Old Republic International Corp (ORI)vsWells Fargo & Company (WFC)
ORI
Old Republic International Corp
$44.59
+0.41%
FINANCIAL SERVICES · Cap: $10.29B
WFC
Wells Fargo & Company
$85.43
+1.86%
FINANCIAL SERVICES · Cap: $264.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 781% more annual revenue ($83.03B vs $9.42B). WFC leads profitability with a 27.2% profit margin vs 10.8%. ORI appears more attractively valued with a PEG of 1.39. ORI earns a higher WallStSmart Score of 77/100 (B+).
ORI
Strong Buy77
out of 100
Grade: B+
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 34.7% YoY
Mega-cap, among the largest globally
Strong operational efficiency at 37.1%
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
No major concerns identified
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : ORI
The strongest argument for ORI centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 13.5% demonstrates continued momentum. PEG of 1.39 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 : ORI
No major red flags identified for ORI, but monitor valuation.
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
ORI 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.
ORI is growing revenue faster at 13.5% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
ORI scores higher overall (77/100 vs 76/100) and 13.5% revenue growth. 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.
Old Republic International Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Old Republic International Corporation is engaged in the insurance underwriting and related services business primarily in the United States and Canada. The company is headquartered in Chicago, Illinois.
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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