 | 同比 | 最近财年 | 上一财年 | 同比 |
|---|---|---|---|---|---|---|
| Accounts Payable and Accrued Liabilities | $751亿 | $926亿 | -18.9% | $682亿 | $611亿 | +11.5% |
| Accounts Receivable, after Allowance for Credit Loss | $251亿 | $209亿 | +20.0% | $197亿 | $196亿 | +0.2% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$165亿 | -$76.5亿 | -115.9% | -$66.7亿 | -$122亿 | +45.2% |
| Additional Collateral, Aggregate Fair Value | $47亿 | $32亿 | +46.9% | $37亿 | $41亿 | -9.8% |
| Additional Paid in Capital | $615亿 | $610亿 | +0.8% | $613亿 | $608亿 | +0.8% |
| Assets | $2.25万亿 | $2.06万亿 | +9.2% | $2.15万亿 | $1.93万亿 | +11.3% |
| AssetsAverageOutstanding | $2.24万亿 | $2.01万亿 | +11.6% | $1.99万亿 | $1.92万亿 | +3.6% |
| Cash and Due from Banks | $406亿 | $348亿 | +16.5% | $392亿 | $371亿 | +5.7% |
| Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months | -$5.09亿 | $1.31亿 | -488.5% | -$1.41亿 | -$5.47亿 | +74.2% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $1790亿 | $1730亿 | +4.0% | $1730亿 | $2020亿 | -14.5% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$221亿 | -$206亿 | -7.2% | -$293亿 | -$342亿 | +14.2% |
| Collateral Already Posted, Aggregate Fair Value | $261亿 | $205亿 | +27.3% | $227亿 | $198亿 | +14.6% |
| Common Stock, Capital Shares Reserved for Future Issuance | 2.03亿2025-12-31 | 2.33亿 | -12.9% | 2.03亿 | 2.33亿 | -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 | 90亿 | 90亿 | 0.0% | 90亿 | 90亿 | 0.0% |
| Common Stock, Shares, Issued | 54.8亿 | 54.8亿 | 0.0% | 54.8亿 | 54.8亿 | 0.0% |
| Common Stock, Shares, Outstanding | 30亿 | 31.5亿 | -4.7% | 30.9亿 | 32.9亿 | -6.0% |
| Common Stock, Value, Issued | $91.4亿 | $91.4亿 | 0.0% | $91.4亿 | $91.4亿 | 0.0% |
| Compensation Expense, Excluding Cost of Good and Service Sold | $87.5亿 | $90.2亿 | -3.1% | $363亿 | $357亿 | +1.5% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | -$22.8亿 | $73.1亿 | -131.3% | $268亿 | $191亿 | +40.3% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | -$23亿 | $73.3亿 | -131.4% | $269亿 | $194亿 | +38.7% |
| Continuing Involvement with Transferred Financial Assets, Principal Amount Outstanding | $6.17亿 | $32亿 | -80.7% | $30.8亿 | $798亿 | -96.1% |
| Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset | $2.76亿 | $3.47亿 | -20.5% | $14.5亿 | $18.6亿 | -22.2% |
| Credit Derivative, Maximum Exposure, Undiscounted | $380亿 | $183亿 | +107.7% | $188亿 | $165亿 | +13.6% |
| Current Federal Tax Expense (Benefit) | – | – | – | $50.6亿 | $37亿 | +36.9% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $4.2亿 | $3.45亿 | +21.7% |
| Current Income Tax Expense (Benefit) | – | – | – | $57.1亿 | $43.1亿 | +32.5% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $2.31亿 | $2.68亿 | -13.8% |
| Debt and Equity Securities, Realized Gain (Loss) | $10.8亿 | $15.6亿 | -30.4% | $52.5亿 | $55.2亿 | -4.9% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain (Loss), before Tax | -$103亿 | -$33.5亿 | -208.8% | -$22亿 | -$76.3亿 | +71.1% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $3.67亿 | $12.9亿 | -71.6% | $18.6亿 | $1.55亿 | +1,102.6% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $117亿 | $45.2亿 | +158.7% | $39.9亿 | $78.3亿 | -49.0% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $1440亿 | $1500亿 | -4.2% | $1510亿 | $1320亿 | +13.9% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Fair Value | $738亿 | $422亿 | +75.1% | $475亿 | $155亿 | +205.7% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value | $348亿 | $122亿 | +185.2% | $122亿 | $132亿 | -7.7% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value | $31.3亿 | $20.3亿 | +54.3% | $32亿 | $19.7亿 | +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 | $4600万 | $400万 | +1,050.0% | $3200万 | $3200万 | 0.0% |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | -$2900万 | $0 | – | -$1.44亿 | -$9.2亿 | +84.3% |
| Debt Securities, Available-for-sale, Realized Loss | $7500万 | $400万 | +1,775.0% | $1.76亿 | $9.52亿 | -81.5% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain | $5700万 | $1.67亿 | -65.9% | $1.89亿 | $1.06亿 | +78.3% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss | $433亿 | $339亿 | +27.7% | $324亿 | $413亿 | -21.5% |
| Debt Securities, Held-to-maturity, Credit Loss Expense (Reversal) | -$400万 | -$1000万 | +60.0% | $100万 | $100万 | 0.0% |
| Debt Securities, Held-to-maturity, Fair Value | $1490亿 | $1810亿 | -17.3% | $1760亿 | $1940亿 | -9.3% |
| Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $1440亿 | $1710亿 | -15.6% | $1680亿 | $1760亿 | -4.4% |
| Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Fair Value | $10.9亿 | $72.8亿 | -85.1% | $49.2亿 | $158亿 | -68.8% |
| Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value | $38.6亿 | $23.7亿 | +63.2% | $23亿 | $15.5亿 | +47.8% |
| Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value | $3.02亿 | $1.11亿 | +172.1% | $1.29亿 | $2.01亿 | -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 | $4000万 | $3300万 | +21.2% | $2.16亿 | $1.67亿 | +29.3% |
| Debt Securities, Held-to-maturity, Sold, Realized Gain (Loss), Excluding Other-than-temporary Impairment | $0 | $0 | – | $0 | $0 | – |
| Debt Securities, Trading | $1570亿2025-09-30 | $1210亿 | +30.3% | $1210亿2024-12-31 | $973亿 | +24.6% |
| DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest | $0 | $2300万 | -100.0% | $2300万 | $3400万 | -32.4% |
来源:SEC companyfacts(每份10-Q / 10-K的XBRL)。现金流量表的季度数据由10-Q标记的年初至今累计数推算。分部拆分带有维度标记,在分部章节中单独展示。
数据来源
报表、分部营收、指标、预期:Financial Modeling Prep。分部利润及全部披露项目:SEC EDGAR(XBRL)。 已读取的文件: 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
数据截至 2026-11-01