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Compare Stocks › MOS vs PFE

The Mosaic Company (MOS) vs Pfizer Inc. (PFE)

MOS
The Mosaic Company
$23.15
VS
PFE
Pfizer Inc.
$26.33

Rewards

MOS
  • ★Dividend yield of 3.80% with a consistent or growing payout over the past 4 years.
  • ★Trailing P/E of 13.6x is 26% below the historical average of 18.3x — potentially undervalued relative to its own history.
PFE
  • ★Gross margin of 75.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Dividend yield of 6.53% with a consistent or growing payout over the past 4 years.
  • ★FCF yield of 9.0% is historically attractive — the business generates significant cash relative to its price.

Risks

MOS
  • ⚠ROIC has declined by 18.9 percentage points over the observed period, which may signal competitive erosion.
  • ⚠Gross margin of 15.8% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠The Mosaic Company scores only 15/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
PFE
  • ⚠ROIC has declined by 13.9 percentage points over the observed period, which may signal competitive erosion.
  • ⚠PEG ratio of 13.77 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
  • ⚠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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MOS
PFE
Valuation
$-433.05M
Free Cash Flow
$13.43B
-5.89%
FCF Yield
8.97%
13.62
Trailing P/E
19.36
9.49
Forward P/E
9.36
Quality & Moat
1.52%
ROIC
7.67%
4.42%
ROE
8.96%
15.78%
Gross Margin
75.81%
1.63
PEG Ratio
13.77
Balance Sheet Safety
0.43
Debt / Equity
0.78
N/A
Interest Coverage
N/A
2.22
Net Debt / EBITDA
2.10
3.80%
Dividend Yield
6.53%
MOS: 3Ties: 2PFE: 7
MOSPFE

Historical Fundamentals

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MOS

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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MOS
$-7.39
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$977.8M
Δ Market Cap
$-7.23B
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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MOS
Insufficient Data
Enter initial FCF to calculate intrinsic value
Current Price: $23.15
Fair Value: $0.00
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
PFE
130.7% Overvalued
Price is 130.7% above estimated fair value
Current Price: $26.33
Fair Value: $11.41
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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MOS

Requires positive FCF to compute implied growth rate.

PFE

What growth rate is the market pricing in at $26?

+11.4%
Market-Implied Owner Earnings Growth
Standard FCF implies +4.0%

The market implies +11.4% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +4.0%, reflecting heavy growth investment.

Economic Moat Score

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MOS
15/100
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 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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MOS
-2.70
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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MOS
Insiders 0.3%Institutions 94.9%Retail & Other 4.8%
No. of Institutional Holders956
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 67.9%Retail & Other 32.0%
No. of Institutional Holders3,687
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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MOS
0
Buys (3M)
1
Buys (12M)
Total value (12M): $17,488
KUZENKO JODY LYNNE MARY
Director
$17,488
@ $25.53 · 2025-11-11
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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MOS
0
Sells (3M)
2
Sells (12M)
Total value (12M): $6.35M
PRECOURT WALTER F. III
Officer
$643,140
@ $35.73 · 2025-05-29
BODINE BRUCE M
Chief Executive Officer
$5.70M
@ $31.56 · 2025-05-08
PRECOURT WALTER F. III
Officer
$1.11M
@ $27.96 · 2024-08-13
WESTBROOK KELVIN R
Director
$346,042
@ $27.32 · 2024-08-12
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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MOS
FearGreed
😨Fear(26/100)

"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
😐Neutral(54/100)

"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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MOS
⚪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 (26)
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 (54)
View MOS Full AnalysisView PFE Full Analysis
MOS vs PFE: Which Is the Better Buy? | SafetyMargin.io