Compare Stocks › MS vs WDAY
Morgan Stanley (MS) vs Workday, Inc. (WDAY)
MS
Morgan Stanley
$158.55
VS
WDAY
Workday, Inc.
$133.38
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.
WDAY
- ★Gross margin of 75.7% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Free cash flow has grown at a 29.1% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★FCF yield of 8.6% is historically attractive — the business generates significant cash relative to its price.
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.
WDAY
- ⚠10 insider sales totaling $88.2M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →MS
WDAY
Valuation
N/A
Free Cash Flow
$3.01B
N/A
FCF Yield
8.59%
15.53
Trailing P/E
51.50
12.89
Forward P/E
10.71
Quality & Moat
3.43%
ROIC
7.82%
14.42%
ROE
8.88%
87.06%
Gross Margin
75.70%
0.75
PEG Ratio
0.82
Balance Sheet Safety
4.56
Debt / Equity
0.49
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
-1.18
2.52%
Dividend Yield
N/A
MS: 4Ties: 1WDAY: 3
MSWDAY
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.
WDAY
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
WDAY
$-14.72
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$2.60B
Δ Market Cap
$-38.28B
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
WDAY
19.9% Overvalued
Price is 19.9% above estimated fair value
Current Price: $133.38
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $111.23
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →MS
Requires positive FCF to compute implied growth rate.
WDAY
What growth rate is the market pricing in at $133?
+19.7%
Market-Implied Owner Earnings Growth
Standard FCF implies -0.4%
The market implies +19.7% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding -0.4%, reflecting heavy growth investment.
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.
WDAY
51/100
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 5 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.
WDAY
-2.79
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 Holders3,181
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.
WDAY
Insiders 2.3%Institutions 97.8%
No. of Institutional Holders1,587
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
WDAY
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
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
WDAY
10
Sells (3M)
25
Sells (12M)
Total value (12M): $182.74M
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$15.28M
@ $142.18 · 2026-03-10
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$14.45M
@ $134.40 · 2026-03-02
GARFIELD MARK S.
Officer
$199,711
@ $209.56 · 2026-01-08
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$17.39M
@ $209.75 · 2026-01-08
SAUER RICHARD HARRY
Officer
$237,300
@ $210.00 · 2026-01-06
ROWE ZANE C
Chief Financial Officer
$1.25M
@ $208.75 · 2026-01-06
KAZMAIER GERRIT S
Officer
$784,626
@ $208.73 · 2026-01-06
ENSLIN ROBERT
President
$4.66M
@ $210.17 · 2026-01-05
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$16.73M
@ $205.29 · 2026-01-02
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$17.26M
@ $215.04 · 2025-12-23
KAZMAIER GERRIT S
Officer
$1.43M
@ $218.77 · 2025-12-19
MCNAMARA MICHAEL MAX
Director
$1.27M
@ $235.16 · 2025-10-10
GARFIELD MARK S.
Officer
$457,601
@ $238.96 · 2025-10-09
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$17.74M
@ $236.34 · 2025-10-08
SAUER RICHARD HARRY
Officer
$547,220
@ $235.87 · 2025-10-07
ROWE ZANE C
Chief Financial Officer
$1.40M
@ $232.62 · 2025-10-07
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$17.09M
@ $235.09 · 2025-10-01
SAUER RICHARD HARRY
Officer
$273,076
@ $235.41 · 2025-09-17
SAUER RICHARD HARRY
Officer
$262,891
@ $226.63 · 2025-09-11
GARFIELD MARK S.
Officer
$105,922
@ $234.86 · 2025-07-10
ROWE ZANE C
Chief Financial Officer
$1.44M
@ $239.59 · 2025-07-08
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$17.38M
@ $239.61 · 2025-07-08
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$17.44M
@ $246.84 · 2025-06-02
GARFIELD MARK S.
Officer
$112,595
@ $226.55 · 2025-04-10
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$17.55M
@ $250.26 · 2025-03-24
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$17.25M
@ $259.52 · 2025-03-03
CHAKRABORTY SAYAN
Officer
$1.61M
@ $265.50 · 2025-02-27
GARFIELD MARK S.
Officer
$117,169
@ $248.24 · 2025-01-13
SAUER RICHARD HARRY
Officer
$926,232
@ $251.90 · 2025-01-07
FREDERICK WAYNE A.I.
Director
$462,904
@ $253.09 · 2025-01-02
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$17.15M
@ $252.83 · 2025-01-02
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$17.68M
@ $276.56 · 2024-12-16
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$17.59M
@ $251.20 · 2024-12-02
CHAKRABORTY SAYAN
Officer
$1.38M
@ $250.78 · 2024-11-29
FREDERICK WAYNE A.I.
Director
$442,106
@ $241.85 · 2024-10-11
SAUER RICHARD HARRY
Officer
$738,936
@ $235.78 · 2024-10-08
DUFFIELD DAVID A.
Beneficial Owner of more than 10% of a Class of Security
$17.37M
@ $261.20 · 2024-09-03
ROBINSON DOUGLAS A
President
$812,370
@ $260.29 · 2024-08-26
CHAKRABORTY SAYAN
President
$1.43M
@ $260.26 · 2024-08-26
SAUER RICHARD HARRY
Officer
$710,391
@ $226.67 · 2024-07-08
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.
WDAY
😨Fear(30/100)
"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: Neutral (48)
WDAY
⚪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 (30)