HIFS
Hingham Institution for Savings
HIFS has a slight edge over MS overall, supported by stronger valuation and stronger fundamentals.
MS
Morgan Stanley
MS has lower modeled downside risk, despite its lower overall score.
HIFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HIFS's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HIFS.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
HIFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 10x | $301 | — |
| Cheap | 11x | $322 | +7% |
| Fair | 13x | $380 | +26% |
| Expensive | 19x | $570 | +90% |
Historical ranges are pointers, not guarantees.
HIFS has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
HIFS Forward outlook
There aren't enough analyst estimates for HIFS to show an outlook.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
HIFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $30.02 | +95% |
| Q1 2026 | $22.81 | +76% |
| Q4 2025 | $24.76 | +93% |
| Q3 2025 | $20.55 | +95% |
| Q2 2025 | $15.36 | +63% |
| Q1 2025 | $12.96 | +15% |
| Q4 2024 | $12.85 | +6.9% |
| Q3 2024 | $10.56 | -28% |
HIFS earned $30.02 per share over the past year, up 95% from the year before.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS's earnings per share have climbed steadily: $12.60 over the past year, up 29% from the year before, and higher year over year for 10 quarters in a row.
HIFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $72M | +33% |
| Q1 2026 | $42.1M | -18% |
| Q4 2025 | $66.8M | +14% |
| Q3 2025 | $64.5M | +21% |
| Q2 2025 | $54.1M | +4.5% |
| Q1 2025 | $51.4M | -4.3% |
| Q4 2024 | $58.7M | +12% |
| Q3 2024 | $53.2M | +16% |
HIFS's revenue is growing: $72M last quarter, up 33% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 46% | +23 points |
| Q1 2026 | 10% | -9.2 points |
| Q4 2025 | 40% | +15 points |
| Q3 2025 | 36% | +21 points |
| Q2 2025 | 24% | +13 points |
| Q1 2025 | 19% | +4.2 points |
| Q4 2024 | 26% | +10 points |
| Q3 2024 | 15% | +4.9 points |
HIFS has the edge over MS on profitability, with a higher operating margin.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over HIFS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS's operating margin was 32% last quarter, down 1.2 points from the same quarter a year ago.
HIFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $3.6M | -34% |
| Q1 2026 | $13.1M | +15% |
| Q4 2025 | $7.5M | +385% |
| Q3 2025 | $11.1M | +208% |
| Q2 2025 | $5.4M | +89% |
| Q1 2025 | $11.5M | +208% |
| Q4 2024 | $1.6M | -63% |
| Q3 2024 | $3.6M | -33% |
HIFS has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
HIFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +4K shares |
| 1 year | +0.6% | +13K shares |
| 3 years | +1% | +22K shares |
| 5 years | +0.6% | +12.4K shares |
| Available history | +1.4% | +30K shares |
HIFS has 2M diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
HIFS hasn't bought back shares in the past year.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over HIFS on shareholder dilution, with a more favorable share count trend.
HIFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 15.8x | High |
| Q1 2026 | 20.7x | High |
| Q4 2025 | 19.8x | High |
| Q3 2025 | 18.9x | High |
| Q2 2025 | 26.2x | High |
| Q1 2025 | 28.4x | High |
| Q4 2024 | 30.7x | High |
| Q3 2024 | 38.2x | High |
HIFS's net debt is about 16 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like HIFS.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS has the edge over HIFS on leverage, with a lower net debt burden relative to earnings.
HIFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.3 | Neutral |
| Stochastic | 44.0 | Neutral |
HIFS's weekly RSI is 52 (neutral) and its Stochastic is 44 (neutral).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
HIFS PE vs Financial Services Sector
| Metric | HIFS | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 23% below |
| PE % | 10 | 63 | 53 pts below |
HIFS has the edge over MS on valuation relative to its sector.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
HIFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $296.3 | 1.5% above |
| 20 week MA | $298.3 | 0.8% above |
| 50 week MA | $293.2 | 2.5% above |
| 100 week MA | $275.4 | 9.2% above |
| 200 week MA | $242.8 | 24% above |
HIFS has the edge over MS on trend strength, trading above more of its moving averages.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
HIFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $209.9 | $216.2 | +3% |
| 2021 | $216.2 | $391.5 | +81% |
| 2022 | $391.5 | $276.3 | -29% |
| 2023 | $276.3 | $194.4 | -30% |
| 2024 | $194.4 | $253.1 | +30% |
| 2025 | $253.1 | $291.2 | +15% |
| 2026 YTD | $291.2 | $300.6 | +3.2% |
HIFS has finished higher in four of the last six years. It's up 3.2% so far in 2026.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has the edge over HIFS on returns for 2026, with the stronger performance.