Market Pulse44Neutral

Wells Fargo & CompanyOpportunity Rank #203(WFC) Intrinsic Value & DCF Analysis (2026)

Current Price

$87.53

Last updated: Jul 20, 2026

Price vs Intrinsic Value

$87.53
Price
$158.29
Intrinsic Value
Undervalued by 81%MOS: $126.63

Fundamental Score

52/100
Neutral

Weighted across 6 signals

Narrative Score

80/100
Strong

No change vs previous

Trend Score

61/100
Constructive

As of 2026-07-17

The intrinsic value of Wells Fargo & Company (WFC) is estimated at $158.29 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $87.53, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a -11.54% long-term growth rate and a 9.00% discount rate, reflecting expected future free cash flow and cost of capital.

The intrinsic value of Wells Fargo & Company (WFC) is estimated at $158.29 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $87.53, the stock appears undervalued relative to its projected cash flow fundamentals. This estimate assumes a -11.54% long-term growth rate and a 9.00% discount rate, reflecting expected future free cash flow and cost of capital.

Valuation Details

$158.29
▲ 80.85% upside
20% margin of safety: $126.63
Years: 10Growth Rate: -11.54%
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Capital Efficiency

Average Quarterly ROIC
12.37%
Cost of Capital (estimated)11%
Value StatusCreating Value

The company is earning a higher return on invested capital than it costs to raise that capital — a sign of strong, efficient value creation.

Complete historical ROIC is available with
.

Fundamental Details

52/100
NeutralWeighted across 6 signals
DCF Discount
80.9% discount to price
100
FCF Yield
0.4% trailing FCF yield
0
ROIC vs WACC
ROIC 12.4% vs WACC 11.0% (1.1x)
56
Net Debt / FCF
Net cash position
100
Buybacks
Share count shrinking
80
FCF CAGR (5Y)
-6.1% 5Y FCF CAGR (adjusted)
0
Strengths: DCF Discount, Net Debt / FCF. Concerns: FCF Yield, FCF CAGR (5Y).

Narrative Details

80/100
Strong
Vs 6-Month Baseline:High (94th pct)Weighted across 6 recent drivers
Trend: StableConfidence: 100%Updated: 2d ago
Sources: 141 (133 News · 8 Analyst)
Drivers(last 30 days)
93 news sentiment+4.8
9 earnings beat+2.1
27 regulatory scrutiny+1.9
Upgrade headlines+0.6
Restructuring+0.1
Promotions/discounting+0.0

Trend Details

61/100
ConstructiveAs of 2026-07-17310 daily bars used
Distance from 52-Week High-9.2%
6M Relative Strength vs SPY-9.6%
Price vs 50 EMA+5.0%
Price vs 21 EMA64 · +2.4%
Price vs 50 EMA73 · +5.0%
21 EMA vs 50 EMA70 · +2.6%
3M RS vs SPY57 · +1.8%
6M RS vs SPY26 · -9.6%
Distance from 52W High82 · -9.2%

Investment Coach

Updating... 39d ago
AVOIDConfidence: 69%
Thesis
Wells Fargo & Company is currently overvalued by approximately 34.6% with weak fundamentals and a thin free cash flow yield, despite an improving narrative score. The company's return on invested capital is below its weighted average cost of capital, indicating operational challenges.
Key Risk
The primary risk is the sustained negative spread between ROIC and WACC, which may continue to pressure valuation and financial performance.
Signals To Watch
  • Price moving to at least a mid-teens discount to fair value.
  • Improvement in ROIC versus WACC spread.
  • Meaningful shifts in the narrative score direction.
Ask the Coach - Available with
Historical Growth Rates
Free Cash Flow- - -Trend CAGR: -11.54%5 Year CAGR (Adjusted): 561.90%

Free Cash Flow (in millions)

TTM20252024202320222021202020192018201720162015201420132012201120102009200820072006
$1,179-$19,001$3,035$40,358$27,048-$11,525$2,051$6,730$36,073$18,722$1,008$15,904$17,529$57,641$58,540$13,665$18,772$28,613-$4,788$9,286$27,976

How Intrinziq Estimates Fair Value

Intrinziq estimates Wells Fargo & Company's intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

Wells Fargo & CompanyFinancial Services

Wells Fargo & Company, a financial services company, provides diversified banking, investment, mortgage, and consumer and commercial finance products and services in the United States and internationally. It operates through four segments: Consumer Banking and Lending; Commercial Banking; Corporate and Investment Banking; and Wealth and Investment Management. The company’s financial products and services includes checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. It also provides personalized wealth management, brokerage, financial planning, lending, private banking, trust and fiduciary products and services; and financial solutions to private, family owned and public companies through products and services including banking and credit products across multiple industry sectors and municipalities, secured lending and lease products, and treasury management. In addition, it offers a suite of capital markets, banking, and financial products and services, such as corporate banking, investment banking, treasury management, commercial real estate lending and servicing, equity, and fixed income solutions, as well as sales, trading, and research capabilities services to corporate, commercial real estate, government, and institutional clients. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.