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AHL vs MA

AHL
Aspen Insurance Holdings Limite
BEARISH
Price
$37.26
Market Cap
$3.42B
Sector
Financial Services
AI Confidence
68%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AHL
5.48
MA
30.28
Forward P/E
AHL
7.58
MA
22.05
P/B Ratio
AHL
1.23
MA
57.74
P/S Ratio
AHL
1.07
MA
13.6
EV/EBITDA
AHL
4.0
MA
22.13

Profitability

Gross Margin
AHL
35.02%
MA
100.0%
Operating Margin
AHL
17.55%
MA
57.73%
Profit Margin
AHL
14.22%
MA
45.65%
ROE
AHL
13.97%
MA
209.91%
ROA
AHL
1.83%
MA
23.72%

Growth

Revenue Growth
AHL
1.6%
MA
17.6%
Earnings Growth
AHL
157.2%
MA
24.2%

Financial Health

Debt/Equity
AHL
0.1
MA
2.56
Current Ratio
AHL
0.78
MA
1.03
Quick Ratio
AHL
0.35
MA
0.68

Dividends

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

AI Verdict

AHL BEARISH

The Advanced Deterministic Scorecard reveals a weak financial health profile with a Piotroski F-Score of just 3/9, indicating significant operational and balance sheet concerns. Despite a low P/E of 5.48 and a Graham Number of $67.98—suggesting substantial undervaluation—the company's deteriorating liquidity (Current Ratio: 0.78, Quick Ratio: 0.35) and poor technical trend (10/100) raise red flags. Earnings growth is volatile, with recent Q/Q EPS contraction of -11.5% despite strong YoY gains, while insider sentiment is tepid at 40/100. The absence of a dividend and lack of Altman Z-Score further undermine confidence in stability.

Strengths
Low P/E ratio of 5.48 well below sector average of 22.56, indicating potential undervaluation
High profitability margins: 14.22% net margin and 17.55% operating margin
Strong ROE of 13.97%, outperforming sector average of -15.97%
Risks
Piotroski F-Score of 3/9 indicates weak financial health and high risk of value trap
Critically low liquidity: Current Ratio of 0.78 and Quick Ratio of 0.35 suggest potential solvency concerns
Missing Altman Z-Score prevents distress risk assessment but low liquidity implies possible danger
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

AHL vs MA: Head-to-Head Comparison

This page compares Aspen Insurance Holdings Limite (AHL) 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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