Charles Schwab Corp (SCHW)vsWells Fargo & Company (WFC)
SCHW
Charles Schwab Corp
$91.54
-0.11%
FINANCIAL SERVICES · Cap: $160.57B
WFC
Wells Fargo & Company
$80.81
-1.73%
FINANCIAL SERVICES · Cap: $249.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 227% more annual revenue ($81.14B vs $24.80B). SCHW leads profitability with a 38.0% profit margin vs 26.7%. SCHW appears more attractively valued with a PEG of 1.16. SCHW earns a higher WallStSmart Score of 75/100 (B+).
SCHW
Strong Buy75
out of 100
Grade: B+
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 49.2%
Conservative balance sheet, low leverage
Large-cap with strong market position
15.8% revenue growth
Earnings expanding 38.6% YoY
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 9.1B in free cash flow
Areas to Watch
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SCHW
The strongest argument for SCHW centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 38.0% and operating margin at 49.2%. Revenue growth of 15.8% demonstrates continued momentum.
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 : SCHW
The primary concerns for SCHW are Free Cash Flow.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
SCHW 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.
SCHW is growing revenue faster at 15.8% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
SCHW scores higher overall (75/100 vs 74/100), backed by strong 38.0% margins and 15.8% 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.
Charles Schwab Corp
FINANCIAL SERVICES · CAPITAL MARKETS · USA
The Charles Schwab Corporation is an American multinational financial services company. It offers banking, commercial banking, an electronic trading platform, and wealth management advisory services to both retail and institutional clients.
Visit Website →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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