WFC (Wells Fargo) Financial Strength: 3 (As of Jun. 2026) — Near Median

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WFC Wells Fargo & Co WFC
75 GF Score
Price $85.43
GF Value $84.24
Valuation Fairly Valued
! 1 Warning Sign
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What is Wells Fargo Financial Strength?

Wells Fargo WFC +0.75% 75 Financial Strength is 3 as of Jun. 2026, which is at its 10-year median of 3.00. GuruFocus rates WFC with a GF Score™ of 75/100 and a GF Value™ of $84.24 (Fairly Valued). The stock has 1 warning sign investors should review.

Wells Fargo has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.

Warning Sign:

Wells Fargo & Co displays poor financial strength. Usually, this is caused by too much debt for the company.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate Wells Fargo's interest coverage with the available data. Wells Fargo's debt to revenue ratio for the quarter that ended in Jun. 2026 was 2.29. Altman Z-Score does not apply to banks and insurance companies.

Wells Fargo  (NYSE:WFC) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Wells Fargo has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.

Wells Fargo Financial Strength Related Terms

WFC
75GF Score
Wells Fargo & Co WFC
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
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Wells Fargo Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Wells Fargo's Interest Expense for the months ended in Jun. 2026 was $-10,967 Mil. Its Operating Income for the months ended in Jun. 2026 was $0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $169,554 Mil.

Wells Fargo's Interest Coverage for the quarter that ended in Jun. 2026 is

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Wells Fargo's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is

Debt to Revenue Ratio=Total Debt (Q: Jun. 2026 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(37753 + 169554) / 90488
=2.29

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Financial Strength →
What does a Financial Strength of 3 mean?
Wells Fargo (WFC) has a Financial Strength of 3 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Wells Fargo and its competitors. This is near median its historical median of 3.00. Over the past decade, Wells Fargo's Financial Strength has ranged from 2.00 to 5.00.
Is Wells Fargo's Financial Strength too high?
Wells Fargo's current Financial Strength of 3 is near median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 5.00. Overall, Wells Fargo has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Wells Fargo's Financial Strength compare to C and BNY?
Wells Fargo's Financial Strength of 3 can be compared against companies in the Banks industry. Historically, Wells Fargo's own Financial Strength has ranged from 2.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Wells Fargo and its competitors. Wells Fargo's current Financial Strength is 3, which is near median its own 10-year median of 3.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Wells Fargo stock overvalued right now?
Based on GuruFocus' analysis, Wells Fargo (WFC) is currently considered Fairly Valued. The stock's GF Value™ is $84.24, compared to a current price of $85.43 — trading 1.4% above its estimated fair value. The current Financial Strength is 3, which is near median its 10-year median of 3.00. Wells Fargo's overall GF Score™ is 75/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Wells Fargo (WFC), the current Financial Strength is 3 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Wells Fargo (WFC) Overvalued in 2026?

Based on GuruFocus' analysis, Wells Fargo stock appears to be overvalued. The current stock price of $85.43 is trading 1.4% above its estimated GF Value™ of $84.24. GuruFocus considers Wells Fargo to be Fairly Valued.

Key valuation signals for WFC:

  • Financial Strength: 3 (near median its 10-year median of 3.00)
  • GF Value™: $84.24 vs. price of $85.43 (1.4% above fair value)
  • GF Score™: 75/100 with 1 warning sign

No single metric tells the full story. See the WFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Wells Fargo Business Description

Address 333 Market Street, San Francisco, CA, USA, 94105
Wells Fargo is a premier, North American-focused banking titan that commands a $2.2 trillion balance sheet and the third-highest deposit market share in the United States. The bank uses a dense, expansive network of 4,093 branches to champion retail consumers and the middle market, where the firm has built a particularly strong reputation. Following the removal of its federal asset cap in 2025, the firm is set to deploy its legacy excess liquidity to expand each of its four segments: consumer & business lending, commercial banking, corporate & investment banking, and wealth & investment management.
75GF Score

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Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$85.43
Price
$84.24
GF Value