Wells Fargo & Company (WFC)vsWhite Mountains Insurance Group Ltd (WTM)
WFC
Wells Fargo & Company
$84.81
+1.36%
FINANCIAL SERVICES · Cap: $251.75B
WTM
White Mountains Insurance Group Ltd
$2,245.96
+1.69%
FINANCIAL SERVICES · Cap: $5.16B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 2690% more annual revenue ($83.11B vs $2.98B). WTM leads profitability with a 37.7% profit margin vs 27.6%. WTM appears more attractively valued with a PEG of 0.81. WTM earns a higher WallStSmart Score of 92/100 (A+).
WFC
Strong Buy74
out of 100
Grade: B
WTM
Exceptional Buy92
out of 100
Grade: A+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Attractively priced relative to earnings
Strong operational efficiency at 34.1%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Generating 6.8B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 36.4%
Earnings expanding 68.8% YoY
Conservative balance sheet, low leverage
Areas to Watch
0.4% revenue growth
Elevated debt levels
Distress zone — elevated risk
Grey zone — moderate risk
Weak financial health signals
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 34.1%. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bull Case : WTM
The strongest argument for WTM centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.7% and operating margin at 36.4%. Revenue growth of 22.5% demonstrates continued momentum.
Bear Case : WFC
The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.
Bear Case : WTM
The primary concerns for WTM are Altman Z-Score, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
WFC profiles as a value stock while WTM is a growth play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.95 — expect wider price swings.
WTM is growing revenue faster at 22.5% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
WTM scores higher overall (92/100 vs 74/100), backed by strong 37.7% margins and 22.5% revenue growth. Both earn "Exceptional 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.
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.
White Mountains Insurance Group Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.
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