State Street Corp (STT)vsWells Fargo & Company (WFC)
STT
State Street Corp
$193.40
+1.10%
FINANCIAL SERVICES · Cap: $53.28B
WFC
Wells Fargo & Company
$88.71
-1.76%
FINANCIAL SERVICES · Cap: $273.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 453% more annual revenue ($83.03B vs $15.02B). WFC leads profitability with a 27.2% profit margin vs 23.0%. STT appears more attractively valued with a PEG of 0.70. WFC earns a higher WallStSmart Score of 76/100 (B+).
STT
Buy62
out of 100
Grade: C+
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Keeps 23 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 27.8%
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
Elevated debt levels
Revenue declined 2.8%
Earnings declined 24.1%
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : STT
The strongest argument for STT centers on Market Cap, Profit Margin, PEG Ratio. Profitability is solid with margins at 23.0% and operating margin at 27.8%. PEG of 0.70 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 : STT
The primary concerns for STT are Debt/Equity, Revenue Growth, EPS Growth.
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
STT profiles as a declining stock while WFC is a mature play — different risk/reward profiles.
STT carries more volatility with a beta of 1.42 — expect wider price swings.
WFC is growing revenue faster at 9.5% — 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 62/100), 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.
State Street Corp
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
State Street Corporation is an American financial services and bank holding company headquartered at One Lincoln Street in Boston with operations worldwide.
Visit Website →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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