Wells Fargo & Co (WFC) FY2025Q3 Earning Prediction
Wells Fargo & Co (WFC) is set to release its FY2025Q3 earnings performance on 10/14 07:03:00 ET in Pre-Market trading. Consensus forecasts predict a revenue of 21.16B and an earnings per share (EPS) of 1.55 for the FY2025Q3. With Intellectia's exclusive AI algorithms, users can predict whether the earnings will beat or miss expectations before the report drops. Leverage this powerful tool to strategize and position your trades ahead of the earnings release!
AI Earnings Prediction
The earnings forecast suggests a neutral outcome with a slight tilt toward an EPS beat but muted revenue growth.
Scenario Analysis
Key Indicators Forecast
No data
Prediction Logic & Rational
Logic & Justification
Key Fact Data Insights:
- Net Interest Income (NII):
Prime Rate Cut ( 7.5% → 7.25%): Likely to pressure NII growth due to reduced lending margins, offsetting potential loan volume gains.
CFO’s Consumer Strength Comments: Strong credit performance suggests stable loan demand, but the rate cut limits upside.
- Noninterest Income:
Fannie/Freddie IPO Roles: Potential for higher investment banking fees (underwriting) and advisory revenue if Wells secures a lead role.
Cardlytics Partnership Growth: Credit card initiatives (e.g., expanded rewards programs) could boost interchange fees and marketing-driven revenue.
- Noninterest Expenses:
Dividend Hike (+ 12.5%) & Share Buybacks: Signals confidence in capital management, but $30M equity grant to Scharf adds to compensation costs.
Zelle Fraud Lawsuit Risk: Potential litigation costs and operational adjustments to address security gaps.
- Credit Losses:
- Stable Consumer Credit: CFO’s emphasis on “strong” credit performance suggests minimal deterioration in loan portfolios, supporting a stable Allowance for Credit Losses.
Consensus Context:
- Minimal EPS estimate revisions (+ 0.065%) and slight revenue downgrades (- 0.284%) indicate muted expectations.
- Stock underperformance vs. S&P 500 (+ 0.34% vs. + 7.81%) suggests low positioning for a Beat, lowering the bar.
Tactical Strategy Recommendations
Trading Strategy
Options Play:
- Buy Oct 14 $80 Calls (delta ~0.5): Leverage low volatility (stock underperformed S&P) and EPS beat potential.
- Sell Oct 14 $82.50 Calls (call credit spread) to hedge against revenue neutrality.
Stock Pair Trade:
- Long WFC vs. Short JPM/C: Regulatory/political risks (Trump EO, stablecoin scrutiny) weigh heavier on larger banks, while WFC’s buybacks provide relative support.
Post-Earnings Plays:
- If EPS beats but NII misses, short-term fade (sell the rally).
- If Fannie/Freddie IPO role confirmed, pivot to long-term bullish.
Earnings Surprise Analysis
WFC Transcript
The earnings call presents a mixed sentiment. Basic financial performance shows growth in key areas, but market strategy and financial health are cautious due to uncertainties in interest rates and credit environment. The Q&A reveals management's confidence in organic growth and efficiency improvements, but hesitance in providing specific guidance creates uncertainty. The lack of new partnerships or strong guidance adjustments, and the stable but not exceptional shareholder return plan, suggest a neutral impact on stock price.
The earnings call presents a mixed picture: improved financial metrics like net sales, gross profit, and reduced net debt are positive, but challenges in the Rubber Solutions segment and uncertainties in the Bandolier program and Q4 guidance weigh negatively. The dividend increase and stock repurchase plan are positive, yet the lack of clear guidance tempers enthusiasm. The Q&A further highlights uncertainties, especially in ARS and Bandolier timelines. Overall, the sentiment is balanced, leading to a neutral prediction for stock price movement.
WFC Slides
WFC Report
Frequently Asked Questions
What is the Wells Fargo & Co FY2025Q3 Earnings Release Date and Time?
Wells Fargo & Co (WFC) is scheduled to release its FY2025Q3 earnings report onOct 14, 2025, Pre-Market(approximately 4:00 PM ET). This timing allows investors to react during after-hours trading, with a conference call typically following shortly after.
What Are the Consensus Forecasts for Wells Fargo & Co FY2025Q3 Revenue and EPS?
Analysts' consensus predicts 21.16B in revenue and an EPS of 1.55 for Wells Fargo & Co's FY2025Q3.
What Does Intellectia's AI Predict for Wells Fargo & Co FY2025Q3 Earnings?
Intellectia's exclusive AI algorithms forecast a Neutral forWells Fargo & Co's FY2025Q3 earnings, with a prediction date of Oct 14, 2025. Wells Fargo & Co The earnings forecast suggests a neutral outcome with a slight tilt toward an EPS beat but muted revenue growth.
How Can I Use This Earnings Prediction to Trade WFC Stock?
Leverage Intellectia's AI forecast to position trades ahead of theOct 14, 2025 release—consider calls for a beat scenario or protective puts for misses. Focus on pre-market volatility, and use the scenario probabilities to build strategies around revenue and guidance updates.
How Accurate Is Intellectia's AI for Earnings Predictions Like Wells Fargo & Co FY2025Q3?
Intellectia's predictions are backed by rigorous backtesting, showing a high hit rate for Beat and Miss calls compared to traditional analysis. While no forecast is 100% certain, we provide probability-based scenarios (e.g., 50% chance of a *Beat*) and detailed rationales to help you make informed decisions. Combine our insights with your strategy for the best results—it's like having a co-pilot for earnings season! Empowering users to strategize trades before reports drop.
How does AI Earnings Prediction generate its forecasts?
AI Earnings Prediction uses advanced Large Language Models (LLMs) to analyze a wealth of data, including past earnings transcripts, real-time market sentiment, analyst insights, and company news from the last three months. It focuses on key indicators like revenue, EPS, and margins to predict whether a company will *Beat*, *Miss*, or remain Neutral relative to market expectations. Think of it as a super-smart analyst crunching numbers and news 24/7 to give you a trading edge!
When are the predictions available, and how often are they updated?
Predictions are generated two days before a company’s earnings release (e.g., 5:00 PM ET on Feb 13 for a Feb 15 report) to capture the latest market and company data. They’re updated in real-time if significant news breaks, ensuring you get fresh insights.
Can I use AI Earnings Prediction for all types of stocks?
Currently, AI Earnings Prediction focuses on companies with market caps above $40 billion, covering major players like SPG, AAPL, MSFT, and NVDA for the 2025-2026 earnings seasons. We prioritize high-impact stocks with robust data to ensure reliable forecasts. Stay tuned as we expand coverage to more companies based on user demand!
