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STOCK COMPARISON

Morgan Stanley vs SAB Finance as: Fair Value & Quality

Both stocks run through our valuation models. Here is how Morgan Stanley (MS) and SAB Finance as (SABFG) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Morgan Stanley as the more attractively valued of the two: Morgan Stanley trades at $196 versus a fair value of $314 (+60%), while SAB Finance as trades at CZK 1,050 versus CZK 545 (-48%).
Morgan Stanley
MS · USD · Financials
+60%
upside to fair value
undervalued
Price$196
Fair Value$314
Quality66/100
SAB Finance as
SABFG.PR · CZK · Financials
-48%
upside to fair value
overvalued
PriceCZK 1,050
Fair ValueCZK 545
Quality50/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Morgan StanleySAB Finance as
Valuation
18.0×P/E (TTM)11.2×
4.79×P/S (TTM)2.31×
3.14×P/B0.08×
22.1×EV/EBITDAn/a
2.64×PEGn/a
+60.0%Fair value upside−48.1%
2.0%Dividend yieldn/a
$4.15Dividend per sharen/a
Profitability
41%Operating margin133%
0.66×EBIT margin trend (5Y)n/a
16%Return on equity15%
1%Return on assets-3%
Growth
16%Revenue growth (YoY)-32%
22.5%Avg. growth/yr (3Y)-6.6%
18.3%Avg. growth/yr (5Y)-7.0%
+8.3%Value creation/yr+15.6%
Balance & size
0.4×Interest coverage (EBIT/interest)n/a
3.13×Debt / equity0.32×
$351BMarket cap$149M
mixedGrowth qualityweak

SAB Finance as leads: 5 to 6 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Morgan Stanleyof which business quality 61 · market factors 58 SAB Finance asof which business quality 50 · market factors 64
ProfitabilityMargins and returns on capital today
31
41
Quality GrowthAre margins and returns improving?
56
21
CashflowEarnings quality: real cash, not paper profit
100
75
Fin. StrengthBalance sheet, leverage, solvency risk
26
51
InvestmentDisciplined investing over empire-building
82
53
Low VolatilityCalm price path (market factor)
58
100
MomentumPrice trend over the last 3–12 months (market factor)
57
47
52W MomentumDistance to the 52-week high (market factor)
61
53
Net IssuanceShare count: buybacks or dilution?
87
51

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyMorgan StanleyPrice $196SAB Finance asPrice CZK 1,050
DCF Models+109%above the price$410n/a
Earnings-Based+9%close to the price$215n/a
Dividend Discount-59%below the price$80.18n/a
Multiples-39%below the price$120-48%below the priceCZK 545
Asset-Based-76%below the price$47.62-59%below the priceCZK 430
Growth DCF+234%above the price$656n/a
Economic Profit-51%below the price$96.23n/a
Minimum-76%below the price$47.62-59%below the priceCZK 430
Maximum+234%above the price$656-48%below the priceCZK 545
Median-39%below the price$120-54%below the priceCZK 488
Geometric mean-19%below the price$159-54%below the priceCZK 484

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Morgan Stanley: 7 of 13 models see the stock below the current price.

SAB Finance as: 2 of 2 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Morgan Stanley
Price $196
Fair Value $314
Bear $105Bull $429
SAB Finance as
Price CZK 1,050
Fair Value CZK 545
Bear CZK 409Bull CZK 682

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Morgan Stanley · Financials

Quality score66 · Top 25%
Fair value upside+60% · Top 25%

SAB Finance as · Financials

Quality score50 · below median
Fair value upside-48% · bottom 25%

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees Morgan Stanley as the more attractively valued of the two: Morgan Stanley trades at $196 versus a fair value of $314 (+60%), while SAB Finance as trades at CZK 1,050 versus CZK 545 (-48%).

Morgan Stanley has the higher quality score (66/100).

Open Morgan Stanley live analysis →
Morgan Stanley · SAB Finance as

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.