Microsoft Corporation
11.81xPrice / tangible book
Market cap
$3.59T
Tangible equity
$304.13B
Price / tangible book
11.81x
Price / book
8.12x
Return on equity
30.2%
Return on assets
17.6%
Efficiency ratio
—
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 ·
Decision snapshot: MSFT stock price vs SCHW: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at SCHW's multiple
Needs SCHW P/E.
Implied fair value · at MSFT's multiple
Live quote
Price unavailable
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Lower is better
Lower is better
Profitability edge
Asset efficiency edge
Lower is better
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: MSFT FY 2026 (ended Jun 30, 2026) · SCHW FY 2025 (ended Dec 31, 2025). Fiscal years are not aligned.
Trendline
Six fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / tangible book
Market cap
$3.59T
Tangible equity
$304.13B
Price / tangible book
11.81x
Price / book
8.12x
Return on equity
30.2%
Return on assets
17.6%
Efficiency ratio
—
Price / book
Market cap
—
Tangible equity
$30.24B
Price / tangible book
—
Price / book
—
Return on equity
17.9%
Return on assets
1.8%
Efficiency ratio
—
Price framework
Discounted free cash flow, then bridged to a per-share price. Same assumptions applied to both companies.
MICROSOFT CORPORATION · implied price per share
Bear
$216.80
Base
$255.06
Bull
$293.32
SCHWAB CHARLES CORP · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Debt / equity
Total debt against shareholders' equity
0.11x
0.79x
Net debt / EBITDA
Leverage against operating earnings
-0.13x
-2.25x
Cash and equivalents
Liquid reserves on the balance sheet
$76.84B
$92.15B
Total debt
Interest-bearing obligations outstanding
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
Apple Inc.
MSFT vs AAPL
Alphabet Inc.
MSFT vs GOOGL
AMAZON COM INC
MSFT vs AMZN
ADOBE INC.
MSFT vs ADBE
NVIDIA CORP
MSFT vs NVDA
CISCO SYSTEMS, INC.
MSFT vs CSCO
Morgan Stanley
MSFT vs MS
The Goldman Sachs Group, Inc.
MSFT vs GS
JPMorgan Chase & Co.
MSFT vs JPM
Bank of America Corporation
MSFT vs BAC
$49.52B
$39.25B
Live quote
LLM-powered synthesis
An on-demand narrative read of the same deterministic data.
Based on an earlier data snapshot. Review the filing dates below or refresh after signing in.
If you believe MSFT’s premium valuation will continue to be justified by its superior margins, ROIC, and balance sheet strength, then hold or accumulate on weakness rather than chase the current price, because the P/E-derived valuation still implies -16.3% downside.
MSFT’s current price of $490.40 is above the implied price from the P/E comparison ($410.53), which implies 16.3% downside on this framework. The stock also trades inside the historical band but closer to the upper half, so the valuation is not cheap even before considering the uncertainty around using SCHW as a SCHW.
Supporting Metrics