CPI Card Group Inc (PMTS)vsWells Fargo & Company (WFC)
PMTS
CPI Card Group Inc
$16.94
-6.72%
FINANCIAL SERVICES · Cap: $194.14M
WFC
Wells Fargo & Company
$82.23
+0.88%
FINANCIAL SERVICES · Cap: $249.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 14827% more annual revenue ($81.14B vs $543.53M). WFC leads profitability with a 26.7% profit margin vs 2.8%. PMTS appears more attractively valued with a PEG of 0.57. WFC earns a higher WallStSmart Score of 74/100 (B).
PMTS
Buy52
out of 100
Grade: C-
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Revenue surging 22.3% year-over-year
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 4.1B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
2.8% margin — thin
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PMTS
The strongest argument for PMTS centers on PEG Ratio, P/E Ratio, Revenue Growth. Revenue growth of 22.3% demonstrates continued momentum. PEG of 0.57 suggests the stock is reasonably priced for its growth.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 suggests the stock is reasonably priced for its growth.
Bear Case : PMTS
The primary concerns for PMTS are Market Cap, Return on Equity, Profit Margin. Thin 2.8% margins leave little buffer for downturns.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
PMTS profiles as a growth stock while WFC is a mature play — different risk/reward profiles.
WFC carries more volatility with a beta of 1.06 — expect wider price swings.
PMTS is growing revenue faster at 22.3% — sustainability is the question.
WFC generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 52/100), backed by strong 26.7% margins. Both earn "Strong Buy" and "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.
CPI Card Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
CPI Card Group Inc. is dedicated to the design, production, data personalization, packaging and fulfillment of financial payment cards. The company is headquartered in Littleton, Colorado.
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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