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AIFU vs MA

AIFU
AIFU Inc.
BEARISH
Price
$1.99
Market Cap
$230.5M
Sector
Financial Services
AI Confidence
92%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AIFU
0.17
MA
30.28
Forward P/E
AIFU
3.68
MA
22.05
P/B Ratio
AIFU
0.04
MA
57.74
P/S Ratio
AIFU
0.19
MA
13.6
EV/EBITDA
AIFU
7.56
MA
22.13

Profitability

Gross Margin
AIFU
41.57%
MA
100.0%
Operating Margin
AIFU
-2.62%
MA
57.73%
Profit Margin
AIFU
-1.44%
MA
45.65%
ROE
AIFU
-7.37%
MA
209.91%
ROA
AIFU
-1.62%
MA
23.72%

Growth

Revenue Growth
AIFU
-73.5%
MA
17.6%
Earnings Growth
AIFU
--
MA
24.2%

Financial Health

Debt/Equity
AIFU
0.07
MA
2.56
Current Ratio
AIFU
3.72
MA
1.03
Quick Ratio
AIFU
3.68
MA
0.68

Dividends

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

AI Verdict

AIFU BEARISH

AIFU Inc. exhibits weak financial health despite a moderate Piotroski F-Score of 6/9, indicating stable but not strong fundamentals. The absence of an Altman Z-Score raises significant distress risk concerns, particularly given the company's negative profitability metrics and severe revenue contraction. With a current price of $1.99 trading well below both the Graham Number ($121.31) and intrinsic value ($82.32), the stock appears deeply undervalued on paper, yet this is likely due to fundamental deterioration rather than opportunity. The company's -73.5% revenue growth, negative ROE and ROA, and lack of dividend support reinforce a deteriorating business model. Technical and insider sentiment remain bearish, with no analyst coverage to validate upside potential.

Strengths
Piotroski F-Score of 6/9 indicates stable financials despite profitability issues
Extremely low Price/Book (0.04) and Price/Sales (0.19) suggest deep undervaluation
Strong liquidity with Current Ratio of 3.72 and Quick Ratio of 3.68
Risks
Severe revenue decline of -73.5% YoY signals fundamental business deterioration
Negative profit margin (-1.44%) and ROE (-7.37%) indicate ongoing unprofitability
No analyst coverage or target price implies lack of institutional interest
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

AIFU vs MA: Head-to-Head Comparison

This page compares AIFU Inc. (AIFU) 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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