MS Morgan Stanley

Financial Services

Price

$215.06

Intrinsic value

$88.80

Buy price

$71.04

Discount

-142.2%

Overvalued

DCF walkthrough

This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.

Discount rate9.00%

Margin of safety20.00%

Operating CF: $-15,587,000,000.00
Total debt: $607,495,979,008.00
Cash & STI: $739,076,014,080.00
Shares out.: 1,569,000,000

Overvalued

Intrinsic value$88.65

Buy price (with MOS)$70.92

Current price$215.06

Discount to intrinsic value-142.6%

7-step quality scorecard

ROE quality

LOW

Average ROE: 12.0%
Current ROE: 15.1%
Minimum ROE: 9.2%

Debt quality

LEVERAGED

Debt / Equity: 5.44x

Moat proxy

WEAK_PROXY

Cash-flow reliability

NOT_APPLICABLE

Operating CF / Net income: -0.80x

Technical chart

Confluence: WEAK (1/3)

Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.

Assumptions & data quality

Data source: yfinance
Growth (g1) source: revenueCAGR
Valuation model: EXCESS_RETURN
Debt as % of DCF PV: —
Public economic interest: 99.1%

These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.