Stocks WFC Financial statements
Financial statementsWELLS FARGO & COMPANY/MN financial statements
Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data WELLS FARGO & COMPANY/MN files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 88,267 | 88,389 | 86,408 | 86,832 | 74,264 | 79,166 | 74,368 | 82,597 | 82,296 | 83,699 |
| Selling and marketing | 614 | 857 | 1,076 | 600 | 600 | 505 | 812 | 869 | 1,094 | |
| Interest expense | 5,909 | 9,352 | 14,652 | 18,852 | 7,963 | 3,915 | 9,074 | 32,743 | ||
| Interest income | 5,128 | 954 | 334 | 3,308 | 1,068 | 1,137 | 1,101 | |||
| Pre-tax income | 32,120 | 27,377 | 28,538 | 25,967 | 2,505 | 29,563 | 15,629 | 21,636 | 23,364 | 25,199 |
| Income tax | 10,075 | 4,917 | 5,662 | 5,761 | -1,157 | 5,764 | 2,251 | 2,607 | 3,399 | 3,841 |
| Net income to minority interests | 107 | 277 | 483 | 491 | 285 | 1,690 | -299 | -113 | 243 | 20 |
| Net income | 21,938 | 22,183 | 22,393 | 19,715 | 3,377 | 22,109 | 13,677 | 19,142 | 19,722 | 21,338 |
| EPS, basic | 4.03 | 4.14 | 4.31 | 4.12 | 0.43 | 5.13 | 3.30 | 4.88 | 5.43 | 6.34 |
| EPS, diluted | 3.99 | 4.10 | 4.28 | 4.09 | 0.43 | 5.08 | 3.27 | 4.83 | 5.37 | 6.26 |
| Shares, basic (weighted) | 5,053 | 4,965 | 4,800 | 4,393 | 4,118 | 4,062 | 3,805 | 3,688 | 3,426 | 3,202 |
| Shares, diluted (weighted) | 5,108 | 5,017 | 4,838 | 4,425 | 4,134 | 4,096 | 3,837 | 3,720 | 3,468 | 3,242 |
| Dividend per share | 1.52 | 1.54 | 1.64 | 1.92 | 1.22 | 0.60 | 1.10 | 1.30 | 1.50 | 1.70 |
Balance sheet
| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | 221,400 | 215,947 | 173,287 | 141,250 | 264,612 | 234,230 | 159,157 | 236,052 | 201,902 | 172,593 |
| Property, plant and equipment | 8,333 | 8,847 | 8,920 | 9,309 | 8,895 | 8,571 | 8,350 | 9,266 | 10,297 | 11,395 |
| Lease right-of-use assets | 0 | 4,724 | 4,306 | 3,805 | 3,837 | 3,412 | 3,850 | 3,641 | ||
| Goodwill | 26,693 | 26,587 | 26,418 | 26,390 | 26,392 | 25,180 | 25,173 | 25,175 | 25,167 | 24,967 |
| Intangible assets | 4,115 | 3,034 | 1,988 | 1,853 | 1,640 | 1,480 | 1,322 | |||
| Total assets | 1,930,115 | 1,951,757 | 1,895,883 | 1,927,555 | 1,952,911 | 1,948,068 | 1,881,020 | 1,932,468 | 1,929,845 | 2,148,631 |
| Short-term debt | 96,781 | 103,256 | 105,787 | 104,512 | 58,999 | 34,409 | 51,145 | 89,559 | 2,704 | 18,323 |
| Total liabilities | 1,729,618 | 1,743,678 | 1,698,817 | 1,739,571 | 1,767,199 | 1,757,958 | 1,698,807 | 1,745,025 | 1,748,779 | 1,965,593 |
| Total debt | 255,077 | 225,020 | 229,044 | 228,191 | 212,950 | 160,689 | 174,870 | 207,588 | 173,078 | 174,712 |
| Paid-in capital | 60,234 | 60,893 | 60,685 | 61,049 | 60,197 | 60,196 | 60,319 | 60,555 | 60,817 | 61,288 |
| Retained earnings | 133,075 | 145,263 | 158,163 | 166,697 | 161,945 | 180,322 | 187,968 | 201,136 | 214,198 | 228,873 |
| Treasury stock | -22,713 | -29,892 | -47,194 | -68,831 | -67,791 | -79,757 | -82,853 | -92,960 | -111,463 | -128,115 |
| Other comprehensive income | -3,137 | -2,144 | -6,336 | -1,311 | 214 | -1,702 | -13,362 | -11,580 | -12,176 | -6,673 |
| Shareholders' equity | 199,581 | 206,936 | 196,166 | 187,146 | 184,680 | 187,606 | 180,227 | 185,735 | 179,120 | 181,117 |
| Minority interests | 916 | 1,143 | 900 | 838 | 1,032 | 2,504 | 1,986 | 1,708 | 1,946 | 1,921 |
| Total equity | 200,497 | 208,079 | 197,066 | 187,702 | 184,994 | 189,889 | 182,213 | 187,443 | 181,066 | 183,038 |
| Total liabilities and equity | 1,930,115 | 1,951,757 | 1,895,883 | 1,927,555 | 1,952,911 | 1,948,068 | 1,881,020 | 1,932,468 | 1,929,845 | 2,148,631 |
| Shares outstanding | 3,834 | 3,599 | 3,289 | 3,093 |
Cash flow statement
| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | 21,938 | 22,183 | 22,876 | 20,041 | 3,662 | 23,799 | 13,378 | 19,029 | 19,722 | 21,338 |
| Depreciation and amortization | 4,970 | 5,406 | 5,593 | 6,573 | 8,219 | 7,890 | 6,832 | 6,271 | 7,558 | 7,713 |
| Stock-based compensation | 779 | 849 | 1,022 | 1,217 | 622 | 1,005 | 978 | 1,122 | 1,281 | 1,476 |
| Deferred income tax | 1,793 | 666 | 1,970 | -3,192 | -3,289 | -1,106 | 1,239 | -50 | -911 | -1,870 |
| Cash from operations | 1,008 | 18,619 | 36,073 | 6,730 | 2,051 | -11,525 | 27,048 | 40,358 | 3,035 | -19,001 |
| Acquisitions | -30,584 | -320 | -10 | |||||||
| Purchases of investments | -120,978 | -103,656 | -60,067 | -57,015 | -91,545 | -110,431 | -40,104 | -26,051 | -95,464 | -72,125 |
| Sales and maturities of investments | 40,998 | 45,688 | 36,725 | 46,542 | 78,174 | 75,701 | 19,791 | 14,872 | 34,331 | 20,837 |
| Cash from investing | -141,919 | -13,152 | -7,754 | -29,631 | 122,554 | -7,619 | -42,476 | 16,043 | -15,651 | -187,895 |
| Debt repaid | -34,462 | -80,802 | -40,565 | -60,996 | -65,347 | -47,134 | -19,587 | -22,886 | -55,582 | -34,470 |
| Stock issued | 1,415 | 1,211 | 632 | 380 | 571 | |||||
| Share buybacks | -8,116 | -9,908 | -20,633 | -24,533 | -3,415 | -14,464 | -6,033 | -11,851 | -19,448 | -17,516 |
| Dividends paid | -7,472 | -7,480 | -7,692 | -8,198 | -4,852 | -2,422 | -4,178 | -4,789 | -5,133 | -5,434 |
| Cash from financing | 122,791 | -10,920 | -70,979 | -9,136 | -1,243 | -11,238 | -59,645 | 20,494 | -21,534 | 177,587 |
| Net change in cash | -18,120 | -5,453 | -42,660 | -32,037 | 123,362 | -30,382 | -75,073 | 76,895 | -34,150 | -29,309 |
| Interest paid | 5,573 | 9,103 | 14,366 | 18,834 | 8,414 | 4,384 | 8,289 | 30,431 | 43,619 | 39,806 |
| Income taxes paid | 8,446 | 6,592 | -135 | 7,493 | 1,175 | 3,166 | 3,376 | -1,786 | 1,664 | 1,419 |
Key metrics
Profitability
| Metric | Value | How it is calculated |
|---|---|---|
| Pre-tax margin | 31.6% | Pre-tax income / revenue. |
| Net margin | 26.0% | Net income / revenue. |
| Operating cash flow margin | 22.1% | Cash from operations / revenue. |
| Effective tax rate | 16.4% | Income tax / pre-tax income, when pre-tax income is positive. |
| Return on equity (ROE) | 12.5% | Net income / average shareholders' equity (opening and closing). Not shown when equity is negative. |
| Return on assets (ROA) | 1.0% | Net income / average total assets. |
| D&A / revenue | 8.8% | Depreciation and amortization / revenue. |
Growth
| Metric | Value | How it is calculated |
|---|---|---|
| Revenue growth, 1y | 1.7% | Revenue vs the same period a year earlier. Only from a positive base. |
| Revenue CAGR, 3y | 4.0% | Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Revenue CAGR, 5y | 2.4% | Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Net income growth, 1y | 8.2% | Net income vs the same period a year earlier. Only from a positive base. |
| Net income CAGR, 3y | 16.0% | Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Net income CAGR, 5y | 44.6% | Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| EPS growth, 1y | 16.6% | EPS vs the same period a year earlier. Only from a positive base. |
| EPS CAGR, 3y | 24.2% | Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| EPS CAGR, 5y | 70.9% | Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Operating cash flow growth, 1y | -726.1% | Operating cash flow vs the same period a year earlier. Only from a positive base. |
| Dividend per share growth, 1y | 13.3% | Dividend per share vs the same period a year earlier. Only from a positive base. |
