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.
WTFC
Wintrust Financial Corporation
There isn't enough reported data to score WTFC 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.
WTFC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
WTFC'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 WTFC.
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.
WTFC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.1x | $119 | -23% |
| Forward | 11x | $154 | — |
| Fair | 12x | $152 | -1.7% |
| Current | 12x | $154 | — |
| Expensive | 13x | $169 | +9.4% |
Historical ranges are pointers, not guarantees.
WTFC 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 |
Analysts expect earnings and revenue growth for MS, with profitability improving.
WTFC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for WTFC, with profitability improving.
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 WTFC on earnings, with stronger typical year-over-year growth.
WTFC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.90 | +6.6% |
| Q3 2026 | $13.04 | +20% |
| Q2 2026 | $12.45 | +18% |
| Q1 2026 | $11.93 | +18% |
| Q4 2025 | $11.40 | +11% |
| Q3 2025 | $10.88 | +14% |
| Q2 2025 | $10.57 | +10% |
| Q1 2025 | $10.11 | +4.6% |
| Q4 2024 | $10.31 | +7.6% |
WTFC's earnings per share have climbed steadily: $13.04 over the past year, up 20% from the year before, and higher year over year for eight quarters in a row.
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 WTFC on sales, with stronger typical year-over-year growth.
| 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.
WTFC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $757.9M | +8.6% |
| Q2 2026 | $738.6M | +10% |
| Q1 2026 | $713.2M | +11% |
| Q4 2025 | $714.3M | +12% |
| Q3 2025 | $697.8M | +13% |
| Q2 2025 | $670.8M | +13% |
| Q1 2025 | $643.1M | +6.3% |
| Q4 2024 | $638.6M | +12% |
WTFC's revenue has grown year over year for 20 quarters in a row: $758M last quarter, up 8.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 43% | +0.6 points |
| Q2 2026 | 43% | +3.2 points |
| Q1 2026 | 42% | +2.9 points |
| Q4 2025 | 42% | +2.7 points |
| Q3 2025 | 42% | +4.6 points |
| Q2 2025 | 40% | +4.1 points |
| Q1 2025 | 39% | -2 points |
| Q4 2024 | 40% | +11 points |
WTFC 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 |
WTFC has the stronger cash trend. Its trailing FCF is up 121% versus its history, compared with MS at down 492%.
WTFC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $357.8M | +71% |
| Q2 2026 | $255.1M | -22% |
| Q1 2026 | $927.2M | +674% |
| Q3 2025 | $209.8M | +$288.1M |
| Q2 2025 | $329.2M | +81% |
| Q1 2025 | $119.8M | +98% |
| Q4 2024 | $471.2M | +104% |
| Q3 2024 | -$78.3M | -215% |
WTFC's free cash flow was $1.7B over the past year, up 108% from the year before. Free cash flow isn't a meaningful measure for financial services companies like WTFC.
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 WTFC on shareholder dilution, with a more favorable share count trend.
WTFC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +92K shares |
| 1 year | +0.6% | +398K shares |
| 3 years | +10% | +6.2M shares |
| 5 years | +18% | +10.6M shares |
| Available history | +19% | +10.8M shares |
WTFC has 68M diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | $9.5M |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | $54.9M |
| Q3 2020 | — |
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.
WTFC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.3x | Very low |
| Q2 2026 | 0.3x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.6x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.6x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.7x | Very low |
WTFC has the edge over MS on leverage, with a lower net debt burden relative to earnings.
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).
WTFC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 54.8 | Neutral |
WTFC's weekly RSI is 55 (neutral) and its Stochastic is 55 (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.
WTFC PE vs Financial Services Sector
| Metric | WTFC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.1% below |
| PE % | 55 | 63 | 8 pts below |
WTFC 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.
WTFC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $148.4 | 4% above |
| 20 week MA | $153.7 | 0.5% above |
| 50 week MA | $149.4 | 3.3% above |
| 100 week MA | $136.9 | 13% above |
| 200 week MA | $114.4 | 35% above |
WTFC 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.
WTFC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $70.8 | $61.9 | -13% |
| 2021 | $61.9 | $89.4 | +44% |
| 2022 | $89.4 | $83.3 | -6.9% |
| 2023 | $83.3 | $92.8 | +11% |
| 2024 | $92.8 | $125.2 | +35% |
| 2025 | $125.2 | $143.3 | +14% |
| 2026 YTD | $143.3 | $154.4 | +7.8% |
WTFC has the edge over MS on returns for 2026, with the stronger performance.