WFC Wells Fargo & Company
Financial Services
Price
$87.72
Intrinsic value
$64.50
Buy price
$51.60
Discount
-36.0%
DCF walkthrough
This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $19,170,000,000.00
- Total debt
- $478,470,012,928.00
- Cash & STI
- $496,412,000,256.00
- Shares out.
- 3,074,600,000
Overvalued
Intrinsic value$64.64
Buy price (with MOS)$51.71
Current price$87.72
Discount to intrinsic value-35.7%
7-step quality scorecard
ROE quality
LOW- Average ROE
- 10.2%
- Current ROE
- 11.8%
- Minimum ROE
- 7.6%
Debt quality
LEVERAGED- Debt / Equity
- 2.64x
Moat proxy
WEAK_PROXYCash-flow reliability
NOT_APPLICABLE- Operating CF / Net income
- 0.89x
Technical chart
Confluence: DOWNTREND (1/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- revenueCAGR
- Valuation model
- EXCESS_RETURN
- Debt as % of DCF PV
- 322.9%
- Public economic interest
- 99.0%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.