Warren Agent· WFC
Research Company← Research

WELLS FARGO & COMPANY/MN

WFC· FY2025 10-K· Analyzed 1 mo ago
History1 mo agoPASS|4 mo agoWATCH
PASS

📜 Signal History & Model Audit Trail (2 Runs)

🟢 LATEST (2026-07-29)PASS
1 mo ago
● 2026-04-16WATCH
4 mo ago
Growth Rates — CAGR from SEC 10-K XBRL filings
Revenue
-1.2%
FY2016–2019
Net Income
-0.7%
FY2015–2025
Free Cash Flow
—
EPS (Diluted)
4.3%
FY2015–2025
Latest Metrics — FY2025 · SEC XBRL
Return on Equity
11.8%
NI ÷ Equity
Return on Assets
1.0%
NI ÷ Assets
Net Profit Margin
23.2%
NI ÷ Revenue
Debt / Equity
0.96x
LT Debt ÷ Equity
Buffett Quality Checklist
✗ROE >15% consistently (≥7 of last 10 years)
✗Free cash flow positive (≥8 of last 10 years)
✓Conservative leverage — Debt/Equity below 1
✗Revenue growing at CAGR >5%
✗EPS growing at CAGR >5%
10-Year Financial History — SEC EDGAR 10-K Filings
Year▲Revenue▲Net Income▲FCF▲Owner Earnings▲ROE▲Net Margin▲LT Debt▲Cash▲
2016$88.3B$21.9B——11.0%24.9%$255.1B—
2017$88.4B$22.2B——10.7%25.1%$225.0B—
2018$86.4B$22.4B——11.4%25.9%$229.0B—
2019$85.1B$19.7B——10.5%23.2%$228.2B—
2020—$3.4B——1.8%—$212.9B—
2021—$22.1B——11.8%—$160.7B—
2022—$13.7B——7.6%—$174.9B—
2023—$19.1B——10.3%—$207.6B—
2024—$19.7B——11.0%—$173.1B—
2025—$21.3B——11.8%—$174.7B—

WELLS FARGO & COMPANY/MN (WFC)

Verdict: PASS

This company was marked as scanned because it failed the pre-analysis qualification gate.

Reason

fundamentals below threshold

Company failed all three quantitative pre-filter scorecards.

Scorecard

  • Buffett/Munger: 15/100
  • Peter Lynch: 10/100
  • Damodaran: 10/100
  • Top score: 15/100

Failed Checks

Buffett/Munger

  • FCF not consistently positive
  • ROE not consistently above 15%
  • Net margin not consistently above 10%
  • Revenue CAGR -1.2% — below 5% threshold

Peter Lynch

  • EPS CAGR 4.3% and Revenue CAGR -1.2% — no growth story
  • Revenue CAGR -1.2% — stagnant top line
  • FCF not consistently positive — earnings quality concern

Damodaran

  • ROIC ~6.0% below estimated WACC 9% — value destroyer
  • FCF not growing — weak DCF foundation
  • Revenue CAGR -1.2% — insufficient for compelling DCF narrative

Data sourced from SEC EDGAR XBRL filings (10-K only). For educational purposes — not investment advice.