Compare Stocks › MS vs NVR
Morgan Stanley (MS) vs NVR, Inc. (NVR)
MS
Morgan Stanley
$190.17
VS
NVR
NVR, Inc.
$6154.14
Rewards
MS
- ★Gross margin of 87.4% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Morgan Stanley scores 80/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
- ★Each dollar of retained earnings has created $3.11 of earning power — management is an exceptional capital allocator.
NVR
- ★NVR, Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
- ★Share count has been reduced by 13% over the past 4 years through buybacks, increasing each share's claim on earnings.
Risks
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.
- ⚠Insiders have sold $17.7M worth of stock in the past 3 months — significant insider liquidation.
NVR
- ⚠Gross margin of 22.5% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠PEG ratio of 4.97 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
- ⚠Insiders have sold $9.0M worth of stock in the past 3 months — significant insider liquidation.
Key Valuation Metrics
Learn more →MS
NVR
Valuation
N/A
Free Cash Flow
N/A
N/A
FCF Yield
N/A
17.21
Trailing P/E
15.04
15.02
Forward P/E
14.66
Quality & Moat
3.75%
ROIC
23.31%
14.42%
ROE
38.35%
87.39%
Gross Margin
22.49%
0.54
PEG Ratio
4.97
Balance Sheet Safety
4.56
Debt / Equity
0.30
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
-0.36
2.10%
Dividend Yield
N/A
MS: 2Ties: 2NVR: 4
MSNVR
Historical Fundamentals
Learn more →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.
NVR
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 →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
NVR
$1.21
created per $1 retained over 3 years
Value Creator
Σ Retained
$4.61B
Δ Market Cap
+$5.57B
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 →MS
31.0% Margin of Safety
Price is 31.0% below estimated fair value
Current Price: $190.17
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $275.48
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
NVR
63.2% Margin of Safety
Price is 63.2% below estimated fair value
Current Price: $6154.14
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $16734.43
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →MS
Requires positive FCF to compute implied growth rate.
NVR
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →MS
80/100
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.
NVR
68/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with roic consistency as the key competitive advantage. Improving revenue predictability 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.
Forensic Accounting
Learn more →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.
NVR
-2.11
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 →MS
Insiders 24.3%Institutions 63.0%Retail & Other 12.8%
No. of Institutional Holders3,167
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.
NVR
Insiders 5.4%Institutions 89.8%Retail & Other 4.8%
No. of Institutional Holders1,012
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 →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
NVR
1
Buys (3M)
2
Buys (12M)
Total value (12M): $172,647
DEVITO MICHAEL J.
Director
$73,694
@ $6699.45 · 2026-04-24
DEVITO MICHAEL J.
Director
$98,953
@ $7068.07 · 2025-11-03
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 →MS
4
Sells (3M)
17
Sells (12M)
Total value (12M): $74.11M
GROSSMAN ERIC F
Officer
$2.12M
@ $190.75 · 2026-04-20
SIMKOWITZ DANIEL A
President
$2.78M
@ $189.24 · 2026-04-17
CRAWLEY MANDELL L.
Officer
$3.04M
@ $188.22 · 2026-04-16
SAPERSTEIN ANDREW MICHAEL
President
$9.74M
@ $188.59 · 2026-04-16
SIMKOWITZ DANIEL A
President
$6.02M
@ $182.61 · 2026-01-30
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
GROSSMAN ERIC F
Officer
$3.97M
@ $184.00 · 2026-01-20
PICK EDWARD N.
Chief Executive Officer
$16.43M
@ $164.34 · 2025-10-31
SMITH CHARLES AUBREY III
Officer
$2.81M
@ $140.30 · 2025-07-17
PIZZI MICHAEL A
Officer
$2.53M
@ $140.62 · 2025-07-17
GROSSMAN ERIC F
Officer
$1.69M
@ $141.12 · 2025-07-17
SIMKOWITZ DANIEL A
President
$4.09M
@ $141.13 · 2025-07-17
SIMKOWITZ DANIEL A
President
$3.70M
@ $127.37 · 2025-05-12
SAPERSTEIN ANDREW MICHAEL
President
$4.80M
@ $120.00 · 2025-05-02
HERZ ROBERT H
Director
$95,459
@ $119.32 · 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
PIZZI MICHAEL A
Officer
$2.52M
@ $136.92 · 2025-01-21
SAPERSTEIN ANDREW MICHAEL
President
$4.20M
@ $136.43 · 2025-01-21
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
CRAWLEY MANDELL L.
Officer
$368,375
@ $105.25 · 2024-07-26
AKRAM RAJA
Officer
$797,764
@ $106.37 · 2024-07-18
HERZ ROBERT H
Director
$106,621
@ $106.62 · 2024-07-17
SIMKOWITZ DANIEL A
President
$4.26M
@ $106.54 · 2024-07-17
CRAWLEY MANDELL L.
Officer
$692,663
@ $99.61 · 2024-05-14
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
NVR
4
Sells (3M)
8
Sells (12M)
Total value (12M): $16.88M
ROSS SUSAN WILLIAMSON
Director
$1.58M
@ $7922.06 · 2026-02-13
KELPY MATTHEW B. CPA
Officer
$4.05M
@ $8100.00 · 2026-02-10
ROSS SUSAN WILLIAMSON
Director
$1.62M
@ $8091.62 · 2026-02-05
ROSS SUSAN WILLIAMSON
Director
$1.76M
@ $8000.00 · 2026-02-04
JUNG ALEXANDRA A
Director
$1.62M
@ $8082.44 · 2025-08-26
JUNG ALEXANDRA A
Director
$411,587
@ $8231.74 · 2025-08-22
KELPY MATTHEW B. CPA
Officer
$4.86M
@ $8100.00 · 2025-08-13
ROSS SUSAN WILLIAMSON
Director
$981,285
@ $7850.28 · 2025-08-04
ECKERT THOMAS D
Director
$3.76M
@ $7529.89 · 2025-02-11
ECKERT THOMAS D
Director
$1.07M
@ $7515.60 · 2025-02-10
PREISER DAVID A
Director
$2.33M
@ $9302.64 · 2024-11-08
ECKERT THOMAS D
Director
$9.22M
@ $9216.32 · 2024-11-07
KELPY MATTHEW B. CPA
Officer
$3.78M
@ $9450.00 · 2024-11-05
KELPY MATTHEW B. CPA
Officer
$1.19M
@ $9507.30 · 2024-10-24
KELPY MATTHEW B. CPA
Officer
$1.70M
@ $8500.00 · 2024-08-09
MARTINEZ MELQUIADES R
Director
$1.05M
@ $8372.77 · 2024-08-08
FESTA ALFRED E
Director
$1.27M
@ $8585.95 · 2024-07-29
ROSS SUSAN WILLIAMSON
Director
$1.06M
@ $8505.91 · 2024-07-26
KELPY MATTHEW B. CPA
Officer
$5.76M
@ $8538.89 · 2024-07-26
SAVILLE PAUL C
Officer
$2.30M
@ $7670.42 · 2024-05-09
ROSIER WILLIAM GRADY
Director
$4.60M
@ $7665.63 · 2024-05-08
KELPY MATTHEW B. CPA
Officer
$1.54M
@ $7700.00 · 2024-05-07
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 →MS
😏Greed(71/100)
"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.
NVR
😨Fear(32/100)
"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.
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 →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: Greed (71)
NVR
⚪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 (32)