Regional Management Corp (RM)vsWells Fargo & Company (WFC)
RM
Regional Management Corp
$35.93
0.00%
FINANCIAL SERVICES · Cap: $339.14M
WFC
Wells Fargo & Company
$81.94
+1.61%
FINANCIAL SERVICES · Cap: $236.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 12602% more annual revenue ($81.14B vs $638.78M). WFC leads profitability with a 26.7% profit margin vs 7.6%. RM appears more attractively valued with a PEG of 0.90. RM earns a higher WallStSmart Score of 77/100 (B+).
RM
Strong Buy77
out of 100
Grade: B+
WFC
Strong Buy74
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 68.6% YoY
Growing faster than its price suggests
Strong operational efficiency at 23.3%
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
Distress zone — elevated risk
Smaller company, higher risk/reward
7.6% margin — thin
Elevated debt levels
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : RM
The strongest argument for RM centers on P/E Ratio, Price/Book, EPS Growth. PEG of 0.90 suggests the stock is reasonably priced for its growth.
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 : RM
The primary concerns for RM are Altman Z-Score, Market Cap, Profit Margin. Debt-to-equity of 4.42 is elevated, increasing financial risk.
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
RM profiles as a value stock while WFC is a mature play — different risk/reward profiles.
RM carries more volatility with a beta of 1.02 — expect wider price swings.
RM is growing revenue faster at 9.6% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
RM scores higher overall (77/100 vs 74/100). 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.
Regional Management Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Regional Management Corp, a diversified consumer finance company, offers various installment loan products primarily to clients with limited access to consumer credit from banks, savings companies, credit card companies, and other lenders. The company is headquartered in Greer, South Carolina.
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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