MORGAN STANLEY SEC Filings

Morgan Stanley Finance LLC is offering principal-at-risk, auto-callable notes due July 31, 2031 tied to the S&P400 Futures 40% Intraday 4% Decrement VT Index. Each security has a $1,000 stated principal amount and an estimated value on the pricing date of approximately $898.40. The notes may automatically redeem on scheduled determination dates beginning August 4, 2027 if the underliers closing level is at or above the call threshold (90% of the initial level). If not auto-redeemed, maturity payoffs range from a fixed positive payment if the final level meets the call threshold to full principal return if above the downside threshold (60% of initial level), or a proportionate loss if below the downside threshold. All payments are unsecured obligations of MSFL and are fully guaranteed by Morgan Stanley and are subject to the issuers credit risk.

Morgan Stanley Finance LLC offers structured, principal-at-risk notes due August 2, 2029, fully and unconditionally guaranteed by Morgan Stanley. Each security has a stated principal amount of $1,000 per security and an early redemption feature tied to the Russell 2000^® Index and the S&P 500^® Index.

The securities have a 150% participation rate in the upside of the worst performing underlier if final levels exceed initial levels, a downside threshold of 70% of initial level, automatic early redemption if both underliers meet 100% call thresholds on the first determination date, and equity‑linked downside exposure that can result in full loss of principal if the worst performing underlier declines below its downside threshold.

The issuer, Morgan Stanley Finance LLC, is offering structured, principal‑at‑risk buffered jump securities with an auto‑call feature due August 2, 2029. Each security has a $1,000 stated principal amount and an original issue price of $1,000. The securities reference the Nasdaq‑100® Technology Sector, the Russell 2000® Index and the S&P 500® Index and are linked to the worst performing underlier. They include a 20% buffer, a 150% participation rate on upside at maturity, and a minimum payment at maturity of 20% of principal. An automatic early redemption is possible on the first determination date (August 4, 2027) for a fixed early redemption payment (estimated between $1,137.50 and $1,147.50). All payments are subject to Morgan Stanley’s credit risk and tax treatment is described as uncertain in the document.

Morgan Stanley Finance LLC offers a series of principal-at-risk, contingent-income, memory buffered auto-callable securities due July 31, 2031, fully and unconditionally guaranteed by Morgan Stanley. Each security has a $1,000 issue price and an estimated value on the pricing date of approximately $904.50.

The notes reference the S&P® U.S. Equity Momentum 40% VT 4% Decrement Index, pay contingent coupons at an annual rate of 10.00% to 11.00% if the underlier meets the coupon barrier on observation dates, are automatically redeemable if the underlier is ≥ the call threshold (90% of the initial level) on a redemption determination date, and return principal at maturity only if the final level is ≥ the buffer level (85% of the initial level). If the final level is below the buffer level, payment at maturity equals the stated principal × (performance factor + buffer amount), subject to a minimum payment at maturity of 15% of principal.

Morgan Stanley Finance LLC offers Principal-at-Risk auto-callable securities payable July 31, 2031. Each security has a $1,000 stated principal amount and an issue price of $1,000. The securities pay a contingent coupon (annual rate to be set on the pricing date of 9.35% to 10.35%) only if the underlier meets the coupon barrier on observation dates. The underlier is the S&P U.S. Equity Momentum 40% VT 4% Decrement Index. Automatic early redemption is possible beginning with the first redemption determination date on July 28, 2027. At maturity on July 31, 2031, if the final level is at or above the buffer level (85% of the initial level), investors receive principal; if below the buffer level, the payment equals stated principal × (performance factor + 15% buffer), subject to a 15% minimum payment at maturity. The pricing-date estimated value was approximately $901.70 per security. All payments are subject to MSFL and Morgan Stanley credit risk.

The document prices Buffered Jump Securities with an Auto-Callable Feature issued by Morgan Stanley Finance LLC and fully guaranteed by Morgan Stanley. Each security has a $1,000 stated principal amount, a strike date and pricing date of July 28, 2026, an original issue date of July 31, 2026 and a maturity date of July 31, 2031.

The securities reference the S&P U.S. Equity Momentum 40% VT 4% Decrement Index. A buffer amount of 15% protects losses up to that decline; if the final level is below the buffer, investors lose 1% of principal for each 1% decline beyond the buffer. The first determination date for automatic early redemption is July 29, 2027; the call threshold is 100% of the initial level. The pricing-date estimated value is approximately $906.90 per security.

Morgan Stanley Finance LLC priced a primary offering of principal-at-risk, buffered jump securities due July 31, 2031, fully and unconditionally guaranteed by Morgan Stanley. Each security has a $1,000 stated principal amount and an estimated value on the pricing date of approximately $907.10. The notes feature an automatic early redemption mechanism beginning on the first determination date, with scheduled monthly determination dates and early redemption payments that correspond to roughly 17.00–18.00 per annum (amounts to be fixed on the pricing date). At maturity investors may receive a fixed positive payment (up to $1,850.00 per security if final level >= call threshold), return of principal, or a reduced payment reflecting losses beyond a 20 buffer (minimum payment at maturity is 20 of principal). All payments are subject to Morgan Stanley’s credit risk. The securities do not pay interest and are designed for investors willing to risk principal for possible enhanced early or final payments.

Morgan Stanley Finance LLC offers Structured Investments — Buffered Jump Securities with an Auto-Callable feature due July 31, 2031

The securities are issued at a stated principal amount of $1,000 per security and have an estimated value on the pricing date of approximately $904.80. They pay no regular interest, include a 15% buffer (buffer level = 85% of the initial level) and a call threshold at 90% of the initial level. If a determination date meets or exceeds the call threshold, the notes are automatically redeemed for fixed early redemption payments (scheduled from July 29, 2027 through various dates), otherwise payment at maturity depends on the final level relative to the buffer and may result in losses (downside exposure of 1% per 1% decline beyond the buffer, subject to a 15% minimum payment). All payments are unsecured and guaranteed by Morgan Stanley and are subject to Morgan Stanley’s credit risk.

Morgan Stanley Finance LLC is offering Principal at Risk, contingent‑coupon, memory buffered auto‑callable securities due July 31, 2031, fully guaranteed by Morgan Stanley. Each security has a $1,000 stated principal amount and an estimated value on the pricing date of approximately $901.80.

The notes pay a contingent coupon (annual rate to be set on the pricing date between 12.25% and 13.25%) only when the closing level of the S&P® U.S. Equity Momentum 40% VT 4% Decrement Index is at or above the coupon barrier on observation dates. They can be automatically redeemed early if the index closes at or above the call threshold on a redemption determination date. If not redeemed, principal at maturity is protected only up to a 15% buffer; final payments below the buffer expose investors to proportional principal loss, subject to a minimum payment of 15% of principal.