Aureus
FRed Flag

Wells Fargo & Company(WFC)

F

Financial data as of Dec 31, 2024Declining · Financials

FCF Margin3.7%Free Cash Flow / Revenue
Cash Conversion15.4%Operating CF / Net Income
Free Cash Flow$3.0B
Revenue$82.3B
Net Cash$16.7BCash exceeds debt
Debt / FCF61.5xElevated debt burden
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth-120.7%2 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseD
→
-2Extreme debt-to-FCF ratio (61.5x)
→
-1Current ratio below 1.0 (0.00)
→
-1Negative FCF in 3 of last 4 quarters
→
-1Low cash conversion rate (15%)
→
-1Significant YoY FCF decline (-120.7%)
→
-1Only 2 positive quarters recently
→
-0.5Highly volatile FCF (consistency: 4.03)
→
FinalF

Analysis Summary

Strengths

  • Net cash position ($16.7B)

Concerns

  • Low FCF margin (3.7%)
  • Weak cash conversion (15%)
  • High debt-to-FCF ratio (61.5x)
  • Current ratio below 1.0 — tight short-term liquidity
  • Only 2 positive FCF quarters recently
  • Significant YoY FCF decline (-120.7%)
  • Highly volatile quarterly FCF
  • Significant FCF decline (-120.7% YoY)

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin3.7%
Net Margin24.0%
Operating CF Margin3.7%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash$16.7BCash exceeds debt
Debt / FCF61.5xElevated debt burden
Current Ratio0.00Tight liquidity
Debt / Equity1.16Moderate leverage

Quarterly FCF Trend

-120.7% YoYDeclining (-120.7%)

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$3.0B
Revenue$82.3B
Net Income$19.7B
Operating Cash Flow$3.0B
Capital Expenditure$0
FCF Margin3.7%
Cash Conversion Rate15.4%
Net Margin24.0%
Total Debt$186.6B
Total Cash$203.4B
Net Cash$16.7B
Current Ratio0.00
Debt / Equity1.16
Debt / FCF61.5x
YoY FCF Growth-120.7%
Positive Quarters2 of 5
Trend DirectionDeclining
Report DateDec 31, 2024
GradeF
Data SourceYahoo Finance

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