MS
Morgan Stanley
MS's outlook is improving, though it still trails on the overall score.
PDLB
Ponce Financial Group, Inc.
PDLB has the edge over MS overall, supported by stronger valuation and stronger modeled upside.
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.
PDLB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
PDLB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PDLB.
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.
PDLB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 11x | $22.20 | — |
| Current | 12x | $22.20 | — |
| Cheap | 15x | $27.86 | +26% |
| Fair | 22x | $42.18 | +90% |
| Expensive | 38x | $72.93 | +229% |
Historical ranges are pointers, not guarantees.
PDLB has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
MS has the edge over PDLB on the outlook, with more favorable valuation and profitability expectations.
PDLB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Strong growth | |
| Stable | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for PDLB, with profitability holding steady.
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.
PDLB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.99 | +4.7% |
| Q3 2026 | $1.90 | +116% |
| Q2 2026 | $1.41 | +99% |
| Q1 2026 | $1.31 | +118% |
| Q4 2025 | $1.20 | +161% |
| Q3 2025 | $0.88 | +138% |
| Q2 2025 | $0.71 | +82% |
| Q1 2025 | $0.60 | +140% |
| Q4 2024 | $0.46 | +207% |
PDLB has the edge over MS on earnings, with stronger typical year-over-year growth.
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's revenue has grown year over year for 14 quarters in a row: $20.3B last quarter, up 12% from the same quarter a year ago.
| 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.
PDLB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $34.8M | +30% |
| Q2 2026 | $31.6M | +19% |
| Q1 2026 | $30.3M | +23% |
| Q4 2025 | $31.4M | +38% |
| Q3 2025 | $26.7M | +33% |
| Q2 2025 | $26.5M | +31% |
| Q1 2025 | $24.6M | +20% |
| Q4 2024 | $22.8M | +24% |
PDLB has the edge over MS on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +2.8 points |
| Q2 2026 | 36% | +5.6 points |
| Q1 2026 | 38% | +5.1 points |
| Q4 2025 | 44% | +24 points |
| Q3 2025 | 33% | +18 points |
| Q2 2025 | 30% | +8.4 points |
| Q1 2025 | 32% | +14 points |
| Q4 2024 | 20% | +14 points |
PDLB has the edge over MS on profitability, with a higher operating margin.
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.
PDLB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $13.4M | +1603% |
| Q2 2026 | $8M | +36% |
| Q1 2026 | $13.8M | +7% |
| Q4 2025 | $35M | +56% |
| Q3 2025 | $786K | +$15.7M |
| Q2 2025 | $5.9M | +$8.5M |
| Q1 2025 | $12.9M | +$13.2M |
| Q4 2024 | $22.4M | -30% |
PDLB has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
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 PDLB on shareholder dilution, with a more favorable share count trend.
PDLB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +142K shares |
| 1 year | +2.2% | +515K shares |
| 3 years | +5.8% | +1.3M shares |
PDLB has 24M diluted shares, up 2.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | $5.8M |
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 PDLB on leverage, with a lower net debt burden relative to earnings.
PDLB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 10.5x | High |
| Q2 2026 | 9.6x | High |
| Q1 2026 | 9.7x | High |
| Q4 2025 | 10.9x | High |
| Q3 2025 | 11.0x | High |
| Q2 2025 | 14.4x | High |
| Q1 2025 | 15.5x | High |
| Q4 2024 | 22.3x | High |
PDLB's net debt is about 11 years of its operating earnings (EBITDA), down from 11 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PDLB.
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).
PDLB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 70.4 | Overbought |
| Stochastic | 76.7 | Neutral |
PDLB's weekly RSI is 70 (overbought) and its Stochastic is 77 (neutral).
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.
PDLB PE vs Financial Services Sector
| Metric | PDLB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 10% below |
| PE % | 1 | 63 | 62 pts below |
PDLB has the edge over MS on valuation relative to its sector.
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.
PDLB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.0 | 5.8% above |
| 20 week MA | $20.6 | 7.8% above |
| 50 week MA | $18.6 | 19% above |
| 100 week MA | $16.1 | 38% above |
| 200 week MA | $12.7 | 75% above |
PDLB has the edge over MS on trend strength, trading above more of its moving averages.
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 finished higher in five of the last six years. It's up 4% so far in 2026.
PDLB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.8 | $10.4 | -30% |
| 2021 | $10.4 | $14.7 | +42% |
| 2022 | $14.7 | $9.51 | -35% |
| 2023 | $9.51 | $9.76 | +2.6% |
| 2024 | $9.76 | $12.8 | +31% |
| 2025 | $12.8 | $16.8 | +32% |
| 2026 YTD | $16.8 | $22.2 | +32% |
PDLB has the edge over MS on returns for 2026, with the stronger performance.