Natera Inc (NTRA)vsU.S. Bancorp (USB)
NTRA
Natera Inc
$194.24
-11.64%
HEALTHCARE · Cap: $30.71B
USB
U.S. Bancorp
$55.53
+0.40%
FINANCIAL SERVICES · Cap: $85.86B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 1055% more annual revenue ($26.65B vs $2.31B). USB leads profitability with a 29.3% profit margin vs -9.0%. USB earns a higher WallStSmart Score of 71/100 (B).
NTRA
Avoid31
out of 100
Grade: F
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 39.8% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Trading at 15.8x book value
0.0% earnings growth
ROE of -14.3% — below average capital efficiency
Currently unprofitable
Expensive relative to growth rate
4.6% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NTRA
The strongest argument for NTRA centers on Revenue Growth. Revenue growth of 39.8% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : NTRA
The primary concerns for NTRA are Price/Book, EPS Growth, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
NTRA profiles as a hypergrowth stock while USB is a value play — different risk/reward profiles.
NTRA carries more volatility with a beta of 1.57 — expect wider price swings.
NTRA is growing revenue faster at 39.8% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (71/100 vs 31/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Natera Inc
HEALTHCARE · DIAGNOSTICS & RESEARCH · USA
Natera, Inc., a diagnostic company, develops and markets molecular testing services globally. The company is headquartered in San Carlos, California.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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