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MS vs WFC

MS
Morgan Stanley
NEUTRAL
Price
$164.57
Market Cap
$261.31B
Sector
Financial Services
AI Confidence
85%
WFC
Wells Fargo & Company
NEUTRAL
Price
$86.64
Market Cap
$267.34B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MS
16.12
WFC
13.84
Forward P/E
MS
13.31
WFC
10.92
P/B Ratio
MS
2.56
WFC
1.63
P/S Ratio
MS
3.72
WFC
3.34
EV/EBITDA
MS
--
WFC
--

Profitability

Gross Margin
MS
87.06%
WFC
0.0%
Operating Margin
MS
38.62%
WFC
29.94%
Profit Margin
MS
23.99%
WFC
26.66%
ROE
MS
15.61%
WFC
11.73%
ROA
MS
1.29%
WFC
1.05%

Growth

Revenue Growth
MS
11.0%
WFC
5.0%
Earnings Growth
MS
20.7%
WFC
13.1%

Financial Health

Debt/Equity
MS
4.56
WFC
--
Current Ratio
MS
2.05
WFC
--
Quick Ratio
MS
1.67
WFC
--

Dividends

Dividend Yield
MS
2.53%
WFC
2.11%
Payout Ratio
MS
37.71%
WFC
27.16%

AI Verdict

MS NEUTRAL

MS shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (24.0% margin)
Strong ROE of 15.6%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
High debt burden with D/E of 4.56
WFC NEUTRAL

WFC presents a stark contrast between poor deterministic health and strong valuation/growth metrics. The Piotroski F-Score of 2/9 indicates weak financial health, which heavily penalizes the fundamental baseline. However, the stock is trading almost exactly at its Graham Number ($86.56), suggesting it is fairly valued defensively, while its intrinsic value ($166.83) suggests significant long-term upside. Steady earnings growth of 13.1% YoY and a sustainable payout ratio provide a buffer against the bearish insider sentiment and weak health scores.

Strengths
Trading at defensive fair value (Graham Number $86.56)
Strong earnings growth (13.1% YoY)
Very sustainable dividend payout ratio (27.16%)
Risks
Critically low Piotroski F-Score (2/9) indicating poor financial health
Bearish insider activity with recent sales by General Counsel and Officers
Technical trend score of 0/100 suggesting a bearish momentum shift

Compare Another Pair

MS vs WFC: Head-to-Head Comparison

This page compares Morgan Stanley (MS) and Wells Fargo & Company (WFC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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