Wells Fargo & Company — Earnings Quality Grade F
WFC · Financial Services
Major red flags
Screening Summary
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 100 days, change -2 days YoY
AR growth -0.2% vs revenue growth 1.7%
Revenue 1.7%, CFFO -726.1%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = -0.89. Only -89% of profit backed by cash
FCF < 50% of Net Income for 2 years
Accruals ratio = 1.9%. Low accruals
Cash $174.2B covers 90% of debt $193.0B
Balance Sheet Health
Goodwill+Intangibles $31.3B = 17% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -5% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Wells Fargo & Company is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-09