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FRed Flag

Wells Fargo & Company(WFC)

F

Financial data as of Dec 31, 2025Declining · Financials

FCF Margin-22.7%Free Cash Flow / Revenue
Cash Conversion-89.0%Operating CF / Net Income
Free Cash Flow-$19.0B
Revenue$83.7B
Net Cash-$18.8BNet debt position
Debt / FCFN/AElevated debt burden
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth-53.7%2 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseF
→
-1Current ratio below 1.0 (0.00)
→
-1Negative FCF in 3 of last 4 quarters
→
-1Significant YoY FCF decline (-53.7%)
→
-1Only 2 positive quarters recently
→
-0.5Highly volatile FCF (consistency: 3.99)
→
FinalF

Analysis Summary

Concerns

  • Negative FCF margin (-22.7%)
  • Net debt position ($18.8B)
  • Current ratio below 1.0 — tight short-term liquidity
  • Only 2 positive FCF quarters recently
  • Significant YoY FCF decline (-53.7%)
  • Highly volatile quarterly FCF

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin-22.7%
Net Margin25.5%
Operating CF Margin-22.7%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$18.8BNet debt position
Debt / FCFN/AElevated debt burden
Current Ratio0.00Tight liquidity
Debt / Equity1.17Moderate leverage

Quarterly FCF Trend

-53.7% YoYDeclining (-53.7%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

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Detailed Metrics

Company NameWells Fargo & Company
SectorFinancials
Free Cash Flow-$19.0B
Revenue$83.7B
Net Income$21.3B
Operating Cash Flow-$19.0B
Capital Expenditure$0
FCF Margin-22.7%
Cash Conversion Rate-89.0%
Net Margin25.5%
Total Debt$193.0B
Total Cash$174.2B
Net Cash-$18.8B
Current Ratio0.00
Debt / Equity1.17
Debt / FCFN/A
YoY FCF Growth-53.7%
Positive Quarters2 of 5
Trend DirectionDeclining
Report DateDec 31, 2025
GradeF
Data SourceYahoo Finance

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