CPI Card Group Inc (PMTS)vsWells Fargo & Company (WFC)
PMTS
CPI Card Group Inc
$22.50
-16.48%
FINANCIAL SERVICES · Cap: $310.64M
WFC
Wells Fargo & Company
$88.71
-1.76%
FINANCIAL SERVICES · Cap: $273.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 14037% more annual revenue ($83.03B vs $587.31M). WFC leads profitability with a 27.2% profit margin vs 2.3%. PMTS appears more attractively valued with a PEG of 0.57. WFC earns a higher WallStSmart Score of 76/100 (B+).
PMTS
Buy57
out of 100
Grade: C
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 325.0% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
15.0% revenue growth
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
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
2.3% margin — thin
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : PMTS
The strongest argument for PMTS centers on EPS Growth, Debt/Equity, PEG Ratio. Revenue growth of 15.0% demonstrates continued momentum. PEG of 0.57 suggests the stock is reasonably priced for its growth.
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 : PMTS
The primary concerns for PMTS are Market Cap, Return on Equity, Profit Margin. Thin 2.3% margins leave little buffer for downturns.
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
PMTS profiles as a value stock while WFC is a mature play — different risk/reward profiles.
PMTS carries more volatility with a beta of 0.97 — expect wider price swings.
PMTS is growing revenue faster at 15.0% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (76/100 vs 57/100), backed by strong 27.2% margins. Both earn "Strong Buy" and "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.
CPI Card Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
CPI Card Group Inc. is dedicated to the design, production, data personalization, packaging and fulfillment of financial payment cards. The company is headquartered in Littleton, Colorado.
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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