Morgan Stanley prospectus addendum for 4.25% Series O

Rhea-AI Filing Summary

Morgan Stanley files a prospectus addendum dated April 8, 2026 for depositary shares, each representing 1/1,000th of a share of 4.250% Non‑Cumulative Preferred Stock, Series O. The addendum updates and supersedes the prior prospectus and will be used in connection with offers and market‑making sales.

Key Figures

Registration Statement: No. 333-293641 Coupon: 4.250% Deposit Fraction: 1/1,000th of a share +1 more

4 metrics

Registration Statement No. 333-293641 prospectus addendum cover

Coupon 4.250% rate on Non‑Cumulative Preferred Stock, Series O

Deposit Fraction 1/1,000th of a share each depositary share represents this fraction of a preferred share

Prospectus Date April 8, 2026 date of the accompanying prospectus and addendum

Key Terms

Depositary shares, Non‑Cumulative Preferred Stock, Prospectus supplement

3 terms

Depositary shares financial

"DEPOSITARY SHARES EACH REPRESENTING 1/1,000TH OF A SHARE"

Depositary shares are tradable certificates that represent a fractional piece of a larger security held by a third-party bank, like owning a slice of a single big pie instead of the whole pie. They let companies issue and investors buy smaller, more affordable portions of preferred stock or other instruments; holders usually receive proportional dividends and market pricing similar to ordinary shares, but may have limited voting rights and different liquidity or tax implications, which can affect income and resale value.

Non‑Cumulative Preferred Stock financial

"4.250% NON-CUMULATIVE PREFERRED STOCK, SERIES O"

Prospectus supplement regulatory

"You should read the accompanying prospectus supplement, which gives the specific terms"

A prospectus supplement is an additional document provided alongside a company's main offering details, offering updated or extra information about a specific financial product being sold. It helps investors understand the latest terms, risks, and details of the investment, similar to how an update or revision clarifies or expands on original instructions, ensuring they have current and complete information before making a decision.

Offering Details

other

Offering

Offering Type other

Securities Offered depositary shares representing 1/1,000th of a share of 4.250% Non‑Cumulative Preferred Stock, Series O

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What does Morgan Stanley's prospectus addendum dated April 8, 2026 say about the securities?

It covers depositary shares tied to 4.250% Non‑Cumulative Preferred Stock, Series O. The addendum states each depositary share represents 1/1,000th of a preferred share and updates the April 8, 2026 prospectus terminology for the offering.

Will Morgan Stanley receive proceeds from sales of the depositary shares (MS)?

The addendum does not state proceeds treatment explicitly. It says Morgan Stanley & Co. LLC and affiliates may use the addendum for market‑making transactions; proceeds details are in the prospectus supplement.

Are the depositary shares insured or bank obligations under Morgan Stanley (MS)?

No. The addendum states the depositary shares are not deposits or savings accounts and are not FDIC‑insured or obligations of a bank. They are securities representing fractional preferred shares.

Which prospectus does the addendum replace for Morgan Stanley (MS)?

The addendum supersedes the prospectus dated November 16, 2020 with the prospectus dated April 8, 2026. References to the prior prospectus should be read as references to the April 8, 2026 prospectus.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 04/08/2026 - 11:49 AM EDT Learn about SEC filing dates

Filed Pursuant to Rule 424(b)(3)
Registration Statement No. 333-293641

Prospectus Addendum to

the Prospectus dated April 8, 2026

DEPOSITARY SHARES
EACH REPRESENTING 1/1,000^TH OF A SHARE OF 

4.250% NON-CUMULATIVE PREFERRED STOCK, SERIES O

You should read the accompanying prospectus supplement, which gives the specific terms of the offered depositary shares, together with the accompanying prospectus dated April 8, 2026 of Morgan Stanley. When you read the prospectus supplement with the specific terms of the offered depositary shares, please note that all references in the prospectus supplement to the prospectus dated November 16, 2020, or to any sections of that document, should refer instead to the accompanying prospectus dated April 8, 2026, or to the corresponding section of the accompanying prospectus.

The accompanying prospectus dated April 8, 2026 supersedes the prospectus dated November 16, 2020.

Morgan Stanley & Co. LLC will, and other affiliates of Morgan Stanley may, use this prospectus addendum in connection with offers and sales of the depositary shares in market-making transactions.

The depositary shares are not deposits or savings accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency or instrumentality, nor are they obligations of, or guaranteed by, a bank.

MORGAN STANLEY

April 8, 2026