U.S. Bancorp (USB)vsWipro Limited ADR (WIT)
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
WIT
Wipro Limited ADR
$2.09
-0.48%
TECHNOLOGY · Cap: $22.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Wipro Limited ADR generates 3349% more annual revenue ($908.92B vs $26.35B). USB leads profitability with a 28.7% profit margin vs 14.6%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
USB
Strong Buy75
out of 100
Grade: B
WIT
Buy53
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Margin of Safety
-171.6%
Fair Value
$0.88
Current Price
$2.09
$1.21 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Generating 37.9B in free cash flow
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Earnings declined 7.2%
Comparative Analysis Report
WallStSmart ResearchBull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bull Case : WIT
The strongest argument for WIT centers on Free Cash Flow, Altman Z-Score, P/E Ratio.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Bear Case : WIT
The primary concerns for WIT are PEG Ratio, EPS Growth.
Key Dynamics to Monitor
USB profiles as a mature stock while WIT is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
WIT is growing revenue faster at 5.5% — sustainability is the question.
WIT generates stronger free cash flow (37.9B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 53/100), backed by strong 28.7% 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.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
Wipro Limited ADR
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA
Wipro Limited is a global information technology (IT), consulting and business process services company. The company is headquartered in Bengaluru, India.
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