MBIA Inc (MBI)vsWells Fargo & Company (WFC)
MBI
MBIA Inc
$4.52
-0.44%
FINANCIAL SERVICES · Cap: $244.37M
WFC
Wells Fargo & Company
$86.88
-0.18%
FINANCIAL SERVICES · Cap: $273.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 94248% more annual revenue ($83.03B vs $88.00M). WFC leads profitability with a 27.2% profit margin vs -164.8%. WFC appears more attractively valued with a PEG of 1.51. WFC earns a higher WallStSmart Score of 76/100 (B+).
MBI
Hold38
out of 100
Grade: F
WFC
Strong Buy76
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
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
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
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
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, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%.
Bear Case : MBI
The primary concerns for MBI are PEG Ratio, EPS Growth, Market Cap.
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.
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 1.34 — expect wider price swings.
WFC is growing revenue faster at 9.5% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (76/100 vs 38/100), backed by strong 27.2% 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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