| Dividend per share CAGR, 3y | 15.6% | Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Dividend per share CAGR, 5y | 6.9% | Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Book value growth, 1y | 1.1% | Book value vs the same period a year earlier. Only from a positive base. |
| Book value CAGR, 3y | 0.2% | Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Book value CAGR, 5y | -0.4% | Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Total assets growth, 1y | 11.3% | Total assets vs the same period a year earlier. Only from a positive base. |
| Total assets CAGR, 3y | 4.5% | Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Total assets CAGR, 5y | 1.9% | Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Share count change, 1y | -6.5% | Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution. |
| Share count change per year, 3y | -5.5% | Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution. |
| Share count change per year, 5y | -4.7% | Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution. |
Balance sheet health
| Metric | Value | How it is calculated |
|---|---|---|
| Debt / equity | 1.01x | Total debt / shareholders' equity. Not shown when equity is negative. |
| Debt / assets | 8.0% | Total debt / total assets. |
| Liabilities / assets | 92.0% | Total liabilities / total assets. |
| Net debt | -$19.32B | Total debt - cash - short-term investments. Negative means more cash than debt. |
| Goodwill and intangibles / assets | 1.1% | (Goodwill + intangible assets) / total assets. |
| Tangible book value | $155.23B | Shareholders' equity - goodwill - intangible assets. |
Efficiency
| Metric | Value | How it is calculated |
|---|---|---|
| Asset turnover | 0.04x | Revenue / average total assets. |
| Fixed asset turnover | 7.46x | Revenue / average property, plant and equipment. |
Per share
| Metric | Value | How it is calculated |
|---|---|---|
| EPS, diluted | $7.35 | Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS. |
| Revenue per share | $28.23 | Revenue / diluted weighted shares. |
| Operating cash flow per share | $6.23 | Cash from operations / diluted weighted shares. |
| Book value per share | $59.50 | Shareholders' equity / shares outstanding (diluted weighted shares when not reported). |
| Tangible book per share | $51.26 | Tangible book value / shares outstanding. |
| Cash per share | $66.52 | (Cash + short-term investments) / shares outstanding. |
| Payout ratio | 24.7% | Dividends paid / net income, when net income is positive. |
Valuation
| Metric | Value | How it is calculated |
|---|---|---|
| Market cap | $250.90B | Share price x shares outstanding. |
| Enterprise value | $231.58B | Market cap + total debt - cash - short-term investments. |
| P/E | 11.1x | Market cap / net income. Only when net income is positive. |
| P/S | 2.89x | Market cap / revenue. |
| P/B | 1.39x | Market cap / shareholders' equity. Only when equity is positive. |
| Price / tangible book | 1.62x | Market cap / tangible book value, when positive. |
| P/OCF | 13.1x | Market cap / cash from operations, when positive. |
| EV/Sales | 2.67x | Enterprise value / revenue. |
| Earnings yield | 9.0% | Net income / market cap (the inverse of P/E). |
| Dividend yield | 2.2% | Dividends paid over the period / market cap. |
| Shareholder yield | 9.4% | (Dividends paid + share buybacks) / market cap. |
| PEG | 0.46x | P/E / EPS growth per year over 3 years (in percent). Only when both are positive. |
What was WELLS FARGO & COMPANY/MN's revenue in fiscal 2025?
WELLS FARGO & COMPANY/MN reported revenue of $83.70B for fiscal 2025, 1.7% higher than the year before.
Was WELLS FARGO & COMPANY/MN profitable in fiscal 2025?
Yes. Net income was $21.34B, a net margin of 25.5%.