Wells Fargo & Company (NYSE:WFC) vs. TOP Financial Group (NASDAQ:TOP) Head-To-Head Contrast

Wells Fargo & Company (NYSE:WFC) and TOP Financial Group (NASDAQ:TOP) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, earnings, risk, profitability, analyst recommendations, institutional ownership and valuation.

Volatility and Risk

Wells Fargo & Company has a beta of 1.25, suggesting that its share price is 25% more volatile than the S&P 500. Comparatively, TOP Financial Group has a beta of -1.34, suggesting that its share price is 234% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Wells Fargo & Company and TOP Financial Group, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Wells Fargo & Company	0	7	10	0	2.59
TOP Financial Group	0	0	0	0	0.00

Wells Fargo & Company presently has a consensus price target of $82.56, suggesting a potential upside of 2.83%. Given Wells Fargo & Company’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Wells Fargo & Company is more favorable than TOP Financial Group.

Profitability

This table compares Wells Fargo & Company and TOP Financial Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Wells Fargo & Company	16.82%	12.29%	1.04%
TOP Financial Group	N/A	N/A	N/A

Valuation & Earnings

This table compares Wells Fargo & Company and TOP Financial Group”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Wells Fargo & Company	$125.40 billion	2.05	$19.72 billion	$5.84	13.75
TOP Financial Group	$3.33 million	20.58	-$5.97 million	N/A	N/A

Wells Fargo & Company has higher revenue and earnings than TOP Financial Group.

Institutional & Insider Ownership

75.9% of Wells Fargo & Company shares are owned by institutional investors. Comparatively, 0.3% of TOP Financial Group shares are owned by institutional investors. 0.1% of Wells Fargo & Company shares are owned by company insiders. Comparatively, 85.6% of TOP Financial Group shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Wells Fargo & Company beats TOP Financial Group on 10 of the 12 factors compared between the two stocks.

About Wells Fargo & Company

Wells Fargo & Co. is a diversified and community-based financial services company, which engages in the provision of banking, insurance, investments, mortgage, and consumer and commercial finance products and services. It operates through the following segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management. The Consumer Banking and Lending segment offers consumer and small business banking, home lending, credit cards, auto, and personal lending. The Commercial Banking segment provides banking and credit products across industry sectors and municipalities, secured lending and lease products, and treasury management. The Corporate and Investment Banking segment is composed of corporate banking, investment banking, treasury management, commercial real estate lending and servicing, and equity and fixed income solutions, as well as sales, trading, and research capabilities. The Wealth and Investment Management segment refers to personalized wealth management, brokerage, financial planning, lending, private banking, trust, and fiduciary products and services. The company was founded by Henry Wells and William G. Fargo on March 18, 1852 and is headquartered in San Francisco, CA.

About TOP Financial Group

TOP Financial Group Limited, through its subsidiaries, operates as an online brokerage company in Hong Kong. It is involved in the trading of local and overseas equities, futures, and options products; and the provision of brokerage and value-added services, including trade order placement and execution, account management, and customer support services. The company provides a range of futures products, such as index futures, forex futures, agricultural product futures, energy futures, and precious metal futures. It also offers stock brokerage, options brokerage, consulting services, currency exchange services, structured note subscriber services, and margin financing services. The company was formerly known as Zhong Yang Financial Group Limited and changed its name to TOP Financial Group Limited in July 2022. TOP Financial Group Limited was founded in 2015 and is based in Hong Kong, Hong Kong. TOP Financial Group Limited is a subsidiary of Zhong Yang Holdings (BVI) Limited.