Wells Fargo & Company (WFC)vsYirendai Ltd (YRD)
WFC
Wells Fargo & Company
$85.51
-0.50%
FINANCIAL SERVICES · Cap: $256.63B
YRD
Yirendai Ltd
$1.44
-0.81%
FINANCIAL SERVICES · Cap: $125.98M
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 1497% more annual revenue ($81.14B vs $5.08B). WFC leads profitability with a 26.7% profit margin vs -13.5%. YRD appears more attractively valued with a PEG of 1.24. WFC earns a higher WallStSmart Score of 74/100 (B).
WFC
Strong Buy74
out of 100
Grade: B
YRD
Hold45
out of 100
Grade: D
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
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Strong operational efficiency at 27.1%
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
ROE of -11.5% — below average capital efficiency
Revenue declined 41.1%
Earnings declined 10.2%
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 1.49 suggests the stock is reasonably priced for its growth.
Bull Case : YRD
The strongest argument for YRD centers on Price/Book, Debt/Equity, Altman Z-Score. PEG of 1.24 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 : YRD
The primary concerns for YRD are Market Cap, Return on Equity, Revenue Growth.
Key Dynamics to Monitor
WFC profiles as a mature stock while YRD is a turnaround play — different risk/reward profiles.
YRD carries more volatility with a beta of 1.12 — 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 45/100), backed by strong 26.7% margins. Both earn "Strong Buy" and "Hold" 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.
Yirendai Ltd
FINANCIAL SERVICES · CREDIT SERVICES · China
Yiren Digital Ltd., is an online consumer finance marketplace connecting borrowers and investors in the People's Republic of China.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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