UBS Group AG (UBS)vsWells Fargo & Company (WFC)
UBS
UBS Group AG
$36.73
-1.69%
FINANCIAL SERVICES · Cap: $116.05B
WFC
Wells Fargo & Company
$77.60
+1.58%
FINANCIAL SERVICES · Cap: $243.59B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 61% more annual revenue ($80.04B vs $49.60B). WFC leads profitability with a 26.7% profit margin vs 15.7%. UBS appears more attractively valued with a PEG of 0.45. UBS earns a higher WallStSmart Score of 77/100 (B+).
UBS
Strong Buy77
out of 100
Grade: B+
WFC
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+61.7%
Fair Value
$110.45
Current Price
$36.73
$73.72 discount
Margin of Safety
+55.4%
Fair Value
$173.78
Current Price
$77.60
$96.18 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 54.6%
Earnings expanding 58.0% YoY
Large-cap with strong market position
Attractively priced relative to earnings
Mega-cap, among the largest globally
Reasonable price relative to book value
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.9%
Generating 4.1B in free cash flow
Areas to Watch
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : UBS
The strongest argument for UBS centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 15.7% and operating margin at 54.6%. Revenue growth of 12.4% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Price/Book, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.9%.
Bear Case : UBS
The primary concerns for UBS are Free Cash Flow.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
UBS profiles as a mature stock while WFC is a value play — different risk/reward profiles.
WFC carries more volatility with a beta of 1.07 — expect wider price swings.
UBS is growing revenue faster at 12.4% — sustainability is the question.
WFC generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
UBS scores higher overall (77/100 vs 72/100), backed by strong 15.7% margins and 12.4% revenue growth. WFC offers better value entry with a 55.4% margin of safety. 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.
UBS Group AG
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
UBS Group AG, provides advice and financial solutions to private, institutional and corporate clients worldwide. The company is headquartered in Zurich, Switzerland.
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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