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Interactive Brokers Group, Inc. (IBKR) vs Pfizer Inc. (PFE): Which Is the Better Buy in 2026?

As of 2026-09-17, IBKR is overvalued at $88, with a DCF intrinsic value of $73 and a margin of safety of -21%. PFE is overvalued at $28, with an intrinsic value of $22 and a margin of safety of -23%. Of the two, IBKR has the wider margin of safety.

IBKR
Interactive Brokers Group, Inc.
$88.19
VS
PFE
Pfizer Inc.
$27.64

Rewards

IBKR
  • ★Interactive Brokers Group, Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Gross margin of 93.0% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Interactive Brokers Group, Inc. scores 81/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
PFE
  • ★Gross margin of 74.7% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.

Risks

IBKR
  • ⚠Despite buyback spending, shares outstanding increased in 3 out of 4 years — stock-based compensation is offsetting repurchases.
  • ⚠Trailing P/E of 35.0x is 60% above the historical average of 21.9x — the stock trades at a premium to its own history.
  • ⚠Altman Z-Score of 0.43 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
PFE
  • ⚠ROIC has declined by 15.9 percentage points over the past 4 years, which may signal competitive erosion.
  • ⚠FCF yield of 7.9% suggests reasonable valuation assuming continued moderate growth.
  • ⚠PEG ratio of 12.68 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.

Key Valuation Metrics

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IBKR
PFE
Valuation
N/A
Free Cash Flow
$12.49B
N/A
FCF Yield
7.93%
34.99
Trailing P/E
36.36
27.68
Forward P/E
9.54
Quality & Moat
6.07%
ROIC
9.42%
24.02%
ROE
5.01%
93.04%
Gross Margin
74.72%
1.47
PEG Ratio
12.68
Balance Sheet Safety
Net cash
Net Debt / Equity
0.61
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
2.04
0.40%
Dividend Yield
6.26%
IBKR: 4Ties: 2PFE: 3
IBKRPFE

Historical Fundamentals

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IBKR

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

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. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

$1 Retained Earnings Test

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IBKR
$10.24
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$2.07B
Δ Market Cap
+$21.20B
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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IBKR
21.3% Overvalued
Price is 21.3% above estimated fair value
Current Price: $88.19
Fair Value: $72.71
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
PFE
23.2% Overvalued
Price is 23.2% above estimated fair value
Current Price: $27.64
Fair Value: $22.43
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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IBKR

Requires positive FCF to compute implied growth rate.

PFE

What growth rate is the market pricing in at $28?

+6.2%
Market-Implied Owner Earnings Growth
Standard FCF implies +5.3%

The market implies +6.2% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +5.3%, reflecting heavy growth investment.

Economic Moat Score

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IBKR
81/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by roic consistency. Revenue Predictability 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 5 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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IBKR
-2.34
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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IBKR
Insiders 2.7%Institutions 88.5%Retail & Other 8.8%
No. of Institutional Holders1,504
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 69.1%Retail & Other 30.8%
No. of Institutional Holders3,645
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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IBKR
3
Buys (3M)
8
Buys (12M)
Total value (12M): $44,364
CONKLING LORI A
Director
$2,363
@ $94.52 · 2026-09-01
CONKLING LORI A
Director
$2,176
@ $87.04 · 2026-08-03
CONKLING LORI A
Director
$2,201
@ $88.04 · 2026-07-01
CONKLING LORI A
Director
$2,152
@ $86.08 · 2026-06-01
CONKLING LORI A
Director
$1,991
@ $79.64 · 2026-05-01
CONKLING LORI A
Director
$1,710
@ $68.40 · 2026-04-01
CONKLING LORI A
Director
$5,391
@ $71.88 · 2026-03-02
BRIGHT JILL
Director
$26,380
@ $65.95 · 2025-10-23
BRIGHT JILL
Director
$29,634
@ $219.51 · 2025-01-31
Open market purchases · includes direct & indirect ownership · excludes option exercises
PFE
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
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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IBKR
0
Sells (3M)
4
Sells (12M)
Total value (12M): $5.77M
HARRIS LAWRENCE E
Director
$2.00M
@ $76.93 · 2026-04-28
HARRIS LAWRENCE E
Director
$734,505
@ $69.00 · 2025-10-29
HARRIS LAWRENCE E
Director
$996,998
@ $69.45 · 2025-10-28
HARRIS LAWRENCE E
Director
$2.04M
@ $67.86 · 2025-10-24
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
PFE
0
Sells (3M)
0
Sells (12M)
No open market insider sales found.
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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IBKR
FearGreed
😐Neutral(51/100)

"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.
PFE
FearGreed
😐Neutral(60/100)

"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

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IBKR
⚪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 (51)
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: Neutral (60)
View IBKR Full AnalysisView PFE Full Analysis

Frequently Asked Questions: IBKR vs PFE

Is Interactive Brokers Group, Inc. or Pfizer Inc. more undervalued in 2026?▼

Based on our discounted cash flow model, IBKR trades at a -21.3% margin of safety (intrinsic value $73 vs. price $88), compared to PFE's -23.2% margin of safety (intrinsic $22 vs. $28).

Which stock has a wider economic moat, Interactive Brokers Group, Inc. or Pfizer Inc.?▼

IBKR scores 81/100 (Wide moat), while PFE scores 35/100 (None moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Interactive Brokers Group, Inc. in financial distress?▼

IBKR's Altman Z-Score of 0.4 places it in the Distress zone, signaling elevated bankruptcy risk. PFE scores 2.1 (Grey zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

Which stock has higher return on invested capital, Interactive Brokers Group, Inc. or Pfizer Inc.?▼

PFE earns 9.4% ROIC versus IBKR's 6.1%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.

Which dividend is safer, Interactive Brokers Group, Inc.'s or Pfizer Inc.'s?▼

IBKR's dividend earns a safety score of 94/100 (Very Safe), compared to PFE's 24/100 (Unsafe). IBKR has raised its dividend for 3 consecutive years.

IBKR vs PFE: Which Is the Better Buy in 2026? | SafetyMargin.io