Compare Stocks › NTRS vs V
Northern Trust Corporation (NTRS) vs Visa Inc. (V)
NTRS
Northern Trust Corporation
$135.78
VS
V
Visa Inc.
$299.71
Rewards
NTRS
- ★Free cash flow has grown at a 41.8% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Share count has been reduced by 11% over the past 4 years through buybacks, increasing each share's claim on earnings.
- ★Each dollar of retained earnings has created $2.39 of market value — management is an exceptional capital allocator.
V
- ★Visa Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Gross margin of 97.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Visa Inc. scores 99/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
Risks
NTRS
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Northern Trust Corporation scores only 22/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
- ⚠PEG ratio of 2.04 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
V
- ⚠Insiders have sold $3.9M worth of stock in the past 3 months — significant insider liquidation.
Key Valuation Metrics
Learn more →NTRS
V
Valuation
N/A
Free Cash Flow
$22.03B
N/A
FCF Yield
3.81%
15.54
Trailing P/E
28.17
12.19
Forward P/E
20.62
Quality & Moat
10.14%
ROIC
37.25%
N/A
ROE
51.73%
0.00%
Gross Margin
97.78%
2.04
PEG Ratio
1.62
Balance Sheet Safety
N/A
Debt / Equity
0.55
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
0.16
2.32%
Dividend Yield
0.89%
NTRS: 3Ties: 1V: 3
NTRSV
Historical Fundamentals
Learn more →NTRS
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
V
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 →NTRS
$2.39
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$2.93B
Δ Market Cap
+$7.01B
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
V
$5.50
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$44.47B
Δ Market Cap
+$244.54B
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 →NTRS
28.6% Margin of Safety
Price is 28.6% below estimated fair value
Current Price: $135.78
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $190.07
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
V
1.1% Margin of Safety
Price is 1.1% below estimated fair value
Current Price: $299.71
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $303.16
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →NTRS
Requires positive FCF to compute implied growth rate.
V
What growth rate is the market pricing in at $300?
+12.8%
Market-Implied Owner Earnings Growth
Standard FCF implies +11.5%
The market implies +12.8% Owner Earnings growth, roughly in line with history — reasonably priced.
Standard FCF implies +11.5%, reflecting ongoing growth investment.
Economic Moat Score
Learn more →NTRS
22/100
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.
V
99/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.
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 →NTRS
-2.60
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.
V
-2.50
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 →NTRS
Insiders 0.9%Institutions 86.0%Retail & Other 13.1%
No. of Institutional Holders1,238
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.
V
Insiders 0.6%Institutions 90.8%Retail & Other 8.7%
No. of Institutional Holders5,907
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 →NTRS
2
Buys (3M)
6
Buys (12M)
Total value (12M): $763,181
PETRINO RICHARD
Director
$148,910
@ $148.91 · 2026-02-05
MORITZ ROBERT EDWARD JR.
Director
$37,203
@ $151.85 · 2026-02-02
MORITZ ROBERT EDWARD JR.
Director
$500,266
@ $128.57 · 2025-11-04
MORITZ ROBERT EDWARD JR.
Director
$34,198
@ $126.66 · 2025-10-27
MORITZ ROBERT EDWARD JR.
Director
$32,343
@ $126.34 · 2025-08-13
MORITZ ROBERT EDWARD JR.
Director
$10,261
@ $91.62 · 2025-04-24
Open market purchases · includes direct & indirect ownership · excludes option exercises
V
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 →NTRS
3
Sells (3M)
12
Sells (12M)
Total value (12M): $7.74M
FOX DAVID W JR
Chief Financial Officer
$468,362
@ $143.89 · 2026-03-04
FOX DAVID W JR
Chief Financial Officer
$208,872
@ $144.05 · 2026-02-25
BELLOWS CLIVE
Officer
$166,758
@ $145.26 · 2026-02-12
SOUTH THOMAS A
Officer
$695,150
@ $139.03 · 2025-12-11
LANDERS JOHN P.
Officer
$95,252
@ $124.35 · 2025-11-17
LEVY SUSAN COHEN
General Counsel
$3.54M
@ $128.13 · 2025-11-04
PARKER TERESA A
Officer
$997,458
@ $131.21 · 2025-07-31
HALLINAN AENGUS
Officer
$528.00
@ $105.60 · 2025-05-22
CONWAY KELLEY
Officer
$52,640
@ $105.28 · 2025-05-12
FOX DAVID W JR
Chief Financial Officer
$535,772
@ $105.55 · 2025-05-12
PARKER TERESA A
Officer
$650,710
@ $100.62 · 2025-05-09
BELLOWS CLIVE
Officer
$329,835
@ $99.95 · 2025-05-08
SOUTH THOMAS A
Officer
$429,852
@ $113.00 · 2025-02-19
LANDERS JOHN P.
Officer
$100,296
@ $111.44 · 2025-02-04
KARPINSKI JANE B.
Officer
$251,828
@ $111.33 · 2025-02-03
TYLER JASON J
Officer
$252,043
@ $112.67 · 2025-01-30
CHERECWICH PETER B
Chief Operating Officer
$2.94M
@ $112.36 · 2025-01-29
SOUTH THOMAS A
Officer
$529,000
@ $105.80 · 2024-11-07
PARKER TERESA A
Officer
$447,718
@ $100.86 · 2024-10-25
KARPINSKI JANE B.
