WallStSmart

Noah Holdings Ltd (NOAH)vsWells Fargo & Company (WFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 3067% more annual revenue ($83.03B vs $2.62B). WFC leads profitability with a 27.2% profit margin vs 20.4%. NOAH appears more attractively valued with a PEG of 0.75. WFC earns a higher WallStSmart Score of 76/100 (B+).

NOAH

Strong Buy

68

out of 100

Grade: B-

Growth: 2.7Profit: 7.0Value: 7.7Quality: 9.0
Piotroski: 5/9Altman Z: 5.05

WFC

Strong Buy

76

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: -0.38

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NOAH6 strengths · Avg: 9.8/10
P/E RatioValuation
7.6x10/10

Attractively priced relative to earnings

Price/BookValuation
0.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.8%10/10

Strong operational efficiency at 37.8%

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.0510/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
20.4%9/10

Keeps 20 of every $100 in revenue as profit

WFC6 strengths · Avg: 8.8/10
Market CapQuality
$264.46B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
37.1%10/10

Strong operational efficiency at 37.1%

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
12.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
25.0%8/10

Earnings expanding 25.0% YoY

Areas to Watch

NOAH4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.8%4/10

1.8% revenue growth

Market CapQuality
$595.16M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.4%3/10

ROE of 5.4% — below average capital efficiency

EPS GrowthGrowth
-14.3%2/10

Earnings declined 14.3%

WFC3 concerns · Avg: 2.3/10
PEG RatioValuation
1.664/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.382/10

Distress zone — elevated risk

Debt/EquityHealth
2.551/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : NOAH

The strongest argument for NOAH centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 20.4% and operating margin at 37.8%. PEG of 0.75 suggests the stock is reasonably priced for its growth.

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 37.1%.

Bear Case : NOAH

The primary concerns for NOAH are Revenue Growth, Market Cap, Return on Equity.

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

NOAH profiles as a value stock while WFC is a mature play — different risk/reward profiles.

WFC carries more volatility with a beta of 0.92 — expect wider price swings.

WFC is growing revenue faster at 9.5% — sustainability is the question.

Monitor ASSET MANAGEMENT industry trends, competitive dynamics, and regulatory changes.

Bottom Line

WFC scores higher overall (76/100 vs 68/100), backed by strong 27.2% margins. Both earn "Strong 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.

Noah Holdings Ltd

FINANCIAL SERVICES · ASSET MANAGEMENT · China

Noah Holdings Limited, is a provider of wealth and asset management services with a focus on investment and asset allocation services for high-net-worth individuals and companies in mainland China, Hong Kong and internationally. The company is headquartered in Shanghai, the People's Republic of China.

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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