SafetyMargin.ioSafetyMargin.io
BlogWatchlistCompare
Compare Stocks › PCG vs PFE

PG&E Corporation (PCG) vs Pfizer, Inc. (PFE): Which Is the Better Buy in 2026?

As of 2026-08-03, PCG is overvalued at $17, with a DCF intrinsic value of $0 and a margin of safety of -3438%. PFE is undervalued at $25, with an intrinsic value of $127985960274 and a margin of safety of 100%. Of the two, PFE has the wider margin of safety.

PCG
PG&E Corporation
$17.38
VS
PFE
Pfizer, Inc.
$25.01

Rewards

PCG
  • ★Each dollar of retained earnings has created $1.40 of earning power — management is creating shareholder value.
  • ★Trailing P/E of 12.5x is 24% below the historical average of 16.4x — potentially undervalued relative to its own history.
PFE
  • ★Gross margin of 74.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Trailing P/E of 19.1x is 37% below the historical average of 30.4x — potentially undervalued relative to its own history.

Risks

PCG
  • ⚠Share count has increased by 11% over the past 4 years, diluting existing shareholders.
  • ⚠High leverage (1.87x net debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
  • ⚠Net debt/EBITDA of 6.1x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.
PFE
  • ⚠ROIC has declined by 15.9 percentage points over the past 4 years, which may signal competitive erosion.
  • ⚠PEG ratio of 2.94 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
  • ⚠Altman Z-Score of 1.38 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.

Key Valuation Metrics

Learn more →
PCG
PFE
Valuation
$-6.15B
Free Cash Flow
$12.38B
-16.07%
FCF Yield
N/A
12.50
Trailing P/E
19.09
9.63
Forward P/E
8.85
Quality & Moat
5.12%
ROIC
10.19%
9.32%
ROE
8.31%
39.82%
Gross Margin
74.80%
1.12
PEG Ratio
2.94
Balance Sheet Safety
1.87
Net Debt / Equity
0.57
N/A
Interest Coverage
N/A
6.10
Net Debt / EBITDA
2.03
1.15%
Dividend Yield
6.88%
PCG: 3Ties: 1PFE: 7
PCGPFE

Historical Fundamentals

Learn more →
PCG

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

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. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

$1 Retained Earnings Test

Learn more →
PCG
$0.42
created per $1 retained over 3 years
Value Destroyer
Σ Retained
$7.07B
Δ Market Cap
+$3.00B
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
$-26.34
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

Learn more →
PCG
3438.1% Overvalued
Price is 3438.1% above estimated fair value
Current Price: $17.38
Fair Value: $0.49
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
PFE
100.0% Margin of Safety
Price is 100.0% below estimated fair value
Current Price: $25.01
Fair Value: $127985960274.09
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

Learn more →
PCG

Requires positive FCF to compute implied growth rate.

PFE

What growth rate is the market pricing in at $25?

-14.2%
Market-Implied Owner Earnings Growth
Standard FCF implies -15.0%

The market implies -14.2% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding -15.0%, reflecting heavy growth investment.

Economic Moat Score

Learn more →
PCG
33/100
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.
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

Learn more →
PCG
-2.69
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

Learn more →
PCG
Insiders 0.3%Institutions 98.9%Retail & Other 0.8%
No. of Institutional Holders1,271
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 69.5%Retail & Other 30.4%
No. of Institutional Holders3,661
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 →
PCG
0
Buys (3M)
1
Buys (12M)
Total value (12M): $119,700
LARSEN JOHN O
Director
$119,700
@ $15.96 · 2025-11-04
DENAULT LEO PAUL
Director
$100,548
@ $15.96 · 2025-03-11
HERNANDEZ CARLOS M.
Director
$49,989
@ $15.91 · 2025-02-25
BAHRI RAJAT
Director
$50,054
@ $15.79 · 2025-02-25
DENECOUR JESSICA L
Director
$21,269
@ $15.79 · 2025-02-21
HARRIS ARNO LOCKHEART
Director
$100,052
@ $15.66 · 2025-02-20
Open market purchases · includes direct & indirect ownership · excludes option exercises
PFE
0
Buys (3M)
0
Buys (12M)
BLAYLOCK RONALD E
Director
$499,072
@ $25.65 · 2025-02-13
GOTTLIEB SCOTT
Director
$28,240
@ $28.24 · 2024-10-30
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 →
PCG
4
Sells (3M)
9
Sells (12M)
Total value (12M): $6.31M
COOPER KERRY WHORTON
Director
$22,500
@ $18.00 · 2026-07-22
SANTOS MARLENE
Divisional Officer
$2.85M
@ $18.00 · 2026-07-22
PETERMAN CARLA J
President
$530,190
@ $16.68 · 2026-06-15
COOPER KERRY WHORTON
Director
$20,625
@ $16.50 · 2026-06-02
GLICKMAN JASON M.
Officer
$772,766
@ $16.35 · 2026-04-28
COOPER KERRY WHORTON
Director
$46,700
@ $18.68 · 2026-03-17
PETERMAN CARLA J
Officer
$582,002
@ $18.31 · 2026-03-16
SINGH SUMEET
Officer
$1.02M
@ $18.32 · 2026-03-05
GLICKMAN JASON M.
Divisional Officer
$470,094
@ $15.95 · 2025-10-30
PETERMAN CARLA J
Officer
$562,579
@ $17.30 · 2025-04-29
GLICKMAN JASON M.
Divisional Officer
$632,155
@ $15.71 · 2025-03-10
WILLIAMS STEPHANIE N.
Officer
$242,891
@ $16.21 · 2025-03-06
SANTOS MARLENE
Officer of Subsidiary Company
$2.06M
@ $16.37 · 2025-03-04
PETERMAN CARLA J
Officer
$532,369
@ $16.37 · 2025-03-04
WILLIAMS STEPHANIE N.
Officer
$707,170
@ $18.32 · 2024-08-15
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
PFE
1
Sells (3M)
1
Sells (12M)
Total value (12M): $51,400
DAMICO JENNIFER B.
Officer
$51,400
@ $25.70 · 2026-06-09
DAMICO JENNIFER B.
Officer
$64,825
@ $25.93 · 2025-03-04
DAMICO JENNIFER B.
Officer
$147,714
@ $28.66 · 2024-08-13
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 →
PCG
FearGreed
😐Neutral(59/100)

"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.
PFE
FearGreed
😐Neutral(52/100)

"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 →
PCG
⚪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 (59)
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 (52)
View PCG Full AnalysisView PFE Full Analysis

Frequently Asked Questions: PCG vs PFE

Is PG&E Corporation or Pfizer, Inc. more undervalued in 2026?▼

Based on our discounted cash flow model, PFE trades at a 100.0% margin of safety (intrinsic value $127985960274 vs. price $25), compared to PCG's -3438.1% margin of safety (intrinsic $0 vs. $17).

Which stock has a wider economic moat, PG&E Corporation or Pfizer, Inc.?▼

PFE scores 35/100 (None moat), while PCG scores 33/100 (None moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is PG&E Corporation in financial distress?▼

PCG's Altman Z-Score of 0.5 places it in the Distress zone, signaling elevated bankruptcy risk. PFE scores 1.4 (Distress zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

Which stock has higher return on invested capital, PG&E Corporation or Pfizer, Inc.?▼

PFE earns 10.2% ROIC versus PCG's 5.1%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.

Which dividend is safer, PG&E Corporation's or Pfizer, Inc.'s?▼

PCG's dividend earns a safety score of 73/100 (Safe), compared to PFE's 24/100 (Unsafe). PCG has raised its dividend for 1 consecutive years.