WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 6447% more annual revenue ($83.03B vs $1.27B). WFC leads profitability with a 27.2% profit margin vs 14.3%. WFC appears more attractively valued with a PEG of 1.51. WFC earns a higher WallStSmart Score of 76/100 (B+).

TREE

Buy

64

out of 100

Grade: C+

Growth: 5.3Profit: 7.0Value: 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

TREE4 strengths · Avg: 9.5/10
P/E RatioValuation
2.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Return on EquityProfitability
56.6%10/10

Every $100 of equity generates 57 in profit

Revenue GrowthGrowth
25.3%8/10

Revenue surging 25.3% year-over-year

WFC6 strengths · Avg: 8.8/10
Market CapQuality
$273.04B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
37.4%10/10

Strong operational efficiency at 37.4%

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

EPS GrowthGrowth
25.0%8/10

Earnings expanding 25.0% YoY

Areas to Watch

TREE4 concerns · Avg: 3.0/10
EPS GrowthGrowth
4.6%4/10

4.6% earnings growth

Market CapQuality
$393.25M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.353/10

Elevated debt levels

PEG RatioValuation
3.552/10

Expensive relative to growth rate

WFC3 concerns · Avg: 2.3/10
PEG RatioValuation
1.514/10

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, Price/Book, Return on Equity. Revenue growth of 25.3% 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 37.4%.

Bear Case : TREE

The primary concerns for TREE are EPS Growth, Market Cap, Debt/Equity.

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 2.08 — expect wider price swings.

TREE is growing revenue faster at 25.3% — 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 64/100), 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.

Lendingtree Inc

FINANCIAL SERVICES · INSURANCE BROKERS · 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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