WallStSmart

WaFd, Inc. (WAFDP)vsWells Fargo & Company (WFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 10809% more annual revenue ($83.03B vs $761.06M). WAFDP leads profitability with a 33.7% profit margin vs 27.2%. WAFDP trades at a lower P/E of 6.0x. WFC earns a higher WallStSmart Score of 76/100 (B+).

WAFDP

Hold

45

out of 100

Grade: D

Growth: 8.0Profit: 7.5Value: 6.7Quality: 5.5
Piotroski: 5/9Altman Z: -0.61

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

WAFDP4 strengths · Avg: 10.0/10
P/E RatioValuation
6.0x10/10

Attractively priced relative to earnings

Price/BookValuation
0.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
33.7%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
46.1%10/10

Strong operational efficiency at 46.1%

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

WAFDP2 concerns · Avg: 2.5/10
Debt/EquityHealth
1.103/10

Elevated debt levels

Altman Z-ScoreHealth
-0.612/10

Distress zone — elevated risk

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 : WAFDP

The strongest argument for WAFDP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.7% and operating margin at 46.1%.

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 : WAFDP

The primary concerns for WAFDP are Debt/Equity, Altman Z-Score.

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

WFC carries more volatility with a beta of 0.92 — 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.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

WFC scores higher overall (76/100 vs 45/100), backed by strong 27.2% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

WaFd, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

WaFd, Inc. (WAFDP), headquartered in Seattle, Washington, operates as a multifaceted financial institution offering a diverse range of services, including retail and commercial banking, mortgage banking, and wealth management. Catering to individuals, businesses, and communities throughout the Western United States, WaFd harnesses cutting-edge technology and in-depth market insights to deliver superior customer experiences. With a strong financial foundation characterized by resilience through economic cycles and a dedication to prudent risk management, WaFd is committed to fostering sustainable growth and community engagement, establishing itself as a dependable partner in the region’s economic landscape.

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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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