Wells Fargo & Company (WFC)vsWhite Mountains Insurance Group Ltd (WTM)
WFC
Wells Fargo & Company
$90.29
+0.94%
FINANCIAL SERVICES · Cap: $273.04B
WTM
White Mountains Insurance Group Ltd
$2,053.15
-1.08%
FINANCIAL SERVICES · Cap: $4.89B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 2687% more annual revenue ($83.03B vs $2.98B). WTM leads profitability with a 37.7% profit margin vs 27.2%. WTM appears more attractively valued with a PEG of 0.81. WTM earns a higher WallStSmart Score of 92/100 (A+).
WFC
Strong Buy76
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
Strong operational efficiency at 37.4%
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
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
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
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, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%.
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 PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
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 mature stock while WTM is a growth play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.92 — 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 76/100), 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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