Compare Stocks › ALL vs MS
The Allstate Corporation (ALL) vs Morgan Stanley (MS)
ALL
The Allstate Corporation
$204.07
VS
MS
Morgan Stanley
$158.55
Rewards
ALL
- ★Free cash flow has grown at a 28.1% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $1.61 of market value — management is creating shareholder value.
- ★FCF yield of 16.9% is historically attractive — the business generates significant cash relative to its price.
MS
- ★Gross margin of 87.1% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Each dollar of retained earnings has created $6.65 of market value — management is an exceptional capital allocator.
- ★PEG ratio of 0.75 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
Risks
ALL
- ⚠Altman Z-Score of 1.65 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠8 insider sales totaling $32.1M with no purchases in the past 3 months — insiders are reducing their exposure.
MS
- ⚠High leverage (4.56x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
- ⚠Altman Z-Score of 0.29 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠7 insider sales totaling $25.2M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →ALL
MS
Valuation
$8.92B
Free Cash Flow
N/A
16.85%
FCF Yield
N/A
5.36
Trailing P/E
15.53
8.11
Forward P/E
12.89
Quality & Moat
40.55%
ROIC
3.43%
33.23%
ROE
14.42%
31.30%
Gross Margin
87.06%
0.05
PEG Ratio
0.75
Balance Sheet Safety
0.25
Debt / Equity
4.56
N/A
Interest Coverage
N/A
0.17
Net Debt / EBITDA
N/A
2.12%
Dividend Yield
2.52%
ALL: 6Ties: 1MS: 2
ALLMS
Historical Fundamentals
Learn more →ALL
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
MS
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →ALL
$1.61
created per $1 retained over 3 years
Value Creator
Σ Retained
$11.50B
Δ Market Cap
+$18.48B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
MS
$6.65
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$20.84B
Δ Market Cap
+$138.59B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →ALL
65.9% Margin of Safety
Price is 65.9% below estimated fair value
Current Price: $204.07
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $598.37
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
MS
45.5% Margin of Safety
Price is 45.5% below estimated fair value
Current Price: $158.55
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $290.92
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →ALL
What growth rate is the market pricing in at $204?
-11.0%
Market-Implied Owner Earnings Growth
Standard FCF implies -8.9%
The market implies -11.0% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding -8.9%, reflecting heavy growth investment expected to generate future returns.
MS
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →ALL
39/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
MS
32/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →ALL
-2.40
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
MS
-2.09
Possible Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →ALL
Insiders 0.6%Institutions 82.7%Retail & Other 16.7%
No. of Institutional Holders2,125
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
MS
Insiders 24.0%Institutions 62.7%Retail & Other 13.3%
No. of Institutional Holders3,181
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →ALL
0
Buys (3M)
0
Buys (12M)
DEBIASE CHRISTINE MARIE
General Counsel
$1,339
@ $191.29 · 2024-04-01
Open market purchases · includes direct & indirect ownership · excludes option exercises
MS
0
Buys (3M)
1
Buys (12M)
Total value (12M): $5,630
PETERSON DOUGLAS L
Director
$5,630
@ $156.39 · 2025-10-17
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →ALL
8
Sells (3M)
21
Sells (12M)
Total value (12M): $60.79M
WILSON THOMAS JOSEPH II
Chief Executive Officer
$3.51M
@ $208.90 · 2026-03-16
WILSON THOMAS JOSEPH II
Chief Executive Officer
$3.57M
@ $212.27 · 2026-03-02
MERTEN JESSE E
Divisional Officer
$7.09M
@ $208.57 · 2026-02-25
WILSON THOMAS JOSEPH II
Chief Executive Officer
$3.54M
@ $210.48 · 2026-02-17
WILSON THOMAS JOSEPH II
Chief Executive Officer
$3.37M
@ $200.71 · 2026-02-02
WILSON THOMAS JOSEPH II
Chief Executive Officer
$3.49M
@ $207.83 · 2026-01-12
GUPTA SUREN K
Divisional Officer
$4.11M
@ $210.00 · 2026-01-07
WILSON THOMAS JOSEPH II
Chief Executive Officer
$3.44M
@ $204.77 · 2026-01-02
WILSON THOMAS JOSEPH II
Chief Executive Officer
$3.53M
@ $210.04 · 2025-12-15
WILSON THOMAS JOSEPH II
Chief Executive Officer
$3.57M
@ $212.68 · 2025-12-01
GUPTA SUREN K
Divisional Officer
$975,751
@ $215.11 · 2025-11-28
GUPTA SUREN K
Divisional Officer
$129,010
@ $215.02 · 2025-11-24
GUPTA SUREN K
Divisional Officer
$4.71M
@ $215.21 · 2025-11-21
GUPTA SUREN K
Divisional Officer
$86,086
@ $215.22 · 2025-11-17
WILSON THOMAS JOSEPH II
Chief Executive Officer
$3.58M
@ $213.20 · 2025-11-17
GUPTA SUREN K
Divisional Officer
$301,031
@ $215.02 · 2025-11-14
WILSON THOMAS JOSEPH II
Chief Executive Officer
$3.18M
@ $189.40 · 2025-11-03
WILSON THOMAS JOSEPH II
Chief Executive Officer
$3.26M
@ $194.02 · 2025-10-20
WILSON THOMAS JOSEPH II
Chief Executive Officer
$3.53M
@ $210.19 · 2025-10-06
PRINDIVILLE MARK Q
Officer of Subsidiary Company
$1.52M
@ $206.43 · 2025-08-22
SPRIESER JUDITH A.
