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ACIC vs MA

ACIC
American Coastal Insurance Corporation
BEARISH
Price
$11.31
Market Cap
$551.5M
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
ACIC
6.54
MA
30.28
Forward P/E
ACIC
7.32
MA
22.05
P/B Ratio
ACIC
1.53
MA
57.74
P/S Ratio
ACIC
1.64
MA
13.6
EV/EBITDA
ACIC
3.14
MA
22.13

Profitability

Gross Margin
ACIC
57.11%
MA
100.0%
Operating Margin
ACIC
-10.03%
MA
57.73%
Profit Margin
ACIC
31.85%
MA
45.65%
ROE
ACIC
38.61%
MA
209.91%
ROA
ACIC
8.01%
MA
23.72%

Growth

Revenue Growth
ACIC
-23.5%
MA
17.6%
Earnings Growth
ACIC
--
MA
24.2%

Financial Health

Debt/Equity
ACIC
0.47
MA
2.56
Current Ratio
ACIC
1.05
MA
1.03
Quick Ratio
ACIC
0.49
MA
0.68

Dividends

Dividend Yield
ACIC
--
MA
0.7%
Payout Ratio
ACIC
0.0%
MA
18.4%

AI Verdict

ACIC BEARISH

ACIC's Piotroski F-Score of 3/9 indicates weak financial health, with no Altman Z-Score available to assess bankruptcy risk. Despite a high Graham Number ($16.99) and strong profitability metrics like 31.85% profit margin and 38.61% ROE, the company exhibits severe revenue contraction (-23.50% YoY) and negative operating margin (-10.03%), signaling deteriorating core business performance. The stock trades at a P/E of 6.54, below sector average, but this is likely a reflection of declining fundamentals rather than undervaluation. Analysts recommend 'buy' with a $14.00 target, but insider selling and weak technical momentum undermine conviction.

Strengths
High profit margin (31.85%) and strong ROE (38.61%) indicate efficient capital use
Graham Number of $16.99 suggests defensive fair value potential
Recent quarters have shown significant earnings surprises (up to +241.2%)
Risks
Piotroski F-Score of 3/9 signals weak financial health and potential distress
Negative operating margin (-10.03%) and declining revenue (-23.50% YoY) indicate core business deterioration
Insider selling of $0.22M in the last 6 months signals bearish sentiment
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

ACIC vs MA: Head-to-Head Comparison

This page compares American Coastal Insurance Corporation (ACIC) 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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