WallStSmart

Morgan Stanley (MS)vsStifel Financial Corporation (SF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Morgan Stanley generates 1273% more annual revenue ($77.83B vs $5.67B). MS leads profitability with a 25.9% profit margin vs 15.6%. SF appears more attractively valued with a PEG of 1.01. SF earns a higher WallStSmart Score of 76/100 (B+).

MS

Strong Buy

73

out of 100

Grade: B

Growth: 9.3Profit: 8.0Value: 5.7Quality: 4.5
Piotroski: 5/9Altman Z: 0.38

SF

Strong Buy

76

out of 100

Grade: B+

Growth: 8.0Profit: 7.0Value: 6.3Quality: 5.0
Piotroski: 6/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MS6 strengths · Avg: 9.2/10
Market CapQuality
$343.48B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
41.6%10/10

Strong operational efficiency at 41.6%

EPS GrowthGrowth
62.4%10/10

Earnings expanding 62.4% YoY

Profit MarginProfitability
25.9%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
17.5x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
28.0%8/10

Revenue surging 28.0% year-over-year

SF4 strengths · Avg: 8.5/10
EPS GrowthGrowth
469.2%10/10

Earnings expanding 469.2% YoY

P/E RatioValuation
15.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Operating MarginProfitability
21.6%8/10

Strong operational efficiency at 21.6%

Areas to Watch

MS3 concerns · Avg: 2.7/10
PEG RatioValuation
2.104/10

Expensive relative to growth rate

Free Cash FlowQuality
$-7.85B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.382/10

Distress zone — elevated risk

SF2 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-390.42M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : MS

The strongest argument for MS centers on Market Cap, Operating Margin, EPS Growth. Profitability is solid with margins at 25.9% and operating margin at 41.6%. Revenue growth of 28.0% demonstrates continued momentum.

Bull Case : SF

The strongest argument for SF centers on EPS Growth, P/E Ratio, Price/Book. Profitability is solid with margins at 15.6% and operating margin at 21.6%. Revenue growth of 14.3% demonstrates continued momentum.

Bear Case : MS

The primary concerns for MS are PEG Ratio, Free Cash Flow, Altman Z-Score.

Bear Case : SF

The primary concerns for SF are Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

MS profiles as a growth stock while SF is a mature play — different risk/reward profiles.

MS carries more volatility with a beta of 1.22 — expect wider price swings.

MS is growing revenue faster at 28.0% — sustainability is the question.

SF generates stronger free cash flow (-390M), providing more financial flexibility.

Bottom Line

SF scores higher overall (76/100 vs 73/100), backed by strong 15.6% margins and 14.3% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Morgan Stanley

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Morgan Stanley is an American multinational investment bank and financial services company headquartered at 1585 Broadway in the Morgan Stanley Building, Midtown Manhattan, New York City.

Stifel Financial Corporation

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Stifel Financial Corp. The company is headquartered in St. Louis, Missouri.

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