Officer
$437,964
@ $100.96 · 2024-10-25
LEVY SUSAN COHEN
General Counsel
$2.00M
@ $102.26 · 2024-10-25
FRADKIN STEVEN L
Officer
$2.80M
@ $100.50 · 2024-10-25
GOSSETT MARK C
Officer
$533,400
@ $88.90 · 2024-08-27
PARKER TERESA A
Officer
$494,525
@ $84.06 · 2024-08-09
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
V
2
Sells (3M)
24
Sells (12M)
Total value (12M): $101.23M
CARNEY LLOYD A
Director
$201,253
@ $309.62 · 2026-03-11
MCINERNEY RYAN
Chief Executive Officer
$3.66M
@ $349.18 · 2026-01-02
MCINERNEY RYAN
Chief Executive Officer
$3.57M
@ $340.07 · 2025-12-11
ROTTENBERG JULIE B
General Counsel
$699,315
@ $345.00 · 2025-12-11
TANEJA RAJAT
Officer
$7.84M
@ $330.14 · 2025-12-02
FABARA PAUL D
Officer
$2.50M
@ $331.45 · 2025-12-02
TANEJA RAJAT
Officer
$2.08M
@ $330.00 · 2025-11-21
FABARA PAUL D
Officer
$707,917
@ $325.93 · 2025-11-21
CARNEY LLOYD A
Director
$302,832
@ $336.48 · 2025-11-04
MCINERNEY RYAN
Chief Executive Officer
$3.58M
@ $341.00 · 2025-11-03
MCINERNEY RYAN
Chief Executive Officer
$3.59M
@ $342.30 · 2025-10-01
MCINERNEY RYAN
Chief Executive Officer
$3.65M
@ $348.57 · 2025-09-02
ROTTENBERG JULIE B
General Counsel
$697,329
@ $344.02 · 2025-08-18
MCINERNEY RYAN
Chief Executive Officer
$3.60M
@ $343.13 · 2025-08-14
MCINERNEY RYAN
Chief Executive Officer
$3.05M
@ $353.82 · 2025-07-01
FABARA PAUL D
Officer
$4.36M
@ $375.00 · 2025-06-11
TANEJA RAJAT
President
$18.44M
@ $368.87 · 2025-06-05
FABARA PAUL D
Officer
$17.10M
@ $370.00 · 2025-06-05
MCINERNEY RYAN
Chief Executive Officer
$3.13M
@ $362.77 · 2025-06-02
FABARA PAUL D
Officer
$6.32M
@ $357.45 · 2025-05-12
FABARA PAUL D
Officer
$5.26M
@ $355.04 · 2025-05-08
MCINERNEY RYAN
Chief Executive Officer
$2.98M
@ $345.58 · 2025-05-01
ROTTENBERG JULIE B
General Counsel
$889,868
@ $345.58 · 2025-05-01
MCINERNEY RYAN
Chief Executive Officer
$3.02M
@ $350.44 · 2025-04-01
FABARA PAUL D
Officer
$13.40M
@ $340.41 · 2025-03-19
FABARA PAUL D
Officer
$12.88M
@ $327.20 · 2025-03-14
MCINERNEY RYAN
Chief Executive Officer
$3.13M
@ $363.00 · 2025-03-03
ANDRESKI PETER M
Officer
$815,314
@ $349.62 · 2025-02-07
MAHON TULLIER KELLY
Officer
$11.80M
@ $349.77 · 2025-02-07
MCINERNEY RYAN
Chief Executive Officer
$2.93M
@ $340.00 · 2025-02-03
ROTTENBERG JULIE B
General Counsel
$874,480
@ $340.00 · 2025-02-03
MCINERNEY RYAN
Chief Executive Officer
$2.74M
@ $317.78 · 2025-01-02
TANEJA RAJAT
Officer
$11.15M
@ $315.55 · 2024-12-13
MCINERNEY RYAN
Chief Executive Officer
$2.73M
@ $316.90 · 2024-12-02
FABARA PAUL D
Officer
$668,603
@ $307.97 · 2024-11-22
MCINERNEY RYAN
Chief Executive Officer
$2.49M
@ $288.49 · 2024-11-01
ROTTENBERG JULIE B
General Counsel
$741,996
@ $288.49 · 2024-11-01
MCINERNEY RYAN
Chief Executive Officer
$2.39M
@ $276.97 · 2024-10-01
MCINERNEY RYAN
Chief Executive Officer
$2.38M
@ $276.37 · 2024-09-03
MCINERNEY RYAN
Chief Executive Officer
$2.37M
@ $275.00 · 2024-08-29
ROTTENBERG JULIE B
General Counsel
$707,300
@ $275.00 · 2024-08-29
MAHON TULLIER KELLY
Officer
$10.12M
@ $267.64 · 2024-08-16
FABARA PAUL D
Officer
$7.01M
@ $277.15 · 2024-05-15
CARNEY LLOYD A
Director
$250,472
@ $275.55 · 2024-04-26
MCINERNEY RYAN
Chief Executive Officer
$2.30M
@ $280.36 · 2024-04-01
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 →NTRS
😐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.
V
😨Fear(36/100)
"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 →NTRS
⚪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)
V
⚪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 (36)