Wells Fargo & Company (WFC)vsWorld Acceptance Corporation (WRLD)
WFC
Wells Fargo & Company
$85.43
+1.86%
FINANCIAL SERVICES · Cap: $264.46B
WRLD
World Acceptance Corporation
$185.56
-2.16%
FINANCIAL SERVICES · Cap: $891.22M
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 14098% more annual revenue ($83.03B vs $584.79M). WFC leads profitability with a 27.2% profit margin vs 5.9%. WRLD appears more attractively valued with a PEG of 0.70. WFC earns a higher WallStSmart Score of 76/100 (B+).
WFC
Strong Buy76
out of 100
Grade: B+
WRLD
Buy60
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Strong operational efficiency at 37.1%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Strong operational efficiency at 33.0%
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Moderate valuation
Smaller company, higher risk/reward
5.9% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : WRLD
The strongest argument for WRLD centers on Operating Margin, PEG Ratio, Price/Book. PEG of 0.70 suggests the stock is reasonably priced for its growth.
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.
Bear Case : WRLD
The primary concerns for WRLD are P/E Ratio, Market Cap, Profit Margin.
Key Dynamics to Monitor
WFC profiles as a mature stock while WRLD is a value play — different risk/reward profiles.
WRLD carries more volatility with a beta of 1.14 — expect wider price swings.
WFC is growing revenue faster at 9.5% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (76/100 vs 60/100), 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.
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.
World Acceptance Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.
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