Wells Fargo & Company (WFC) debt
What Wells Fargo & owes, when it comes due, and what it costs to carry, from the balances and cash flows the company reports to the U.S. Securities and Exchange Commission.
At a glance
| Metric | Sep 2026 | Sep 2025 | Change |
|---|---|---|---|
| Total debt | $221.04B | $408.42B | −$187.38B |
| Due within a year | $38.19B | $230.65B | −$192.46B |
| Long-term debt | $182.85B | $177.77B | +$5.08B |
| Cash and equivalents | $179.36B | $172.52B | +$6.84B |
| Net debt | $41.68B | $235.91B | −$194.22B |
Total debt is the sum of the debt lines the company reports at that date (long-term, current and short-term borrowings), not a figure the company reports as a total.
Debt over time
| Balance date | Total debt | Due within a year | Long-term debt | Cash |
|---|---|---|---|---|
| Sep 2026 | $221.04B† | $38.19B | $182.85B | $179.36B |
| Jun 2026 | $207.31B† | $25.17B | $182.14B | $201.46B |
| Mar 2026 | $216.22B† | $32.28B | $183.94B | $173.27B |
| Dec 2025 | $193.03B† | $18.32B | $174.71B | $172.59B |
| Sep 2025 | $408.42B† | $230.65B | $177.77B | $172.52B |
| Jun 2025 | $364.23B† | $188.00B | $176.24B | $193.13B |
| Mar 2025 | $313.44B† | $139.78B | $173.66B | $176.18B |
| Dec 2024 | $175.78B† | $2.70B | $173.08B | $201.90B |
| Sep 2024 | $293.91B† | $111.89B | $182.01B | $184.13B |
| Jun 2024 | $297.97B† | $118.83B | $179.14B | $230.78B |
| Mar 2024 | $296.78B† | $109.01B | $187.76B | $268.60B |
| Dec 2023 | $297.15B† | $89.56B | $207.59B | $236.05B |
† Sum of the debt lines the company reports at that date, not a reported total.
When it comes due
Principal due by year as of December 31, 2025.
| Due | Principal | Share of total |
|---|---|---|
| Within 1 year | $23.47B | 13.4% |
| Year 2 | $13.32B | 7.6% |
| Year 3 | $26.37B | 15.1% |
| Year 4 | $19.17B | 11.0% |
| Year 5 | $12.14B | 7.0% |
| After year 5 | $80.24B | 45.9% |
| Total | $174.71B | 100% |
Interest cost and borrowing
| Fiscal year | Interest expense | Borrowed | Repaid |
|---|---|---|---|
| FY Dec 2025 | — | — | $34.47B |
| FY Dec 2024 | — | — | $55.58B |
| FY Dec 2023 | $32.74B | — | $22.89B |
| FY Dec 2022 | $9.07B | — | $19.59B |
| FY Dec 2021 | $3.92B | — | $47.13B |
About these figures
These are the balances Wells Fargo & reports in its SEC filings as of each balance-sheet date, and the interest, borrowing and repayments it reports for each period. This page does not show market prices or yields of the company's bonds. "Long-term debt" is the line as the company tags it in its filings and may or may not include the portion due within a year.
All figures from company filings with the SEC.