Compare Stocks › GRMN vs MS
Garmin Ltd. (GRMN) vs Morgan Stanley (MS)
GRMN
Garmin Ltd.
$235.11
VS
MS
Morgan Stanley
$158.55
Rewards
GRMN
- ★Garmin Ltd. has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
- ★Garmin Ltd. scores 91/100 on the Economic Moat Score (Wide Moat), with reinvestment efficiency as the strongest competitive dimension.
- ★Free cash flow has grown at a 35.8% CAGR over the past 4 years, demonstrating strong earnings power growth.
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
GRMN
- ⚠Despite buyback spending, shares outstanding increased in 3 out of 4 years — stock-based compensation is offsetting repurchases.
- ⚠10 insider sales totaling $11.5M 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 →GRMN
MS
Valuation
$1.36B
Free Cash Flow
N/A
3.01%
FCF Yield
N/A
27.40
Trailing P/E
15.53
23.12
Forward P/E
12.89
Quality & Moat
18.04%
ROIC
3.43%
18.54%
ROE
14.42%
58.74%
Gross Margin
87.06%
1.29
PEG Ratio
0.75
Balance Sheet Safety
0.02
Debt / Equity
4.56
N/A
Interest Coverage
N/A
-1.23
Net Debt / EBITDA
N/A
1.79%
Dividend Yield
2.52%
GRMN: 3Ties: 1MS: 5
GRMNMS
Historical Fundamentals
Learn more →GRMN
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 →GRMN
$8.32
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$2.57B
Δ Market Cap
+$21.39B
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 →GRMN
14.2% Overvalued
Price is 14.2% above estimated fair value
Current Price: $235.11
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $205.90
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 →GRMN
What growth rate is the market pricing in at $235?
+11.1%
Market-Implied Owner Earnings Growth
Standard FCF implies +13.8%
The market implies +11.1% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +13.8%, reflecting heavy growth investment expected to generate future returns.
MS
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →GRMN
91/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. Reinvestment Efficiency is the standout factor.
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 →GRMN
-2.26
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 →GRMN
Insiders 14.9%Institutions 57.6%Retail & Other 27.5%
No. of Institutional Holders1,366
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 Holders3,182
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 →GRMN
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
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 →GRMN
10
Sells (3M)
17
Sells (12M)
Total value (12M): $19.12M
LINK EDWARD J.
Officer
$310,647
@ $243.64 · 2026-03-10
MUNN MATTHEW W.
Officer
$1.32M
@ $250.97 · 2026-02-26
LYMAN SUSAN
Officer
$956,258
@ $251.32 · 2026-02-26
BOESSEN DOUGLAS G
Chief Financial Officer
$877,541
@ $251.66 · 2026-02-26
DESBOIS PATRICK
Chief Operating Officer
$1.68M
@ $251.65 · 2026-02-26
PEMBLE CLIFTON A
Chief Executive Officer
$5.01M
@ $251.58 · 2026-02-26
MINARD LAURIE A
Officer
$206,976
@ $247.28 · 2026-02-23
BIDDLECOMBE SEAN MICHAEL
Officer
$257,854
@ $240.76 · 2026-02-20
BOESSEN DOUGLAS G
Chief Financial Officer
$103,181
@ $215.41 · 2026-02-13
DESBOIS PATRICK
Chief Operating Officer
$773,868
@ $210.40 · 2026-01-07
BOESSEN DOUGLAS G
Chief Financial Officer
$512,562
@ $206.26 · 2025-12-16
PEMBLE CLIFTON A
Chief Executive Officer
$2.15M
@ $206.23 · 2025-12-16
WANG CHENG-WEI
Officer
$2.37M
@ $232.48 · 2025-08-27
LINK EDWARD J.
Officer
$395,140
@ $230.00 · 2025-08-11
MINARD LAURIE A
Officer
$181,010
@ $230.00 · 2025-08-06
BOESSEN DOUGLAS G
Chief Financial Officer
$399,685
@ $215.00 · 2025-07-03
PEMBLE CLIFTON A
Chief Executive Officer
$1.61M
@ $203.25 · 2025-06-16
LYMAN SUSAN
Officer
$609,677
@ $215.51 · 2025-03-10
MUNN MATTHEW W.
Officer
$1.04M
@ $225.31 · 2025-02-28
BOESSEN DOUGLAS G
Chief Financial Officer
$625,969
@ $226.55 · 2025-02-28
DESBOIS PATRICK
Chief Operating Officer
$1.57M
@ $227.15 · 2025-02-26
PEMBLE CLIFTON A
Chief Executive Officer
$1.64M
@ $227.14 · 2025-02-26
MINARD LAURIE A
Officer
$177,952
@ $226.11 · 2025-02-24
BOESSEN DOUGLAS G
Chief Financial Officer
$366,277
@ $207.99 · 2024-12-20
PEMBLE CLIFTON A
Chief Executive Officer
$2.20M
@ $216.58 · 2024-12-16
BOESSEN DOUGLAS G
Chief Financial Officer
$193,655
@ $216.62 · 2024-12-16
BIDDLECOMBE SEAN MICHAEL
Officer
$123,328
@ $210.10 · 2024-11-07
STRAUB PHILIP I
Officer
$499,023
@ $181.46 · 2024-08-30
MINARD LAURIE A
Officer
$15,815
@ $181.78 · 2024-08-28
WANG CHENG-WEI
Officer
$1.78M
@ $177.16 · 2024-08-21
PEMBLE CLIFTON A
Chief Executive Officer
$2.55M
@ $160.21 · 2024-06-18
BOESSEN DOUGLAS G
Chief Financial Officer
$379,839
@ $161.63 · 2024-06-10
BOESSEN DOUGLAS G
Chief Financial Officer
$379,839
@ $161.63 · 2024-06-10
DESBOIS PATRICK
Officer
$674,675
@ $163.52 · 2024-06-04
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 →GRMN
😐Neutral(52/100)
"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 →GRMN
⚪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 (52)
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)