WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 6791% more annual revenue ($83.03B vs $1.20B). WFC leads profitability with a 27.2% profit margin vs 15.0%. WFC appears more attractively valued with a PEG of 1.66. WFC earns a higher WallStSmart Score of 76/100 (B+).

TREE

Strong Buy

76

out of 100

Grade: B+

Growth: 8.0Profit: 8.0Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: 0.88

WFC

Strong Buy

76

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: -0.38

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TREE5 strengths · Avg: 9.6/10
P/E RatioValuation
3.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
59.4%10/10

Every $100 of equity generates 59 in profit

Revenue GrowthGrowth
36.5%10/10

Revenue surging 36.5% year-over-year

EPS GrowthGrowth
1747.0%10/10

Earnings expanding 1747.0% YoY

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

WFC6 strengths · Avg: 8.8/10
Market CapQuality
$264.46B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
37.1%10/10

Strong operational efficiency at 37.1%

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
12.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
25.0%8/10

Earnings expanding 25.0% YoY

Areas to Watch

TREE4 concerns · Avg: 2.5/10
Market CapQuality
$563.70M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.443/10

Elevated debt levels

PEG RatioValuation
3.552/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.882/10

Distress zone — elevated risk

WFC3 concerns · Avg: 2.3/10
PEG RatioValuation
1.664/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.382/10

Distress zone — elevated risk

Debt/EquityHealth
2.551/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : TREE

The strongest argument for TREE centers on P/E Ratio, Return on Equity, Revenue Growth. Revenue growth of 36.5% demonstrates continued momentum.

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 37.1%.

Bear Case : TREE

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

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

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

TREE carries more volatility with a beta of 2.01 — expect wider price swings.

TREE is growing revenue faster at 36.5% — sustainability is the question.

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

Bottom Line

TREE scores higher overall (76/100 vs 76/100) and 36.5% 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.

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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