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AI Earnings Analysis
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Net Income | $21.34B | $19.72B | +8.19% |
EPS (Basic) | $6.34 | $5.43 | +16.76% |
EPS (Diluted) | $6.26 | $5.37 | +16.57% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Total Assets | $2.15T | $1.93T | +11.34% |
Total Liabilities | $1.97T | $1.75T | +12.40% |
Stockholders' Equity | $181.12B | $179.12B | +1.11% |
Long-Term Debt | $174.71B | $173.08B | +0.94% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Operating Cash Flow | $-19B | $3.04B | -726.06% |
Investing Cash Flow | $-187.9B | $-15.65B | -1100.53% |
Financing Cash Flow | $177.59B | $-21.53B | +924.68% |
Share Buybacks | $17.52B | $19.45B | -9.93% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
ROE | 11.8% | — | — |
ROA | 1.0% | — | — |
Debt to Equity | $10.853 | — | — |
Wells Fargo delivered strong earnings growth in FY2025, with net income rising 8.2% to $21.3B and diluted EPS surging 16.6% to $6.26, though a sharp swing to negative operating cash flow and elevated leverage warrant close monitoring.
Wells Fargo grew net income by 8.2% year-over-year to $21.3B in FY2025, up from $19.7B in the prior year, reflecting improved profitability across its banking operations. The stronger bottom line translated into an even more pronounced 16.6% increase in diluted EPS to $6.26, partly aided by share buybacks reducing the share count.
Source: Source: 10-K Financial Data (XBRL), Income Statement
Total assets grew 11.3% year-over-year to approximately $2.15T, a substantial increase from $1.93T in the prior period. This balance sheet expansion was funded primarily through financing activities, as evidenced by $177.6B in net financing cash inflows, suggesting increased deposit-taking or wholesale funding activity.
Source: Source: 10-K Financial Data (XBRL), Balance Sheet & Cash Flow Statement
Wells Fargo repurchased $17.5B in shares during FY2025, down 9.9% from $19.4B in the prior year, continuing its commitment to returning capital to shareholders while slightly moderating the pace. This buyback activity contributed meaningfully to the 16.6% EPS growth despite only 8.2% net income growth.
Source: Source: 10-K Financial Data (XBRL), Cash Flow Statement
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Operating cash flow deteriorated by over $22B year-over-year, swinging from positive $3.0B to negative $19.0B. While banks' operating cash flows can be distorted by changes in trading portfolios and loans held for sale, a swing of this magnitude may signal significant balance sheet repositioning or liquidity deployment that could pressure future flexibility.
Source: Source: 10-K Financial Data (XBRL), Cash Flow Statement
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