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WFC vs. WRB: A Head-to-Head Stock Comparison

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Here’s a clear look at WFC and WRB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolWFCWRB
Company NameWells Fargo & CompanyW. R. Berkley Corporation
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryBanksInsurance
Market Capitalization258.42 billion USD29.15 billion USD
ExchangeNYSENYSE
Listing DateJune 1, 1972October 23, 1973
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of WFC and WRB by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

WFC vs. WRB: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolWFCWRB
5-Day Price Return-4.70%1.10%
13-Week Price Return-3.50%7.51%
26-Week Price Return12.37%8.01%
52-Week Price Return45.88%33.37%
Month-to-Date Return-3.76%0.31%
Year-to-Date Return14.85%31.34%
10-Day Avg. Volume11.56M1.98M
3-Month Avg. Volume15.92M1.93M
3-Month Volatility24.11%16.17%
Beta1.140.40

Profitability

Return on Equity (TTM)

WFC

11.36%

Banks Industry

Max
25.40%
Q3
15.55%
Median
12.00%
Q1
8.98%
Min
-0.10%

WFC’s Return on Equity of 11.36% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

WRB

20.10%

Insurance Industry

Max
30.96%
Q3
18.76%
Median
14.22%
Q1
10.34%
Min
1.73%

In the upper quartile for the Insurance industry, WRB’s Return on Equity of 20.10% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

WFC vs. WRB: A comparison of their Return on Equity (TTM) against their respective Banks and Insurance industry benchmarks.

Net Profit Margin (TTM)

WFC

22.19%

Banks Industry

Max
54.20%
Q3
35.73%
Median
28.97%
Q1
22.56%
Min
6.98%

Falling into the lower quartile for the Banks industry, WFC’s Net Profit Margin of 22.19% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

WRB

12.32%

Insurance Industry

Max
26.78%
Q3
14.69%
Median
9.87%
Q1
6.59%
Min
-3.51%

WRB’s Net Profit Margin of 12.32% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

WFC vs. WRB: A comparison of their Net Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Operating Profit Margin (TTM)

WFC

25.35%

Banks Industry

Max
63.35%
Q3
44.73%
Median
37.24%
Q1
28.25%
Min
12.28%

WFC’s Operating Profit Margin of 25.35% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

WRB

16.84%

Insurance Industry

Max
34.52%
Q3
20.17%
Median
14.46%
Q1
9.62%
Min
-2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

WFC vs. WRB: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Profitability at a Glance

SymbolWFCWRB
Return on Equity (TTM)11.36%20.10%
Return on Assets (TTM)1.06%4.27%
Net Profit Margin (TTM)22.19%12.32%
Operating Profit Margin (TTM)25.35%16.84%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

WFC

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

WRB

0.92

Insurance Industry

Max
2.97
Q3
1.37
Median
0.54
Q1
0.15
Min
0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

WFC vs. WRB: A comparison of their Current Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

WFC

2.01

Banks Industry

Max
5.78
Q3
2.66
Median
1.05
Q1
0.40
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

WRB

0.31

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.23
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

WFC vs. WRB: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

WFC

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

WRB

18.84

Insurance Industry

Max
43.68
Q3
21.45
Median
9.67
Q1
3.55
Min
-5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

WFC vs. WRB: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Financial Strength at a Glance

SymbolWFCWRB
Current Ratio (MRQ)--0.92
Quick Ratio (MRQ)--0.92
Debt-to-Equity Ratio (MRQ)2.010.31
Interest Coverage Ratio (TTM)--18.84

Growth

Revenue Growth

WFC vs. WRB: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

WFC vs. WRB: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

WFC

2.47%

Banks Industry

Max
11.03%
Q3
6.00%
Median
3.87%
Q1
2.41%
Min
0.00%

WFC’s Dividend Yield of 2.47% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

WRB

2.06%

Insurance Industry

Max
9.80%
Q3
5.18%
Median
3.58%
Q1
2.07%
Min
0.00%

WRB’s Dividend Yield of 2.06% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

WFC vs. WRB: A comparison of their Dividend Yield (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

WFC

31.00%

Banks Industry

Max
134.24%
Q3
79.39%
Median
55.09%
Q1
36.09%
Min
0.00%

WFC’s Dividend Payout Ratio of 31.00% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

WRB

34.10%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
53.26%
Q1
23.68%
Min
0.00%

WRB’s Dividend Payout Ratio of 34.10% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

WFC vs. WRB: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend at a Glance

SymbolWFCWRB
Dividend Yield (TTM)2.47%2.06%
Dividend Payout Ratio (TTM)31.00%34.10%

Valuation

Price-to-Earnings Ratio (TTM)

WFC

12.54

Banks Industry

Max
22.69
Q3
13.75
Median
10.32
Q1
7.73
Min
2.59

WFC’s P/E Ratio of 12.54 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

WRB

16.52

Insurance Industry

Max
30.75
Q3
18.11
Median
12.67
Q1
9.66
Min
2.87

WRB’s P/E Ratio of 16.52 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

WFC vs. WRB: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

WFC

1.91

Banks Industry

Max
4.90
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

WRB

2.04

Insurance Industry

Max
3.41
Q3
1.88
Median
1.22
Q1
0.80
Min
0.23

WRB’s P/S Ratio of 2.04 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

WFC vs. WRB: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

WFC

1.42

Banks Industry

Max
2.09
Q3
1.40
Median
1.11
Q1
0.86
Min
0.29

WFC’s P/B Ratio of 1.42 is in the upper tier for the Banks industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

WRB

3.00

Insurance Industry

Max
4.57
Q3
2.56
Median
1.88
Q1
1.20
Min
0.17

WRB’s P/B Ratio of 3.00 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

WFC vs. WRB: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Valuation at a Glance

SymbolWFCWRB
Price-to-Earnings Ratio (TTM)12.5416.52
Price-to-Sales Ratio (TTM)1.912.04
Price-to-Book Ratio (MRQ)1.423.00
Price-to-Free Cash Flow Ratio (TTM)17.028.57