SLM Corp Pb Pref (SLMBP)vsWells Fargo & Company (WFC)
SLMBP
SLM Corp Pb Pref
$74.15
-0.80%
FINANCIAL SERVICES · Cap: $4.83B
WFC
Wells Fargo & Company
$90.29
+0.94%
FINANCIAL SERVICES · Cap: $273.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 4824% more annual revenue ($83.03B vs $1.69B). SLMBP leads profitability with a 43.6% profit margin vs 27.2%. WFC trades at a lower P/E of 13.1x. WFC earns a higher WallStSmart Score of 76/100 (B+).
SLMBP
Buy50
out of 100
Grade: C-
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 31 in profit
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 29.2%
Mega-cap, among the largest globally
Strong operational efficiency at 37.4%
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
Premium valuation, high expectations priced in
Earnings declined 9.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : SLMBP
The strongest argument for SLMBP centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 43.6% and operating margin at 29.2%.
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 37.4%.
Bear Case : SLMBP
The primary concerns for SLMBP are P/E Ratio, EPS Growth, Free Cash Flow. Debt-to-equity of 2.36 is elevated, increasing financial risk.
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
SLMBP carries more volatility with a beta of 0.97 — expect wider price swings.
WFC is growing revenue faster at 9.5% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WFC scores higher overall (76/100 vs 50/100), backed by strong 27.2% 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.
SLM Corp Pb Pref
FINANCIAL SERVICES · CREDIT SERVICES · USA
SLM Corporation originates and provides private education loan services to students and their families to finance the cost of their education in the United States. The company is headquartered in Newark, Delaware.
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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