Compare Stocks › MS vs STT
Morgan Stanley (MS) vs State Street Corporation (STT)
MS
Morgan Stanley
$158.55
VS
STT
State Street Corporation
$120.95
Rewards
MS
- ★Gross margin of 87.1% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Each dollar of retained earnings has created $6.65 of market value — management is an exceptional capital allocator.
- ★PEG ratio of 0.75 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
STT
- ★Share count has been reduced by 20% over the past 4 years through buybacks, increasing each share's claim on earnings.
- ★Each dollar of retained earnings has created $2.01 of market value — management is an exceptional capital allocator.
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.
- ⚠7 insider sales totaling $25.2M with no purchases in the past 3 months — insiders are reducing their exposure.
STT
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Altman Z-Score of 0.22 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠Insiders have sold $7.8M worth of stock in the past 3 months — significant insider liquidation.
Key Valuation Metrics
Learn more →MS
STT
Valuation
N/A
Free Cash Flow
N/A
N/A
FCF Yield
N/A
15.53
Trailing P/E
12.87
12.89
Forward P/E
9.29
Quality & Moat
3.43%
ROIC
6.66%
14.42%
ROE
N/A
87.06%
Gross Margin
0.00%
0.75
PEG Ratio
N/A
Balance Sheet Safety
4.56
Debt / Equity
N/A
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
N/A
2.52%
Dividend Yield
2.78%
MS: 1Ties: 1STT: 4
MSSTT
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.
STT
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
STT
$2.01
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$4.45B
Δ Market Cap
+$8.93B
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
> $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
45.5% Margin of Safety
Price is 45.5% below estimated fair value
Current Price: $158.55
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $290.92
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
STT
79.8% Margin of Safety
Price is 79.8% below estimated fair value
Current Price: $120.95
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $598.80
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →MS
Requires positive FCF to compute implied growth rate.
STT
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →MS
32/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability 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.
STT
30/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability 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.
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.
STT
-2.42
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
Learn more →MS
Insiders 24.0%Institutions 62.7%Retail & Other 13.3%
No. of Institutional Holders3,182
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.
STT
Insiders 0.5%Institutions 95.8%Retail & Other 3.7%
No. of Institutional Holders1,496
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
STT
1
Buys (3M)
1
Buys (12M)
Total value (12M): $312,475
PORTER BRIAN J
Director
$312,475
@ $124.99 · 2026-03-05
MEANEY WILLIAM L
Director
$10,551
@ $75.36 · 2024-10-14
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
7
Sells (3M)
16
Sells (12M)
Total value (12M): $62.45M
SIMKOWITZ DANIEL A
President
$6.02M
@ $182.61 · 2026-01-30
GROSSMAN ERIC F
Officer
$3.97M
@ $184.00 · 2026-01-20
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
PICK EDWARD N.
Chief Executive Officer
$16.43M
@ $164.34 · 2025-10-31
GROSSMAN ERIC F
Officer
$1.69M
@ $141.12 · 2025-07-17
SIMKOWITZ DANIEL A
President
$4.09M
@ $141.13 · 2025-07-17
SMITH CHARLES AUBREY III
Officer
$2.81M
@ $140.30 · 2025-07-17
PIZZI MICHAEL A
Officer
$2.53M
@ $140.62 · 2025-07-17
SIMKOWITZ DANIEL A
President
$3.70M
@ $127.37 · 2025-05-12
HERZ ROBERT H
Director
$95,459
@ $119.32 · 2025-05-02
SAPERSTEIN ANDREW MICHAEL
President
$4.80M
@ $120.00 · 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
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
PIZZI MICHAEL A
Officer
$2.52M
@ $136.92 · 2025-01-21
SAPERSTEIN ANDREW MICHAEL
President
$4.20M
@ $136.43 · 2025-01-21
CRAWLEY MANDELL L.
Officer
$368,375
@ $105.25 · 2024-07-26
AKRAM RAJA
Officer
$797,764
@ $106.37 · 2024-07-18
SIMKOWITZ DANIEL A
President
$4.26M
@ $106.54 · 2024-07-17
HERZ ROBERT H
Director
$106,621
@ $106.62 · 2024-07-17
CRAWLEY MANDELL L.
