Wells Fargo & Company (WFC)vsWhiteHorse Finance (WHF)
WFC
Wells Fargo & Company
$82.23
-1.73%
FINANCIAL SERVICES · Cap: $249.77B
WHF
WhiteHorse Finance
$7.60
+0.40%
FINANCIAL SERVICES · Cap: $170.09M
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 111545% more annual revenue ($81.14B vs $72.67M). WFC leads profitability with a 26.7% profit margin vs 19.7%. WHF appears more attractively valued with a PEG of 1.01. WFC earns a higher WallStSmart Score of 74/100 (B).
WFC
Strong Buy74
out of 100
Grade: B
WHF
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Strong operational efficiency at 68.1%
Earnings expanding 114.0% YoY
Attractively priced relative to earnings
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 5.3% — below average capital efficiency
Elevated debt levels
Revenue declined 17.5%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : WHF
The strongest argument for WHF centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 19.7% and operating margin at 68.1%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Bear Case : WHF
The primary concerns for WHF are Market Cap, Return on Equity, Debt/Equity.
Key Dynamics to Monitor
WFC profiles as a mature stock while WHF is a declining play — different risk/reward profiles.
WFC carries more volatility with a beta of 1.06 — expect wider price swings.
WFC is growing revenue faster at 5.7% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 66/100), backed by strong 26.7% margins. 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.
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.
WhiteHorse Finance
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
WhiteHorse Finance, Inc. (WHF) is a premier business development company that offers tailored financing solutions to private middle-market businesses. Founded in 2013 and publicly listed since 2014, WHF has established a robust portfolio concentrated on first and second lien secured debt, aimed at delivering consistent income and capital appreciation to investors. Leveraging a disciplined investment strategy and experienced management, the company is poised to capitalize on the increasing demand for accessible capital among small to medium-sized enterprises, affirming its position as a reliable partner within the dynamic financial marketplace.
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