MBIA Inc (MBI)vsWells Fargo & Company (WFC)
MBI
MBIA Inc
$6.13
+7.17%
FINANCIAL SERVICES · Cap: $289.81M
WFC
Wells Fargo & Company
$81.94
-0.64%
FINANCIAL SERVICES · Cap: $236.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 82691% more annual revenue ($81.14B vs $98.00M). WFC leads profitability with a 26.7% profit margin vs -158.2%. WFC appears more attractively valued with a PEG of 1.37. 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
Mega-cap, among the largest globally
Attractively priced relative to earnings
Keeps 27 of every $100 in revenue as profit
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 9.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
4.8% revenue growth
0.0% earnings growth
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : MBI
The strongest argument for MBI centers on Debt/Equity.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.37 suggests the stock is reasonably priced for its growth.
Bear Case : MBI
The primary concerns for MBI are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.53 is elevated, increasing financial risk.
Key Dynamics to Monitor
MBI profiles as a turnaround stock while WFC is a mature play — different risk/reward profiles.
MBI carries more volatility with a beta of 1.37 — expect wider price swings.
WFC is growing revenue faster at 5.7% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 38/100), backed by strong 26.7% 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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