Bank of Montreal (BMO)vsSea Ltd (SE)
BMO
Bank of Montreal
$136.39
-0.53%
FINANCIAL SERVICES · Cap: $94.86B
SE
Sea Ltd
$82.47
+5.31%
CONSUMER CYCLICAL · Cap: $46.36B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of Montreal generates 46% more annual revenue ($33.48B vs $22.94B). BMO leads profitability with a 27.1% profit margin vs 6.9%. SE appears more attractively valued with a PEG of 0.55. BMO earns a higher WallStSmart Score of 75/100 (B+).
BMO
Strong Buy75
out of 100
Grade: B+
SE
Strong Buy70
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+57.3%
Fair Value
$336.32
Current Price
$136.39
$199.93 discount
Margin of Safety
+2.9%
Fair Value
$117.94
Current Price
$82.47
$35.47 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 39.9%
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 7.0B in free cash flow
Revenue surging 38.4% year-over-year
Earnings expanding 58.5% YoY
Growing faster than its price suggests
Generating 1.0B in free cash flow
Areas to Watch
No major concerns identified
Premium valuation, high expectations priced in
6.9% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : BMO
The strongest argument for BMO centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.1% and operating margin at 39.9%. PEG of 1.46 suggests the stock is reasonably priced for its growth.
Bull Case : SE
The strongest argument for SE centers on Revenue Growth, EPS Growth, PEG Ratio. Revenue growth of 38.4% demonstrates continued momentum. PEG of 0.55 suggests the stock is reasonably priced for its growth.
Bear Case : BMO
No major red flags identified for BMO, but monitor valuation.
Bear Case : SE
The primary concerns for SE are P/E Ratio, Profit Margin.
Key Dynamics to Monitor
BMO profiles as a mature stock while SE is a hypergrowth play — different risk/reward profiles.
SE carries more volatility with a beta of 1.63 — expect wider price swings.
SE is growing revenue faster at 38.4% — sustainability is the question.
BMO generates stronger free cash flow (7.0B), providing more financial flexibility.
Bottom Line
BMO scores higher overall (75/100 vs 70/100), backed by strong 27.1% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Bank of Montreal
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Bank of Montreal offers diversified financial services primarily in North America. The company is headquartered in Montreal, Canada.
Sea Ltd
CONSUMER CYCLICAL · INTERNET RETAIL · USA
Sea Limited is engaged in the digital entertainment, e-commerce and digital financial services businesses in Southeast Asia, Latin America, the rest of Asia and internationally. The company is headquartered in Singapore.
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