WELLS FARGO & COMPANY/MN

WFC

Quality scores

Data as of Sep 5, 2026

3 / 9

Weak

3/9 — WEAK fundamentals (a sign of low quality).

PassROA > 0 — ROA last year = 0.99 %
FailFCF > 0 — FCF last year = -19,001.00 mill.
FailFCF > net income (accrual quality) — FCF -19,001.00 vs. net income 21,338.00 (mill.)
FailRising ROA — ROA 0.99 % vs. prior year 1.02 %

PassLower long-term leverage — long-term debt/assets 0.08 vs. prior 0.09
FailRising current ratio (more liquidity) — Working capital (approx.) — mill. vs. prior — mill.
PassNo dilution (shares do not grow) — Shares 3,092.60 mill. vs. prior 3,288.90 mill.

Test 6: no current assets/liabilities; approximated with the working-capital trend.

Z-Score (original)

—

Not applicable

Z''-Score (non-manufacturing)

—

Not applicable

Ratio	Value
X1 — Working capital / Total assets	—
X2 — Retained earnings / Total assets	0.11
X3 — EBIT / Total assets	—
X4 — Market cap / Total liabilities	0.13
X4 — Book equity / Total liabilities	0.09
X5 — Sales / Total assets	0.04