WallStSmart

Lendingtree Inc (TREE)vsWells Fargo & Company (WFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 7162% more annual revenue ($81.14B vs $1.12B). WFC leads profitability with a 26.7% profit margin vs 13.5%. WFC appears more attractively valued with a PEG of 1.45. WFC earns a higher WallStSmart Score of 74/100 (B).

TREE

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 7.0Value: 5.7Quality: 5.0

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

TREE5 strengths · Avg: 9.2/10
P/E RatioValuation
4.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
76.5%10/10

Every $100 of equity generates 77 in profit

EPS GrowthGrowth
1747.0%10/10

Earnings expanding 1747.0% YoY

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
22.2%8/10

Revenue surging 22.2% year-over-year

WFC6 strengths · Avg: 8.5/10
Market CapQuality
$249.77B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
26.7%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Operating MarginProfitability
29.4%8/10

Strong operational efficiency at 29.4%

Free Cash FlowQuality
$4.12B8/10

Generating 4.1B in free cash flow

Areas to Watch

TREE2 concerns · Avg: 2.5/10
Market CapQuality
$702.12M3/10

Smaller company, higher risk/reward

PEG RatioValuation
3.552/10

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 : TREE

The strongest argument for TREE centers on P/E Ratio, Return on Equity, EPS Growth. Revenue growth of 22.2% demonstrates continued momentum.

Bull Case : WFC

The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 suggests the stock is reasonably priced for its growth.

Bear Case : TREE

The primary concerns for TREE are Market Cap, PEG Ratio.

Bear Case : WFC

The primary concerns for WFC are Altman Z-Score.

Key Dynamics to Monitor

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

TREE carries more volatility with a beta of 2.15 — expect wider price swings.

TREE is growing revenue faster at 22.2% — sustainability is the question.

WFC generates stronger free cash flow (4.1B), providing more financial flexibility.

Bottom Line

WFC scores higher overall (74/100 vs 69/100), backed by strong 26.7% margins. 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.

Lendingtree Inc

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

LendingTree, Inc., through its subsidiary, LT Intermediate Company, LLC, operates an online consumer platform in the United States. The company is headquartered in Charlotte, North Carolina.

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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