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Compare Stocks › PFE vs WFC

Pfizer Inc. (PFE) vs Wells Fargo & Company (WFC)

PFE
Pfizer Inc.
$27.41
VS
WFC
Wells Fargo & Company
$76.39

Rewards

PFE
  • ★Gross margin of 75.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Dividend yield of 6.28% with a consistent or growing payout over the past 4 years.
  • ★FCF yield of 8.6% is historically attractive — the business generates significant cash relative to its price.
WFC
  • ★Share count has been reduced by 19% over the past 4 years through buybacks, increasing each share's claim on earnings.
  • ★Each dollar of retained earnings has created $3.13 of market value — management is an exceptional capital allocator.
  • ★PEG ratio of 0.93 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.

Risks

PFE
  • ⚠ROIC has declined by 13.9 percentage points over the observed period, which may signal competitive erosion.
  • ⚠Free cash flow has declined at a 29.6% CAGR over the past 4 years — a concerning trend.
WFC
  • ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠Wells Fargo & Company scores only 15/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
  • ⚠Altman Z-Score of 0.28 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.

Key Valuation Metrics

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PFE
WFC
Valuation
$13.43B
Free Cash Flow
N/A
8.61%
FCF Yield
N/A
20.15
Trailing P/E
12.20
9.69
Forward P/E
9.64
Quality & Moat
7.67%
ROIC
4.27%
8.96%
ROE
N/A
75.81%
Gross Margin
0.00%
N/A
PEG Ratio
0.93
Balance Sheet Safety
0.78
Debt / Equity
N/A
N/A
Interest Coverage
N/A
2.10
Net Debt / EBITDA
N/A
6.28%
Dividend Yield
2.36%
PFE: 3Ties: 2WFC: 1
PFEWFC

Historical Fundamentals

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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.

WFC

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

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PFE
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-10.61B
Δ Market Cap
$-146.18B
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
WFC
$3.13
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$41.56B
Δ Market Cap
+$129.93B
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

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

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PFE
140.2% Overvalued
Price is 140.2% above estimated fair value
Current Price: $27.41
Fair Value: $11.41
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
WFC
64.6% Margin of Safety
Price is 64.6% below estimated fair value
Current Price: $76.39
Fair Value: $216.03
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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PFE

What growth rate is the market pricing in at $27?

+11.8%
Market-Implied Owner Earnings Growth
Standard FCF implies +4.3%

The market implies +11.8% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +4.3%, reflecting heavy growth investment.

WFC

Requires positive FCF to compute implied growth rate.

Economic Moat Score

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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.
WFC
15/100
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

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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.
WFC
-2.39
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

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PFE
Insiders 0.1%Institutions 67.7%Retail & Other 32.2%
No. of Institutional Holders3,693
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.
WFC
Insiders 0.1%Institutions 79.3%Retail & Other 20.6%
No. of Institutional Holders3,530
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

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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
WFC
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

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PFE
0
Sells (3M)
0
Sells (12M)
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
WFC
2
Sells (3M)
2
Sells (12M)
Total value (12M): $7.86M
ENGLE BRIDGET E.
Officer
$2.61M
@ $87.10 · 2026-02-26
PATTERSON ELLEN REILLY
General Counsel
$5.24M
@ $87.40 · 2026-02-26
WILLIAMS ATHER III
Officer
$3.82M
@ $63.70 · 2024-10-16
VAN BEURDEN SAUL
Officer
$2.17M
@ $61.99 · 2024-10-14
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

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PFE
FearGreed
😏Greed(64/100)

"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.
WFC
FearGreed
😐Neutral(45/100)

"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

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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: Greed (64)
WFC
⚪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 (45)
View PFE Full AnalysisView WFC Full Analysis
Pfizer Inc. (PFE) vs Wells Fargo & Company (WFC) Stock Comparison | SafetyMargin.io