NYSE$WFC

Wells Fargo & Co · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Wells Fargo reported solid results driven by net income of $4.9 billion and revenue of $20.5 billion.

Wells Fargo reported a strong second quarter with a net income of $4.9 billion and revenue of $20.5 billion. The company benefited from higher interest rates and focused on expense control. Net loan charge-offs increased, particularly in commercial real estate. The CET1 ratio was 10.7%, and $4 billion of common stock was repurchased.

  • Net income was $4.9 billion, or $1.25 per diluted share.
  • Revenue reached $20.5 billion.
  • The company repurchased $4.0 billion of common stock.
  • CET1 ratio stood at 10.7%.

Headline financials

Total Revenue

$20.5B

Previous: $17B+20.6%
EPS (adj)

$1.25

Previous: $0.74+68.9%
Net Interest Margin

3.1%

Previous: 2.4%+29.3%
Efficiency Ratio

63.0%

Previous: 76.0%-17.1%
Free Cash Flow

$4.94B

Previous: $3.12B+58.3%
Net Income

$4.94B

Previous: $3.12B+58.3%
Operating Income

$8.98B

Previous: $13B-30.9%
Gross Profit

$18.6B

Previous: $16.2B+14.7%
Cash & Equivalents

$31.9B

Previous: $155B-79.4%
Total Assets

$1.88T

Previous: $1.88T-0.3%

Revenue & EPS history

Wells Fargo · Revenue · Quarterly

$20.5B

Q2 2023+20.6%vs Q2 2022
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Revenue by segment

Wells Fargo · $21.1B total across 4 segments · Q2 2023

  • Consumer Banking and Lending
    $9.46B+11.1%
  • Corporate and Investment Banking
    $4.63B+29.6%
  • Wealth and Investment Management
    $3.65B-1.5%
  • Commercial Banking
    $3.37B+35.2%

Forward guidance

Wells Fargo anticipates continued economic slowing and uncertainty, but believes the range of scenarios will narrow over the next few quarters. The company remains prepared for various economic conditions and is committed to risk and control buildout and financial and credit risk management.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2023

Historical avgQ2 2023

+0.3%

Avg return

Earnings day

+0.7%

Avg return

5 days after

+1.8%

Avg return

30 days after

56%

40 / 72 earnings

Positive

+7.6%

Q3 2024

Best reaction

-10.9%

Q2 2011

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2025-4.3%-6.0%-15.2%
Q1 2026+0.2%-6.0%-15.2%
Q3 2025+7.0%+5.5%+7.3%
Q2 2025+2.0%-0.5%+4.6%
Q1 2025-1.0%+1.4%+14.8%
Q4 2024+6.7%+8.3%+12.3%
Q3 2024+7.6%+10.6%+21.3%
Q2 2024-4.0%+1.2%-12.3%
Q1 2024+0.5%+0.9%+9.2%
Q4 2023-4.5%-4.8%-2.0%
Q3 2023+4.8%+4.5%+2.9%
Q2 2023+2.4%+5.8%+0.0%
Q1 2023+4.1%+6.5%-5.5%
Q4 2022+3.0%+1.3%+10.9%
Q3 2022+3.7%+2.9%+12.2%
Q2 2022+6.3%+10.3%+18.6%
Q1 2022-2.8%-1.5%-12.2%
Q4 2021+1.2%-0.8%+4.1%
Q3 2021+5.1%+9.3%+10.7%
Q2 2021+4.1%-0.4%+16.5%
Q1 2021+6.2%+10.3%+18.0%
Q4 2020-6.1%-6.6%-3.5%
Q3 2020-7.2%-8.9%-2.7%
Q2 2020-0.2%-1.8%-1.5%
Q1 2020-9.5%-9.7%-23.4%
Q4 2019-7.3%-5.6%-7.7%
Q3 2019+0.6%+1.4%+8.6%
Q2 2019-3.2%-1.5%-7.1%
Q1 2019-2.0%-0.4%-1.2%
Q4 2018+1.1%+3.3%+0.2%
Q3 2018+3.5%+5.9%+3.1%
Q2 2018+1.7%+1.0%+3.6%
Q1 2018-3.6%-4.4%+3.3%
Q4 2017-0.8%+1.4%-10.9%
Q3 2017-2.6%-3.3%-2.5%
Q2 2017-1.6%-1.2%-6.6%
Q1 2017-0.8%-1.3%-0.2%
Q4 2016-1.3%-0.4%+4.3%
Q3 2016-0.6%+1.1%+15.6%
Q2 2016-1.3%-0.7%-2.1%
Q4 2015-4.8%
Q3 2015+1.6%
Q2 2015+1.8%
Q1 2015+0.4%
Q4 2014-2.2%
Q3 2014-4.7%
Q2 2014-1.0%
Q1 2014+0.8%
Q4 2013+1.8%
Q3 2013+0.7%
Q2 2013+3.5%
Q1 2013-2.5%
Q4 2012-1.8%
Q3 2012-3.6%
Q2 2012+3.6%
Q1 2012-2.6%
Q4 2011+0.8%
Q3 2011-1.7%
Q2 2011-10.9%
Q1 2011+0.3%
Q4 2007+2.6%
Q4 2010+2.6%
Q3 2010+5.8%
Q2 2010+0.1%
Q1 2010+5.7%
Q1 2009-0.3%
Q4 2009-0.3%
Q3 2008+4.1%
Q3 2009+4.1%
Q2 2009+2.4%
Q4 2008+2.4%
Q2 2008+2.4%

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