WallStSmart

Nuveen Variable Rate Preferred & Income Fund (NPFD)vsWells Fargo & Company (WFC)

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Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 169261% more annual revenue ($83.03B vs $49.02M). NPFD leads profitability with a 61.6% profit margin vs 27.2%. WFC trades at a lower P/E of 11.8x. WFC earns a higher WallStSmart Score of 78/100 (B+).

NPFD

Hold

48

out of 100

Grade: D+

Growth: 3.7Profit: 8.5Value: 6.0Quality: 5.3
Piotroski: 2/9Altman Z: 1.07

WFC

Strong Buy

78

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 7.0Quality: 3.0
Piotroski: 4/9Altman Z: -0.38

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NPFD4 strengths · Avg: 9.5/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
61.6%10/10

Keeps 62 of every $100 in revenue as profit

Operating MarginProfitability
83.8%10/10

Strong operational efficiency at 83.8%

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

WFC6 strengths · Avg: 9.2/10
Market CapQuality
$246.49B10/10

Mega-cap, among the largest globally

P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Operating MarginProfitability
37.4%10/10

Strong operational efficiency at 37.4%

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
25.0%8/10

Earnings expanding 25.0% YoY

Areas to Watch

NPFD4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.8%4/10

3.8% revenue growth

Market CapQuality
$429.15M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-93.6%2/10

Earnings declined 93.6%

WFC2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
-0.382/10

Distress zone — elevated risk

Debt/EquityHealth
2.551/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : NPFD

The strongest argument for NPFD centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 61.6% and operating margin at 83.8%.

Bull Case : WFC

The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%. PEG of 1.39 suggests the stock is reasonably priced for its growth.

Bear Case : NPFD

The primary concerns for NPFD are Revenue Growth, Market Cap, Piotroski F-Score.

Bear Case : WFC

The primary concerns for WFC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.

Key Dynamics to Monitor

NPFD profiles as a value stock while WFC is a mature play — different risk/reward profiles.

WFC carries more volatility with a beta of 0.95 — expect wider price swings.

WFC is growing revenue faster at 9.5% — sustainability is the question.

WFC generates stronger free cash flow (6.8B), providing more financial flexibility.

Bottom Line

WFC scores higher overall (78/100 vs 48/100), backed by strong 27.2% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Nuveen Variable Rate Preferred & Income Fund

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

The Nuveen Variable Rate Preferred & Income Fund (NPFD) is a closed-end fund tailored for institutional investors aiming to achieve significant current income through a diversified portfolio of variable-rate preferred and income-generating securities. Managed by the esteemed investment management firm Nuveen, the fund prioritizes high-quality assets and employs a disciplined investment strategy to enhance risk-adjusted returns. By focusing on income stability amidst shifting interest rate conditions, NPFD presents an attractive opportunity to engage with the preferred securities market while effectively navigating income-related challenges.

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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