MBIA Inc (MBI)vsWells Fargo & Company (WFC)
MBI
MBIA Inc
$4.62
+3.59%
FINANCIAL SERVICES · Cap: $227.53M
WFC
Wells Fargo & Company
$83.94
-0.42%
FINANCIAL SERVICES · Cap: $250.35B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 94345% more annual revenue ($83.11B vs $88.00M). WFC leads profitability with a 27.6% profit margin vs -164.8%. WFC appears more attractively valued with a PEG of 1.30. WFC earns a higher WallStSmart Score of 74/100 (B).
MBI
Hold38
out of 100
Grade: F
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Conservative balance sheet, low leverage
Strong operational efficiency at 22.2%
Mega-cap, among the largest globally
Attractively priced relative to earnings
Strong operational efficiency at 34.2%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Generating 8.9B in free cash flow
Areas to Watch
Expensive relative to growth rate
0.0% earnings growth
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
0.4% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MBI
The strongest argument for MBI centers on Debt/Equity, Operating Margin.
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 34.2%. PEG of 1.30 suggests the stock is reasonably priced for its growth.
Bear Case : MBI
The primary concerns for MBI are PEG Ratio, EPS Growth, Market Cap.
Bear Case : WFC
The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
MBI profiles as a turnaround stock while WFC is a value play — different risk/reward profiles.
MBI 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 (8.9B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 38/100), backed by strong 27.6% 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.
MBIA Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MBIA Inc. provides financial insurance services to the public financial markets. The company is headquartered in Purchase, New York.
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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