Compare Stocks › KR vs PFE

Kroger Company (The) (KR) vs Pfizer, Inc. (PFE): Which Is the Better Buy in 2026?

As of 2026-08-03, KR is overvalued at $58, with a DCF intrinsic value of $0 and a margin of safety of -100%. PFE is undervalued at $25, with an intrinsic value of $127985960274 and a margin of safety of 100%. Of the two, PFE has the wider margin of safety.

Kroger Company (The)

$57.74

PFE

Pfizer, Inc.

$25.01

Rewards

★Free cash flow has grown at a 34.5% CAGR over the past 4 years, demonstrating strong earnings power growth.
★PEG ratio of 0.56 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
★Altman Z-Score of 3.80 indicates very low bankruptcy risk — the company is firmly in the safe zone.

PFE

★Gross margin of 74.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
★Trailing P/E of 19.1x is 37% below the historical average of 30.4x — potentially undervalued relative to its own history.

Risks

⚠ROIC has declined by 5.2 percentage points over the past 4 years, which may signal competitive erosion.
⚠Gross margin of 24.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
⚠Trailing P/E of 33.8x is 51% above the historical average of 22.3x — the stock trades at a premium to its own history.

PFE

⚠ROIC has declined by 15.9 percentage points over the past 4 years, which may signal competitive erosion.
⚠PEG ratio of 2.94 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
⚠Altman Z-Score of 1.38 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.

Key Valuation Metrics

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PFE

Valuation

$2.99B

Free Cash Flow

$12.38B

N/A

FCF Yield

N/A

33.77

Trailing P/E

19.09

10.42

Forward P/E

8.85

Quality & Moat

12.34%

ROIC

10.19%

13.78%

ROE

8.31%

23.98%

Gross Margin

74.80%

0.56

PEG Ratio

2.94

Balance Sheet Safety

3.29

Net Debt / Equity

0.57

N/A

Interest Coverage

N/A

2.64

Net Debt / EBITDA

2.03

2.49%

Dividend Yield

6.88%

KR: 3Ties: 1PFE: 7

KRPFE

Historical Fundamentals

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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

$1 Retained Earnings Test

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$0.00

created per $1 retained over 3 years

Value Destroyer

Σ Retained

$3.28B

Δ Market Cap

+$12.03

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

$-26.34

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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Insufficient Data

Enter initial FCF to calculate intrinsic value

Current Price: $57.74

Strongly undervalued

Strongly overvalued

Fair Value: $0.00

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

PFE

100.0% Margin of Safety

Price is 100.0% below estimated fair value

Current Price: $25.01

Strongly undervalued

Fairly valued

Strongly overvalued

Fair Value: $127985960274.09

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Reverse DCF — Market-Implied Growth

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What growth rate is the market pricing in at $58?

+7.5%

Market-Implied Owner Earnings Growth

Standard FCF implies -6.8%

The market implies +7.5% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding -6.8%, reflecting heavy growth investment.

PFE

What growth rate is the market pricing in at $25?

-14.2%

Market-Implied Owner Earnings Growth

Standard FCF implies -15.0%

The market implies -14.2% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding -15.0%, reflecting heavy growth investment.

Economic Moat Score

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56/100

Narrow Moat

70+ Wide · 40-69 Narrow · <40 None

Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency would strengthen the moat.

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.

Forensic Accounting

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-3.11

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

Ownership Breakdown

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Insiders 8.5%Institutions 81.8%Retail & Other 9.7%

No. of Institutional Holders1,783

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 69.5%Retail & Other 30.4%

No. of Institutional Holders3,661

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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Buys (3M)

Buys (12M)

No open market insider purchases found.

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

PFE

Buys (3M)

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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Sells (3M)

Sells (12M)

