Wells Fargo & Company (WFC)vsWorld Acceptance Corporation (WRLD)
WFC
Wells Fargo & Company
$81.94
-0.64%
FINANCIAL SERVICES · Cap: $236.15B
WRLD
World Acceptance Corporation
$167.30
-0.30%
FINANCIAL SERVICES · Cap: $828.07M
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 13774% more annual revenue ($81.14B vs $584.79M). WFC leads profitability with a 26.7% profit margin vs 5.9%. WRLD appears more attractively valued with a PEG of 0.70. WFC earns a higher WallStSmart Score of 74/100 (B).
WFC
Strong Buy74
out of 100
Grade: B
WRLD
Buy60
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Attractively priced relative to earnings
Keeps 27 of every $100 in revenue as profit
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 9.1B in free cash flow
Strong operational efficiency at 33.0%
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Moderate valuation
Smaller company, higher risk/reward
ROE of 3.3% — below average capital efficiency
5.9% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.37 suggests the stock is reasonably priced for its growth.
Bull Case : WRLD
The strongest argument for WRLD centers on Operating Margin, PEG Ratio, Price/Book. PEG of 0.70 suggests the stock is reasonably priced for its growth.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.53 is elevated, increasing financial risk.
Bear Case : WRLD
The primary concerns for WRLD are P/E Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
WFC profiles as a mature stock while WRLD is a value play — different risk/reward profiles.
WRLD carries more volatility with a beta of 1.20 — expect wider price swings.
WRLD is growing revenue faster at 7.3% — 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 60/100), backed by strong 26.7% 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.
World Acceptance Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.
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