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Loews Corporation (L) vs Pfizer, Inc. (PFE): Which Is the Better Buy in 2026?

As of 2026-08-03, L is undervalued at $116, with a DCF intrinsic value of $606 and a margin of safety of 81%. 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.

L
Loews Corporation
$116.01
VS
PFE
Pfizer, Inc.
$25.01

Rewards

L
  • ★Loews Corporation scores 97/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★Share count has been reduced by 13% over the past 4 years through buybacks, increasing each share's claim on earnings.
  • ★Each dollar of retained earnings has created $2.24 of earning power — management is an exceptional capital allocator.
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

L
  • ⚠Altman Z-Score of 0.69 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.
  • ⚠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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L
PFE
Valuation
$2.08B
Free Cash Flow
$12.38B
8.73%
FCF Yield
N/A
14.74
Trailing P/E
19.09
40.00
Forward P/E
8.85
Quality & Moat
6.07%
ROIC
10.19%
9.22%
ROE
8.31%
36.04%
Gross Margin
74.80%
1.32
PEG Ratio
2.94
Balance Sheet Safety
0.12
Net Debt / Equity
0.57
N/A
Interest Coverage
N/A
0.76
Net Debt / EBITDA
2.03
0.22%
Dividend Yield
6.88%
L: 5Ties: 1PFE: 5
LPFE

Historical Fundamentals

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L

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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L
$1.82
created per $1 retained over 3 years
Value Creator
Σ Retained
$4.35B
Δ Market Cap
+$7.93B
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

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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L
80.9% Margin of Safety
Price is 80.9% below estimated fair value
Current Price: $116.01
Fair Value: $606.16
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
Fair Value: $127985960274.09
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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L

What growth rate is the market pricing in at $116?

+4.2%
Market-Implied Owner Earnings Growth
Standard FCF implies +1.4%

The market implies +4.2% Owner Earnings growth, below historical trends — potential opportunity.

Standard FCF implies a more demanding +1.4%, reflecting heavy growth investment expected to generate future returns.

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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L
97/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by revenue predictability. Margin Stability 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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L
-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.
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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L
Insiders 18.9%Institutions 62.0%Retail & Other 19.1%
No. of Institutional Holders1,087
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 — 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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L
1
Buys (3M)
2
Buys (12M)
Total value (12M): $1.05M
ROBUSTO DINO E
Director
$523,700
@ $104.74 · 2026-05-29
ROBUSTO DINO E
Director
$527,200
@ $105.44 · 2026-05-05
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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L
0
Sells (3M)
12
Sells (12M)
Total value (12M): $2.22M
SCHWARTZ MARK S
Officer and Treasurer
$346,500
@ $110.00 · 2026-02-17
BERMAN ANN E
Director
$211,728
@ $110.16 · 2026-02-10
ALPERT MARC A
General Counsel
$383,983
@ $109.87 · 2026-02-10
SCOTT RICHARD WALDO
Chief Investment Officer
$104,740
@ $104.74 · 2025-12-11
BERMAN ANN E
Director
$156,096
@ $108.10 · 2025-12-01
FRIBOURG PAUL J
Director
$155,923
@ $108.13 · 2025-12-01
HARRIS WALTER L
Director
$155,563
@ $107.88 · 2025-12-01
DIKER CHARLES M
Director
$155,635
@ $107.93 · 2025-12-01
BERMAN ANN E
Director
$137,465
@ $96.67 · 2025-09-02
FRIBOURG PAUL J
Director
$137,493
@ $96.69 · 2025-09-02
HARRIS WALTER L
Director
$137,396
@ $96.69 · 2025-09-02
DIKER CHARLES M
Director
$137,593
@ $96.76 · 2025-09-02
FRIBOURG PAUL J
Director
$113,068
@ $88.82 · 2025-06-03
BERMAN ANN E
Director
$113,068
@ $88.82 · 2025-06-02
HARRIS WALTER L
Director
$113,157
@ $88.82 · 2025-06-02
DIKER CHARLES M
Director
$112,583
@ $88.37 · 2025-06-02
SCOTT RICHARD WALDO
Chief Investment Officer
$792,950
@ $87.92 · 2025-05-08
BERMAN ANN E
Director
$104,019
@ $86.90 · 2025-03-03
WELTERS ANTHONY
Director
$103,983
@ $86.87 · 2025-03-03
FRIBOURG PAUL J
Director
$104,007
@ $86.89 · 2025-03-03
HARRIS WALTER L
Director
$103,983
@ $86.87 · 2025-03-03
DIKER CHARLES M
Director
$103,816
@ $86.73 · 2025-03-03
SCOTT RICHARD WALDO
Chief Investment Officer
$689,405
@ $84.60 · 2025-02-25
ALPERT MARC A
General Counsel
$382,680
@ $85.04 · 2025-02-11
TISCH JONATHAN M.
Retired
$639,494
@ $86.81 · 2025-02-07
TISCH ANDREW H
Divisional Officer
$1.37M
@ $84.67 · 2025-01-03
TISCH JONATHAN M.
Divisional Officer
$1.38M
@ $84.86 · 2025-01-02
WELTERS ANTHONY
Director
$99,484
@ $86.81 · 2024-12-02
BERMAN ANN E
Director
$99,106
@ $86.48 · 2024-12-02
HARRIS WALTER L
Director
$99,278
@ $86.63 · 2024-12-02
DIKER CHARLES M
Director
$99,507
@ $86.83 · 2024-12-02
FRIBOURG PAUL J
Director
$99,484
@ $86.81 · 2024-12-02
FRIBOURG PAUL J
Director
$88,574
@ $81.41 · 2024-09-03
WELTERS ANTHONY
Director
$88,574
@ $81.41 · 2024-09-03
BERMAN ANN E
Director
$88,460
@ $81.38 · 2024-09-03
HARRIS WALTER L
Director
$88,574
@ $81.41 · 2024-09-03
DIKER CHARLES M
Director
$88,531
@ $81.37 · 2024-09-03
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
PFE
1
Sells (3M)
1
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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L
FearGreed
😏Greed(63/100)

"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.
PFE
FearGreed
😐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.

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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L
⚪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 (63)
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 L Full AnalysisView PFE Full Analysis

Frequently Asked Questions: L vs PFE

Is Loews Corporation 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 L's 80.9% margin of safety (intrinsic $606 vs. $116).

Which stock has a wider economic moat, Loews Corporation or Pfizer, Inc.?▼

L scores 97/100 (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 Loews Corporation in financial distress?▼

L's Altman Z-Score of 0.7 places it in the Distress zone, signaling elevated bankruptcy risk. PFE scores 1.4 (Distress 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, Loews Corporation or Pfizer, Inc.?▼

PFE earns 10.2% ROIC versus L'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, Loews Corporation's or Pfizer, Inc.'s?▼

L's dividend earns a safety score of 85/100 (Very Safe), compared to PFE's 24/100 (Unsafe). L has raised its dividend for 0 consecutive years.

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