Wells Fargo & Company (WFC)vsWhite Mountains Insurance Group Ltd (WTM)
WFC
Wells Fargo & Company
$81.94
+1.61%
FINANCIAL SERVICES · Cap: $236.15B
WTM
White Mountains Insurance Group Ltd
$2,065.14
+2.46%
FINANCIAL SERVICES · Cap: $5.01B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 2774% more annual revenue ($81.14B vs $2.82B). WTM leads profitability with a 37.0% profit margin vs 26.7%. WTM appears more attractively valued with a PEG of 0.81. WFC earns a higher WallStSmart Score of 74/100 (B).
WFC
Strong Buy74
out of 100
Grade: B
WTM
Buy63
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Growing faster than its price suggests
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Grey zone — moderate risk
Operating margin of 0.3%
Weak financial health signals
Revenue declined 10.8%
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 : WTM
The strongest argument for WTM centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.0% and operating margin at 0.3%. PEG of 0.81 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 : WTM
The primary concerns for WTM are Altman Z-Score, Operating Margin, Piotroski F-Score.
Key Dynamics to Monitor
WFC profiles as a mature stock while WTM is a declining play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.96 — 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 63/100), 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.
White Mountains Insurance Group Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.
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