WallStSmart

Skyward Specialty Insurance Group, Inc. Common Stock (SKWD)vsWells Fargo & Company (WFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 5628% more annual revenue ($81.14B vs $1.42B). WFC leads profitability with a 26.7% profit margin vs 12.0%. SKWD appears more attractively valued with a PEG of 0.73. SKWD earns a higher WallStSmart Score of 80/100 (B+).

SKWD

Strong Buy

80

out of 100

Grade: B+

Growth: 9.3Profit: 7.0Value: 7.7Quality: 6.3
Piotroski: 5/9Altman Z: 1.47

WFC

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 6.3Quality: 5.8
Piotroski: 4/9Altman Z: 0.43

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SKWD6 strengths · Avg: 8.8/10
P/E RatioValuation
11.0x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
203.4%10/10

Earnings expanding 203.4% YoY

Debt/EquityHealth
0.129/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.738/10

Growing faster than its price suggests

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
26.7%8/10

Revenue surging 26.7% year-over-year

WFC6 strengths · Avg: 8.8/10
Market CapQuality
$242.24B10/10

Mega-cap, among the largest globally

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
26.7%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
12.2x8/10

Attractively priced relative to earnings

Operating MarginProfitability
29.4%8/10

Strong operational efficiency at 29.4%

Free Cash FlowQuality
$9.14B8/10

Generating 9.1B in free cash flow

Areas to Watch

SKWD1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

WFC1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.432/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : SKWD

The strongest argument for SKWD centers on P/E Ratio, EPS Growth, Debt/Equity. Revenue growth of 26.7% demonstrates continued momentum. PEG of 0.73 suggests the stock is reasonably priced for its growth.

Bull Case : WFC

The strongest argument for WFC centers on Market Cap, Price/Book, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.43 suggests the stock is reasonably priced for its growth.

Bear Case : SKWD

The primary concerns for SKWD are Altman Z-Score.

Bear Case : WFC

The primary concerns for WFC are Altman Z-Score.

Key Dynamics to Monitor

SKWD profiles as a growth stock while WFC is a mature play — different risk/reward profiles.

WFC carries more volatility with a beta of 0.96 — expect wider price swings.

SKWD is growing revenue faster at 26.7% — sustainability is the question.

WFC generates stronger free cash flow (9.1B), providing more financial flexibility.

Bottom Line

SKWD scores higher overall (80/100 vs 74/100) and 26.7% revenue growth. 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.

Skyward Specialty Insurance Group, Inc. Common Stock

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Skyward Specialty Insurance Group, Inc., an insurance holding company, engages in underwriting commercial property and casualty insurance coverages in the United States. The company is headquartered in Houston, Texas.

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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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