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AAME vs MA

AAME
Atlantic American Corporation
NEUTRAL
Price
$2.77
Market Cap
$56.5M
Sector
Financial Services
AI Confidence
65%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AAME
12.04
MA
30.28
Forward P/E
AAME
--
MA
22.05
P/B Ratio
AAME
0.52
MA
57.74
P/S Ratio
AAME
0.27
MA
13.6
EV/EBITDA
AAME
6.44
MA
22.13

Profitability

Gross Margin
AAME
12.51%
MA
100.0%
Operating Margin
AAME
2.88%
MA
57.73%
Profit Margin
AAME
2.45%
MA
45.65%
ROE
AAME
4.75%
MA
209.91%
ROA
AAME
1.49%
MA
23.72%

Growth

Revenue Growth
AAME
20.8%
MA
17.6%
Earnings Growth
AAME
--
MA
24.2%

Financial Health

Debt/Equity
AAME
0.39
MA
2.56
Current Ratio
AAME
1.5
MA
1.03
Quick Ratio
AAME
1.16
MA
0.68

Dividends

Dividend Yield
AAME
0.72%
MA
0.7%
Payout Ratio
AAME
8.7%
MA
18.4%

AI Verdict

AAME NEUTRAL

AAME's Piotroski F-Score of 4/9 indicates weak financial health, signaling potential operational inefficiencies and limited profitability sustainability. The absence of an Altman Z-Score raises concern about default risk, particularly given the company's small size and high leverage relative to peers. While the stock trades at a significant discount to its Graham Number ($5.27) and intrinsic value ($1.61), suggesting undervaluation, this is offset by stagnant earnings growth, poor technical momentum, and lack of analyst coverage. The 20.8% revenue growth is encouraging but unconfirmed by earnings data, and the 1Y return of +100.9% may reflect speculative momentum rather than fundamentals.

Strengths
Trading at a deep discount to Graham Number ($5.27) and intrinsic value ($1.61), indicating potential undervaluation
Strong revenue growth of 20.8% YoY, suggesting top-line expansion
Low Price/Book (0.52) and Price/Sales (0.27) ratios, indicating market discount
Risks
Piotroski F-Score of 4/9 indicates weak financial health and operational inefficiencies
No Altman Z-Score available; potential distress risk due to small size and lack of financial resilience
No analyst coverage or target price, indicating low institutional interest and information opacity
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

AAME vs MA: Head-to-Head Comparison

This page compares Atlantic American Corporation (AAME) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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