Officer
$692,663
@ $99.61 · 2024-05-14
GORMAN JAMES P
Officer and Director
$9.02M
@ $90.21 · 2024-04-18
SMITH CHARLES AUBREY III
Officer
$1.01M
@ $90.09 · 2024-04-17
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
STT
5
Sells (3M)
17
Sells (12M)
Total value (12M): $13.53M
PLANSKY JOHN
Officer
$2.00M
@ $124.32 · 2026-03-11
O'HANLEY RONALD P.
Chief Executive Officer
$3.66M
@ $125.70 · 2026-03-02
RICHARDS MICHAEL L
Officer
$319,775
@ $127.91 · 2026-02-24
HORGAN KATHRYN M
Officer
$721,420
@ $127.10 · 2026-02-23
AMBROSIUS JOERG
Officer
$1.12M
@ $128.00 · 2026-02-23
HORGAN KATHRYN M
Officer
$672,890
@ $118.55 · 2025-11-28
RICHARDS MICHAEL L
Officer
$175,860
@ $117.24 · 2025-10-27
RICHARDS MICHAEL L
Officer
$115,170
@ $115.17 · 2025-08-26
O'HANLEY RONALD P.
Chief Executive Officer
$1.50M
@ $112.39 · 2025-08-21
SCHAEFER ELIZABETH
Officer
$175,046
@ $111.07 · 2025-08-19
RICHARDS MICHAEL L
Officer
$108,197
@ $109.29 · 2025-07-22
HORGAN KATHRYN M
Officer
$1.07M
@ $96.61 · 2025-05-30
RICHARDS MICHAEL L
Officer
$70,530
@ $94.04 · 2025-05-09
SCHAEFER ELIZABETH
Officer
$117,936
@ $90.72 · 2025-05-06
TAHIRI MOSTAPHA
Chief Operating Officer
$360,725
@ $90.43 · 2025-05-02
BISEGNA ANTHONY C.
Officer
$310,590
@ $88.74 · 2025-05-01
PLANSKY JOHN
Officer
$1.03M
@ $88.83 · 2025-05-01
DE SAINT AIGNAN PATRICK
Director
$1.94M
@ $98.24 · 2025-02-28
AMBROSIUS JOERG
Officer
$288,202
@ $100.07 · 2025-02-19
DE SAINT AIGNAN PATRICK
Director
$802,479
@ $99.96 · 2025-02-18
FOGARTY ANN
Officer
$368,536
@ $99.47 · 2025-02-18
FOGARTY ANN
Officer
$146,955
@ $97.97 · 2024-11-25
HORGAN KATHRYN M
Officer
$1.22M
@ $97.97 · 2024-11-25
MILROD DONNA M
Officer
$9,631
@ $95.36 · 2024-11-18
PLANSKY JOHN
Officer
$1.27M
@ $91.32 · 2024-10-18
SCHAEFER ELIZABETH
Officer
$46,250
@ $92.50 · 2024-10-17
HUNG YIE-HSIN
Chief Executive Officer
$325,500
@ $93.00 · 2024-10-16
PLANSKY JOHN
Officer
$1.01M
@ $82.91 · 2024-08-23
BISEGNA ANTHONY C.
Officer
$51,858
@ $80.65 · 2024-08-16
MILROD DONNA M
Officer
$8,226
@ $80.65 · 2024-08-16
HORGAN KATHRYN M
Officer
$542,080
@ $80.00 · 2024-08-15
ABOAF ERIC W
Chief Financial Officer
$553,630
@ $79.09 · 2024-08-14
MILROD DONNA M
Officer
$7,507
@ $74.33 · 2024-05-31
TIMBY SARAH
Officer
$307,705
@ $77.41 · 2024-05-21
BISEGNA ANTHONY C.
Officer
$50,000
@ $77.76 · 2024-05-16
ABOAF ERIC W
Chief Financial Officer
$918,360
@ $76.53 · 2024-05-14
AMBROSIUS JOERG
Officer
$306,960
@ $76.74 · 2024-05-10
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
😐Neutral(48/100)
"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.
STT
😐Neutral(53/100)
"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
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: Neutral (48)
STT
⚪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 (53)