Total value (12M): $1.76M

COSSET YAEL

Officer

$1.76M

@ $58.80 · 2026-07-14

MOORE CLYDE R

Director

$272,834

@ $71.61 · 2025-07-16

MOORE CLYDE R

Director

$1.89M

@ $70.50 · 2025-07-11

ADCOCK MARY ELLEN

Officer

$2.44M

@ $71.16 · 2025-06-27

ARREAGA GABRIEL

Officer

$2.75M

@ $72.44 · 2025-06-25

FIKE CARIN L

Officer and Treasurer

$1.22M

@ $73.79 · 2025-06-23

MASSA TIMOTHY A

Officer

$622,710

@ $74.00 · 2025-06-23

COSSET YAEL

Officer

$5.23M

@ $73.49 · 2025-06-23

WHEATLEY CHRISTINE STRICK

Officer

$2.16M

@ $72.07 · 2025-04-23

MASSA TIMOTHY A

Officer

$1.65M

@ $73.00 · 2025-04-22

COSSET YAEL

Officer

$2.19M

@ $73.00 · 2025-04-22

ARREAGA GABRIEL

Officer

$995,866

@ $71.82 · 2025-04-21

NICHOLS BRIAN W

Officer

$72,030

@ $72.03 · 2025-04-21

FOLEY TODD A

Officer

$989,442

@ $70.67 · 2025-04-17

JABBAR VALERIE L

Officer

$2.16M

@ $69.08 · 2025-04-16

WHEATLEY CHRISTINE STRICK

Officer

$2.08M

@ $69.44 · 2025-04-04

KIMBALL KENNETH C.

Officer

$719,081

@ $65.37 · 2025-03-21

ARREAGA GABRIEL

Officer

$1.05M

@ $65.63 · 2025-03-19

NICHOLS BRIAN W

Officer

$94,933

@ $65.88 · 2025-03-17

COSSET YAEL

Chief Technology Officer

$1.17M

@ $66.19 · 2025-03-17

COSSET YAEL

Chief Technology Officer

$691,190

@ $65.76 · 2025-03-14

NICHOLS BRIAN W

Officer

$86,723

@ $66.71 · 2025-03-13

MASSA TIMOTHY A

Officer

$1.97M

@ $66.56 · 2025-03-13

ADCOCK MARY ELLEN

Officer

$6.90M

@ $66.39 · 2025-03-13

COSSET YAEL

Chief Investment Officer

$7.84M

@ $68.08 · 2025-03-10

FOLEY TODD A

Chief Financial Officer

$1.87M

@ $66.62 · 2025-03-07

FOLEY TODD A

Chief Financial Officer

$1.04M

@ $61.44 · 2024-12-19

AITKEN STUART W

Officer

$8.38M

@ $63.18 · 2024-12-12

COSSET YAEL

Chief Technology Officer

$1.17M

@ $58.39 · 2024-12-10

COSSET YAEL

Chief Technology Officer

$1.76M

@ $58.54 · 2024-12-09

MASSA TIMOTHY A

Officer

$1.56M

@ $60.12 · 2024-12-06

NICHOLS BRIAN W

Officer

$386,248

@ $55.80 · 2024-10-07

JABBAR VALERIE L

Officer

$167,730

@ $55.91 · 2024-09-23

FIKE CARIN L

Officer and Treasurer

$167,269

@ $55.57 · 2024-09-17

NICHOLS BRIAN W

Officer

$222,800

@ $55.70 · 2024-09-17

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

PFE

Sells (3M)

Sells (12M)

Total value (12M): $51,400

DAMICO JENNIFER B.

Officer

$51,400

@ $25.70 · 2026-06-09

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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😨Fear(38/100)

"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

😐Neutral(52/100)

"Market is pricing this stock without strong emotion in either direction"

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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⚪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 (38)

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 (52)

View KR Full Analysis View PFE Full Analysis

Frequently Asked Questions: KR vs PFE

Is Kroger Company (The) or Pfizer, Inc. more undervalued in 2026?▼

Based on our discounted cash flow model, PFE trades at a 100.0% margin of safety (intrinsic value $127985960274 vs. price $25), compared to KR's -100.0% margin of safety (intrinsic $0 vs. $58).

Which stock has a wider economic moat, Kroger Company (The) or Pfizer, Inc.?▼

KR scores 56/100 (Narrow 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 Pfizer, Inc. in financial distress?▼

PFE's Altman Z-Score of 1.4 places it in the Distress zone, signaling elevated bankruptcy risk. KR scores 3.8 (Safe 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, Kroger Company (The) or Pfizer, Inc.?▼

KR earns 12.3% ROIC versus PFE's 10.2%. 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, Kroger Company (The)'s or Pfizer, Inc.'s?▼

KR's dividend earns a safety score of 64/100 (Safe), compared to PFE's 24/100 (Unsafe). KR has raised its dividend for 3 consecutive years.