Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2026 · Mkt capMarket cap $3.59T
Decision snapshot: RF stock price vs MSFT: inconclusive — current versus $61.97 implied using P/E multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at MSFT's multiple
Implied fair value · at RF's multiple
Needs RF P/E.
Live quote
As of 2025-12-31
Metric by metric
Where each company leads, and how wide the gap is.
Growth lag
Pricing power
Operating leverage
Lower is better
Not comparable
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: RF FY 2025 (ended Dec 31, 2025) · MSFT FY 2026 (ended Jun 30, 2026). Fiscal years are not aligned.
Trendline
Six fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Market cap plus debt, less cash.
Capital structure 99% equity / 1% debt · EV / Revenue 10.74x · EV / EBITDA 17.14x
Price framework
Discounted free cash flow, then bridged to a per-share price. Same assumptions applied to both companies.
Regions Financial Corporation · implied price per share
Bear
$73.84
Base
$86.87
Bull
$99.90
MICROSOFT CORPORATION · implied price per share
Bear
$216.80
Base
$255.06
Bull
$293.32
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
0.26x
0.11x
Net debt / EBITDA
Leverage against operating earnings
-3.44x
-0.13x
Cash and equivalents
Liquid reserves on the balance sheet
$27.17B
$76.84B
Total debt
Interest-bearing obligations outstanding
Comparable set
Where the pair sits against the wider comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
JPMorgan Chase & Co.
RF vs JPM
Bank of America Corporation
RF vs BAC
Wells Fargo & Company
RF vs WFC
Citigroup Inc.
RF vs C
The Goldman Sachs Group, Inc.
RF vs GS
Morgan Stanley
RF vs MS
Apple Inc.
RF vs AAPL
Alphabet Inc.
RF vs GOOGL
AMAZON COM INC
RF vs AMZN
ADOBE INC.
RF vs ADBE
NVIDIA CORP
RF vs NVDA
CISCO SYSTEMS, INC.
RF vs CSCO
$4.88B
$49.52B
Live quote
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