WallStSmart

Lazard Ltd (LAZ)vsWells Fargo & Company (WFC)

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Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 2498% more annual revenue ($83.11B vs $3.20B). WFC leads profitability with a 27.6% profit margin vs 7.1%. LAZ appears more attractively valued with a PEG of 1.00. WFC earns a higher WallStSmart Score of 74/100 (B).

LAZ

Buy

53

out of 100

Grade: C-

Growth: 3.3Profit: 6.0Value: 7.0Quality: 5.5
Piotroski: 3/9Altman Z: 2.05

WFC

Strong Buy

74

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 7.0Quality: 5.5
Piotroski: 4/9Altman Z: -0.38

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LAZ3 strengths · Avg: 8.7/10
Return on EquityProfitability
31.5%10/10

Every $100 of equity generates 31 in profit

PEG RatioValuation
1.008/10

Growing faster than its price suggests

P/E RatioValuation
17.7x8/10

Attractively priced relative to earnings

WFC6 strengths · Avg: 9.2/10
Market CapQuality
$251.75B10/10

Mega-cap, among the largest globally

P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Operating MarginProfitability
34.1%10/10

Strong operational efficiency at 34.1%

Profit MarginProfitability
27.6%9/10

Keeps 28 of every $100 in revenue as profit

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$6.78B8/10

Generating 6.8B in free cash flow

Areas to Watch

LAZ4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
0.1%4/10

0.1% revenue growth

Profit MarginProfitability
7.1%3/10

7.1% margin — thin

Operating MarginProfitability
4.8%3/10

Operating margin of 4.8%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

WFC3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.4%4/10

0.4% revenue growth

Debt/EquityHealth
1.263/10

Elevated debt levels

Altman Z-ScoreHealth
-0.382/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : LAZ

The strongest argument for LAZ centers on Return on Equity, PEG Ratio, P/E Ratio. PEG of 1.00 suggests the stock is reasonably priced for its growth.

Bull 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.

Bear Case : LAZ

The primary concerns for LAZ are Revenue Growth, Profit Margin, Operating Margin. Debt-to-equity of 2.28 is elevated, increasing financial risk.

Bear Case : WFC

The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

LAZ carries more volatility with a beta of 1.46 — expect wider price swings.

WFC is growing revenue faster at 0.4% — sustainability is the question.

WFC generates stronger free cash flow (6.8B), providing more financial flexibility.

Monitor CAPITAL MARKETS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

WFC scores higher overall (74/100 vs 53/100), backed by strong 27.6% 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.

Lazard Ltd

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Lazard Ltd, is a financial advisory and asset management firm in North America, Europe, Asia, Australia, and Central and South America. The company is headquartered in Hamilton, Bermuda.

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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