Capital One Financial Corporation (COF)vsWells Fargo & Company (WFC)
COF
Capital One Financial Corporation
$217.76
-1.02%
FINANCIAL SERVICES · Cap: $136.14B
WFC
Wells Fargo & Company
$87.25
+0.18%
FINANCIAL SERVICES · Cap: $267.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 73% more annual revenue ($83.03B vs $48.11B). WFC leads profitability with a 27.2% profit margin vs 21.9%. COF appears more attractively valued with a PEG of 0.22. WFC earns a higher WallStSmart Score of 76/100 (B+).
COF
Strong Buy75
out of 100
Grade: B
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 33.6%
Revenue surging 1111.0% year-over-year
Large-cap with strong market position
Mega-cap, among the largest globally
Strong operational efficiency at 37.4%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Areas to Watch
Weak financial health signals
Earnings declined 3.2%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 33.6%. Revenue growth of 1111.0% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%.
Bear Case : COF
The primary concerns for COF are Piotroski F-Score, EPS Growth, Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
COF profiles as a growth stock while WFC is a mature play — different risk/reward profiles.
COF carries more volatility with a beta of 1.02 — expect wider price swings.
COF is growing revenue faster at 1111.0% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (76/100 vs 75/100), backed by strong 27.2% 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.
Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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