WallStSmart

Stewart Information Services Corp (STC)vsWells Fargo & Company (WFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 2521% more annual revenue ($81.14B vs $3.10B). WFC leads profitability with a 26.7% profit margin vs 4.2%. WFC appears more attractively valued with a PEG of 1.43. WFC earns a higher WallStSmart Score of 74/100 (B).

STC

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 5.0Value: 5.0Quality: 5.0
Piotroski: 2/9

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

STC4 strengths · Avg: 9.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
400.0%10/10

Earnings expanding 400.0% YoY

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
27.7%8/10

Revenue surging 27.7% 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

STC4 concerns · Avg: 2.8/10
Profit MarginProfitability
4.2%3/10

4.2% margin — thin

Operating MarginProfitability
4.0%3/10

Operating margin of 4.0%

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
3.712/10

Expensive relative to growth rate

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

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : STC

The strongest argument for STC centers on Price/Book, EPS Growth, P/E Ratio. Revenue growth of 27.7% demonstrates continued momentum.

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 : STC

The primary concerns for STC are Profit Margin, Operating Margin, Piotroski F-Score. Thin 4.2% margins leave little buffer for downturns.

Bear Case : WFC

The primary concerns for WFC are Altman Z-Score.

Key Dynamics to Monitor

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

STC carries more volatility with a beta of 1.04 — expect wider price swings.

STC is growing revenue faster at 27.7% — sustainability is the question.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

WFC scores higher overall (74/100 vs 61/100), backed by strong 26.7% 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.

Stewart Information Services Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Stewart Information Services Corporation offers title insurance and real estate transaction services. The company is headquartered in Houston, Texas.

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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