WallStSmart

Oxford Lane Capital Corp Corp Pref 9 (OXLCO)vsWells Fargo & Company (WFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 17791% more annual revenue ($83.03B vs $464.06M). WFC leads profitability with a 27.2% profit margin vs -126.1%. WFC trades at a lower P/E of 12.8x. WFC earns a higher WallStSmart Score of 76/100 (B+).

OXLCO

Avoid

32

out of 100

Grade: F

Growth: 3.0Profit: 5.5Value: 5.3Quality: 6.8
Piotroski: 3/9

WFC

Strong Buy

76

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: -0.38

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

OXLCO2 strengths · Avg: 9.0/10
Operating MarginProfitability
71.8%10/10

Strong operational efficiency at 71.8%

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

WFC6 strengths · Avg: 8.8/10
Market CapQuality
$264.46B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
37.1%10/10

Strong operational efficiency at 37.1%

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
12.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
25.0%8/10

Earnings expanding 25.0% YoY

Areas to Watch

OXLCO4 concerns · Avg: 3.0/10
P/E RatioValuation
27.5x4/10

Moderate valuation

Market CapQuality
$436.87M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-52.0%2/10

ROE of -52.0% — below average capital efficiency

WFC3 concerns · Avg: 2.3/10
PEG RatioValuation
1.664/10

Expensive relative to growth rate

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 : OXLCO

The strongest argument for OXLCO centers on Operating Margin, Price/Book.

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 37.1%.

Bear Case : OXLCO

The primary concerns for OXLCO are P/E Ratio, Market Cap, Piotroski F-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

OXLCO profiles as a turnaround stock while WFC is a mature play — different risk/reward profiles.

WFC carries more volatility with a beta of 0.92 — expect wider price swings.

WFC is growing revenue faster at 9.5% — 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 32/100), backed by strong 27.2% 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.

Oxford Lane Capital Corp Corp Pref 9

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Oxford Lane Capital Corp.

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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