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CRH plc (CRH) vs Pfizer Inc. (PFE)

CRH
CRH plc
$101.02
VS
PFE
Pfizer Inc.
$27.41

Rewards

CRH
  • ★CRH plc scores 74/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★Share count has been reduced by 10% over the past 4 years through buybacks, increasing each share's claim on earnings.
  • ★Each dollar of retained earnings has created $8.03 of market value — management is an exceptional capital allocator.
PFE
  • ★Gross margin of 75.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Dividend yield of 6.28% with a consistent or growing payout over the past 4 years.
  • ★FCF yield of 8.6% is historically attractive — the business generates significant cash relative to its price.

Risks

CRH
  • ⚠Buybacks have been poorly timed — 3 out of 4 years involved repurchases at relatively expensive valuations.
PFE
  • ⚠ROIC has declined by 13.9 percentage points over the observed period, which may signal competitive erosion.
  • ⚠Free cash flow has declined at a 29.6% CAGR over the past 4 years — a concerning trend.

Key Valuation Metrics

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CRH
PFE
Valuation
$2.91B
Free Cash Flow
$13.43B
4.31%
FCF Yield
8.61%
18.33
Trailing P/E
20.15
15.28
Forward P/E
9.69
Quality & Moat
9.86%
ROIC
7.67%
14.73%
ROE
8.96%
36.13%
Gross Margin
75.81%
0.38
PEG Ratio
N/A
Balance Sheet Safety
0.77
Debt / Equity
0.78
N/A
Interest Coverage
N/A
2.08
Net Debt / EBITDA
2.10
1.48%
Dividend Yield
6.28%
CRH: 3Ties: 3PFE: 5
CRHPFE

Historical Fundamentals

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CRH

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

PFE

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

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CRH
$8.03
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$6.70B
Δ Market Cap
+$53.81B
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
PFE
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-10.61B
Δ Market Cap
$-146.18B
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

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

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CRH
14.2% Margin of Safety
Price is 14.2% below estimated fair value
Current Price: $101.02
Fair Value: $117.70
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
PFE
140.2% Overvalued
Price is 140.2% above estimated fair value
Current Price: $27.41
Fair Value: $11.41
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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CRH

What growth rate is the market pricing in at $101?

+9.2%
Market-Implied Owner Earnings Growth
Standard FCF implies +12.6%

The market implies +9.2% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +12.6%, reflecting heavy growth investment.

PFE

What growth rate is the market pricing in at $27?

+11.8%
Market-Implied Owner Earnings Growth
Standard FCF implies +4.3%

The market implies +11.8% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +4.3%, reflecting heavy growth investment.

Economic Moat Score

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CRH
74/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by revenue predictability. ROIC Consistency is the area most vulnerable to competitive pressure.

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.
PFE
35/100
No Moat
70+ Wide · 40-69 Narrow · <40 None

No durable moat detected, though reinvestment efficiency 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 5 years of fundamental data.

Forensic Accounting

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CRH
-2.55
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.
PFE
-2.53
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.

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

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CRH
Insiders 0.1%Institutions 90.0%Retail & Other 9.8%
No. of Institutional Holders1,572
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.
PFE
Insiders 0.1%Institutions 67.7%Retail & Other 32.2%
No. of Institutional Holders3,693
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

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CRH
2
Buys (3M)
3
Buys (12M)
Total value (12M): $749,226
TALBOT SIOBHAN
Director
$204,223
@ $102.11 · 2026-03-12
FEARON RICHARD H
Director
$397,062
@ $104.49 · 2026-03-11
O'RIORDAIN PADRAIG
Officer
$147,941
@ $99.16 · 2025-05-13
Open market purchases · includes direct & indirect ownership · excludes option exercises
PFE
0
Buys (3M)
0
Buys (12M)
BLAYLOCK RONALD E
Director
$499,072
@ $25.65 · 2025-02-13
GOTTLIEB SCOTT
Director
$28,240
@ $28.24 · 2024-10-30
Open market purchases · includes direct & indirect ownership · excludes option exercises

Open market purchases · includes direct & indirect ownership · excludes option exercises.

Insider Selling Activity

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CRH
0
Sells (3M)
1
Sells (12M)
Total value (12M): $4.44M
LAKE RANDY
Chief Operating Officer
$4.44M
@ $110.91 · 2025-08-12
MINTERN DENIS JAMES
Chief Executive Officer
$421,693
@ $102.93 · 2025-03-03
CONNOLLY ALAN
Chief Financial Officer
$1.10M
@ $102.93 · 2025-03-03
MANIFOLD ALBERT JUDE
Former
$705,711
@ $100.82 · 2025-02-28
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
PFE
0
Sells (3M)
0
Sells (12M)
DAMICO JENNIFER B.
Officer
$64,825
@ $25.93 · 2025-03-04
DAMICO JENNIFER B.
Officer
$147,714
@ $28.66 · 2024-08-13
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

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CRH
FearGreed
😨Fear(39/100)

"Market is pessimistic — investigate whether fears are temporary or structural"

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.
PFE
FearGreed
😏Greed(64/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

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

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CRH
⚪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: Fear (39)
PFE
⚪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: Greed (64)
View CRH Full AnalysisView PFE Full Analysis
CRH plc (CRH) vs Pfizer Inc. (PFE) Stock Comparison | SafetyMargin.io