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.
YRD
Yiren Digital Ltd.
There isn't enough reported data to score YRD 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.
YRD Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Under pressure | |
| N/A | |
| N/A |
YRD's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like YRD.
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.
YRD PE Valuation
YRD 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.
YRD Forward outlook
There aren't enough analyst estimates for YRD 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 YRD on earnings quality, reporting a profit while its opponent remains loss making.
YRD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | -$2.56 | -215% |
| Q1 2026 | -$1.18 | -151% |
| Q4 2025 | $0.10 | -96% |
| Q3 2025 | $2.16 | -31% |
| Q2 2025 | $2.22 | -35% |
| Q1 2025 | $2.31 | -36% |
| Q4 2024 | $2.71 | -23% |
| Q3 2024 | $3.11 | -6.9% |
YRD has swung to a loss: it lost $2.56 per share over the past year, after a profit the year before.
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 YRD 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 YRD on profitability, with a higher operating margin.
YRD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $133.6M | -47% |
| Q1 2026 | $137.3M | -41% |
| Q4 2025 | $141.9M | -35% |
| Q3 2025 | $233.4M | +5.1% |
| Q2 2025 | $251.3M | +12% |
| Q1 2025 | $233.3M | +13% |
| Q4 2024 | $217.9M | +14% |
| Q3 2024 | $222M | +13% |
YRD's revenue has slid since its 2019 peak: $134M last quarter, down 47% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -40% | -62 points |
| Q1 2026 | 27% | +7.3 points |
| Q4 2025 | -4.7% | -25 points |
| Q3 2025 | 42% | +19 points |
| Q2 2025 | 23% | -25 points |
| Q1 2025 | 20% | -22 points |
| Q4 2024 | 20% | -34 points |
| Q3 2024 | 23% | -30 points |
YRD's operating margin was −40% last quarter, down 62 points from the same quarter a year ago, near the bottom of its range since 2019.
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 has the edge over YRD on cash flow, with more consistent year-over-year improvement.
YRD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$154.4M | -350% |
| Q1 2026 | -$98.4M | -237% |
| Q4 2025 | -$31M | -$31M |
| Q3 2025 | -$823K | -$823K |
| Q2 2025 | $61.7M | +11% |
| Q1 2025 | $71.8M | -24% |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
YRD's free cash flow was −$285M over the past year, against $134M the year before. Free cash flow isn't a meaningful measure for financial services companies like YRD.
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 YRD on shareholder dilution, with a more favorable share count trend.
YRD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +12.7K shares |
| 1 year | +0.5% | +437K shares |
| 3 years | -2.3% | -2.1M shares |
| 5 years | +3.4% | +2.9M shares |
| Available history | -6.1% | -5.7M shares |
YRD has 87M diluted shares, up 0.5% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $33,466 |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
YRD spent $33,466 buying back its own shares over the past year, after none the year before.
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.
YRD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | -13.9x | Net Cash |
| Q3 2025 | -2.3x | Net Cash |
| Q2 2025 | -3.0x | Net Cash |
| Q1 2025 | -2.9x | Net Cash |
| Q4 2024 | -2.3x | Net Cash |
| Q3 2024 | -1.8x | Net Cash |
| Q2 2024 | -2.3x | Net Cash |
| Q1 2024 | -2.2x | Net Cash |
YRD has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like YRD.
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).
YRD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 19.0 | Oversold |
| Stochastic | 2.9 | Oversold |
YRD's weekly RSI is 19 (oversold) and its Stochastic is 3 (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.
YRD PE vs Financial Services Sector
| Metric | YRD | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
YRD 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 YRD on trend strength, trading above more of its moving averages.
YRD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.68 | 53% below |
| 20 week MA | $0.97 | 67% below |
| 50 week MA | $2.08 | 85% below |
| 100 week MA | $4.01 | 92% below |
| 200 week MA | $3.88 | 92% below |
YRD is in a downtrend: it's below all five of its weekly moving averages, and 92% 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 YRD on returns for 2026, with the stronger performance.
YRD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $5.06 | $3.05 | -40% |
| 2021 | $3.05 | $2.75 | -9.8% |
| 2022 | $2.75 | $1.31 | -52% |
| 2023 | $1.31 | $3.12 | +138% |
| 2024 | $3.12 | $4.87 | +56% |
| 2025 | $4.87 | $4.00 | -18% |
| 2026 YTD | $4.00 | $0.32 | -92% |
YRD's yearly returns have swung widely, from +138% in 2023 to −52% in 2022. It's down 92% so far in 2026.