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AGO vs MA

AGO
Assured Guaranty Ltd.
NEUTRAL
Price
$83.26
Market Cap
$3.96B
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
AGO
10.36
MA
30.28
Forward P/E
AGO
11.42
MA
22.05
P/B Ratio
AGO
0.69
MA
57.74
P/S Ratio
AGO
4.35
MA
13.6
EV/EBITDA
AGO
--
MA
22.13

Profitability

Gross Margin
AGO
90.34%
MA
100.0%
Operating Margin
AGO
67.14%
MA
57.73%
Profit Margin
AGO
44.13%
MA
45.65%
ROE
AGO
7.41%
MA
209.91%
ROA
AGO
2.33%
MA
23.72%

Growth

Revenue Growth
AGO
10.4%
MA
17.6%
Earnings Growth
AGO
-31.2%
MA
24.2%

Financial Health

Debt/Equity
AGO
0.3
MA
2.56
Current Ratio
AGO
1.02
MA
1.03
Quick Ratio
AGO
0.99
MA
0.68

Dividends

Dividend Yield
AGO
1.61%
MA
0.7%
Payout Ratio
AGO
16.3%
MA
18.4%

AI Verdict

AGO NEUTRAL

The Advanced Deterministic Scorecard reveals a weak Piotroski F-Score of 3/9, indicating poor financial health, while the absence of an Altman Z-Score prevents a definitive distress risk assessment. Despite this, AGO trades below the Graham Number of $148.07 at $83.26, suggesting potential undervaluation, supported by a low P/E of 10.36 versus sector average of 22.56. However, declining earnings growth (YoY: -31.20%) and negative insider sentiment counterbalance value appeal. Analysts recommend a 'buy' with a $107.00 target, implying upside, but inconsistent quarterly execution and bearish technical trend temper near-term optimism.

Strengths
Significantly undervalued relative to Graham Number ($148.07 vs. current price $83.26)
Low valuation multiples: P/E of 10.36 well below sector average of 22.56
Exceptionally high profitability margins: Gross (90.34%), Operating (67.14%), and Net (44.13%)
Risks
Very weak Piotroski F-Score of 3/9 signals deteriorating financial health and operational instability
Earnings under pressure: YoY earnings growth down 31.20% and Q/Q down 38.60%
Absence of Altman Z-Score limits ability to assess bankruptcy risk; requires caution
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

AGO vs MA: Head-to-Head Comparison

This page compares Assured Guaranty Ltd. (AGO) 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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