Director
$272,146
@ $209.34 · 2025-06-02
MERTEN JESSE E
Chief Financial Officer
$7.48M
@ $186.53 · 2025-02-10
DUGENSKE JOHN E
Divisional Officer
$6.96M
@ $191.38 · 2024-09-20
TOOHEY ROBERT
Officer
$3.01M
@ $180.17 · 2024-08-19
BRADY ELIZABETH
Officer of Subsidiary Company
$8.86M
@ $179.09 · 2024-08-16
GUPTA SUREN K
Divisional Officer
$8.11M
@ $177.28 · 2024-07-18
SPRIESER JUDITH A.
Director
$187,573
@ $166.88 · 2024-06-03
DUGENSKE JOHN E
Divisional Officer
$5.28M
@ $170.20 · 2024-03-26
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
MS
7
Sells (3M)
16
Sells (12M)
Total value (12M): $62.45M
SIMKOWITZ DANIEL A
President
$6.02M
@ $182.61 · 2026-01-30
GROSSMAN ERIC F
Officer
$3.97M
@ $184.00 · 2026-01-20
CRAWLEY MANDELL L.
Officer
$1.44M
@ $183.45 · 2026-01-20
YESHAYA SHARON
Chief Financial Officer
$2.94M
@ $185.77 · 2026-01-20
SMITH CHARLES AUBREY III
Officer
$1.55M
@ $182.08 · 2026-01-20
PIZZI MICHAEL A
Officer
$3.69M
@ $184.55 · 2026-01-20
SAPERSTEIN ANDREW MICHAEL
President
$5.57M
@ $183.62 · 2026-01-20
PICK EDWARD N.
Chief Executive Officer
$16.43M
@ $164.34 · 2025-10-31
GROSSMAN ERIC F
Officer
$1.69M
@ $141.12 · 2025-07-17
SIMKOWITZ DANIEL A
President
$4.09M
@ $141.13 · 2025-07-17
SMITH CHARLES AUBREY III
Officer
$2.81M
@ $140.30 · 2025-07-17
PIZZI MICHAEL A
Officer
$2.53M
@ $140.62 · 2025-07-17
SIMKOWITZ DANIEL A
President
$3.70M
@ $127.37 · 2025-05-12
HERZ ROBERT H
Director
$95,459
@ $119.32 · 2025-05-02
SAPERSTEIN ANDREW MICHAEL
President
$4.80M
@ $120.00 · 2025-05-02
GROSSMAN ERIC F
Officer
$1.12M
@ $111.65 · 2025-04-15
CRAWLEY MANDELL L.
Officer
$1.15M
@ $138.06 · 2025-01-22
GROSSMAN ERIC F
Officer
$1.78M
@ $136.20 · 2025-01-21
SIMKOWITZ DANIEL A
President
$5.00M
@ $136.61 · 2025-01-21
AKRAM RAJA
Chief Financial Officer
$2.38M
@ $136.01 · 2025-01-21
PIZZI MICHAEL A
Officer
$2.52M
@ $136.92 · 2025-01-21
SAPERSTEIN ANDREW MICHAEL
President
$4.20M
@ $136.43 · 2025-01-21
CRAWLEY MANDELL L.
Officer
$368,375
@ $105.25 · 2024-07-26
AKRAM RAJA
Officer
$797,764
@ $106.37 · 2024-07-18
SIMKOWITZ DANIEL A
President
$4.26M
@ $106.54 · 2024-07-17
HERZ ROBERT H
Director
$106,621
@ $106.62 · 2024-07-17
CRAWLEY MANDELL L.
Officer
$692,663
@ $99.61 · 2024-05-14
GORMAN JAMES P
Officer and Director
$9.02M
@ $90.21 · 2024-04-18
SMITH CHARLES AUBREY III
Officer
$1.01M
@ $90.09 · 2024-04-17
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →ALL
😐Neutral(53/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
MS
😐Neutral(48/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →ALL
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (53)
MS
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (48)