Wells Fargo & Company (WFC)vsW. R. Berkley Corp (WRB)
WFC
Wells Fargo & Company
$87.25
+0.18%
FINANCIAL SERVICES · Cap: $267.29B
WRB
W. R. Berkley Corp
$71.60
-0.73%
FINANCIAL SERVICES · Cap: $26.92B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 457% more annual revenue ($83.03B vs $14.90B). WFC leads profitability with a 27.2% profit margin vs 12.9%. WFC appears more attractively valued with a PEG of 1.63. WFC earns a higher WallStSmart Score of 76/100 (B+).
WFC
Strong Buy76
out of 100
Grade: B+
WRB
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
1.2% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.
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.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
WFC profiles as a mature stock while WRB is a value play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.92 — expect wider price swings.
WFC is growing revenue faster at 9.5% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (76/100 vs 63/100), 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.
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.
W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?