MS
Morgan Stanley
MS's fundamentals are strong: revenue grew 16% and earnings per share grew 29%. At 15x earnings, it's trading in line with its usual 14x. Analysts expect earnings growth.
VRM
Vroom, Inc.
There isn't enough reported data to score VRM yet.
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.
VRM Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Under pressure | |
| N/A | |
| N/A |
VRM's revenue is currently stable, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like VRM.
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.
VRM PE Valuation
VRM has no meaningful PE right now: it lost money over the past year.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
VRM Forward outlook
There aren't enough analyst estimates for VRM to show an outlook.
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 has the edge over VRM on earnings quality, reporting a profit while its opponent remains loss making.
VRM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$8.00 | +$19.66 |
| Q2 2026 | -$11.14 | +$33.36 |
| Q1 2026 | -$12.78 | +$41.84 |
| Q4 2025 | -$10.24 | +$80.83 |
| Q3 2025 | -$27.66 | +$251.87 |
| Q2 2025 | -$44.50 | +$260.24 |
| Q1 2025 | -$54.62 | +$276.75 |
| Q4 2024 | -$91.07 | +$245.82 |
VRM is still losing money, but far less than before: $8.00 per share over the past year, against $1,463.08 at its worst in early 2020.
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 VRM 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 has the edge over VRM on profitability, with a higher operating margin.
VRM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $38.4M | -6.3% |
| Q2 2026 | $40.3M | -2.7% |
| Q1 2026 | $37.6M | +3.9% |
| Q4 2025 | $38.9M | -8.4% |
| Q3 2025 | $41M | -10% |
| Q2 2025 | $41.4M | -9.8% |
| Q1 2025 | $36.2M | +3.8% |
| Q4 2024 | $42.5M | -82% |
VRM's revenue fell from its 2021 peak and has held roughly level since: $38M last quarter, down 6.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -25% | +40 points |
| Q2 2026 | 1.3% | +23 points |
| Q1 2026 | -50% | -33 points |
| Q4 2025 | -30% | +56 points |
| Q3 2025 | -66% | +17 points |
| Q2 2025 | -21% | +21 points |
| Q1 2025 | -17% | +109 points |
| Q4 2024 | -85% | -40 points |
VRM's operating margin was −25% last quarter, up 40 points from the same quarter a year ago.
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.
VRM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $19.9M | +16% |
| Q2 2026 | $17.3M | +8.5% |
| Q1 2026 | $16.9M | +9.8% |
| Q4 2025 | $19.6M | +$43.1M |
| Q3 2025 | $17.2M | +$50.1M |
| Q2 2025 | $16M | +$82.5M |
| Q1 2025 | $15.4M | -32% |
| Q4 2024 | -$23.5M | +$87.8M |
VRM 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 VRM on shareholder dilution, with a more favorable share count trend.
VRM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +29.4K shares |
| 1 year | +0.8% | +43.9K shares |
| 3 years | +201% | +3.5M shares |
| 5 years | +207% | +3.5M shares |
| Available history | +4750% | +5.1M shares |
VRM has 5M diluted shares, up 0.8% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2020 | — |
| Q3 2020 | — |
| Q1 2020 | $1.8M |
| Q4 2019 | $5.3M |
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's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
VRM Net Leverage
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).
VRM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.0 | Neutral |
| Stochastic | 9.8 | Oversold |
VRM's weekly RSI is 38 (neutral) and its Stochastic is 10 (oversold).
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.
VRM PE vs Financial Services Sector
VRM has no meaningful PE right now: it lost money over the past year.
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 has the edge over VRM on trend strength, trading above more of its moving averages.
VRM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.25 | 15% below |
| 20 week MA | $8.67 | 19% below |
| 50 week MA | $12.8 | 45% below |
| 100 week MA | $18.2 | 62% below |
| 200 week MA | $33.5 | 79% below |
VRM is in a downtrend: it's below all five of its weekly moving averages, and 79% below its 200-week average.
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 VRM on returns for 2026, with the stronger performance.
VRM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $3,442.4 | $3,431.2 | -0.3% |
| 2021 | $3,431.2 | $880.0 | -74% |
| 2022 | $880.0 | $75.2 | -91% |
| 2023 | $75.2 | $48.2 | -36% |
| 2024 | $48.2 | $5.28 | -89% |
| 2025 | $5.28 | $22.5 | +326% |
| 2026 YTD | $22.5 | $6.99 | -69% |
VRM's yearly returns have swung widely, from +326% in 2025 to −91% in 2022. It's down 69% so far in 2026.