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AMAL vs MSDL

AMAL
Amalgamated Financial Corp.
NEUTRAL
Price
$42.31
Market Cap
$1.26B
Sector
Financial Services
AI Confidence
85%
MSDL
Morgan Stanley Direct Lending Fund
BEARISH
Price
$15.09
Market Cap
$1.29B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AMAL
12.41
MSDL
10.78
Forward P/E
AMAL
9.33
MSDL
8.34
P/B Ratio
AMAL
1.59
MSDL
0.74
P/S Ratio
AMAL
4.04
MSDL
3.24
EV/EBITDA
AMAL
--
MSDL
--

Profitability

Gross Margin
AMAL
0.0%
MSDL
100.0%
Operating Margin
AMAL
43.16%
MSDL
80.06%
Profit Margin
AMAL
33.43%
MSDL
30.73%
ROE
AMAL
13.91%
MSDL
6.8%
ROA
AMAL
1.22%
MSDL
5.03%

Growth

Revenue Growth
AMAL
9.0%
MSDL
-6.2%
Earnings Growth
AMAL
11.1%
MSDL
-43.0%

Financial Health

Debt/Equity
AMAL
--
MSDL
1.19
Current Ratio
AMAL
--
MSDL
1.39
Quick Ratio
AMAL
--
MSDL
1.23

Dividends

Dividend Yield
AMAL
1.37%
MSDL
11.93%
Payout Ratio
AMAL
16.42%
MSDL
142.86%

AI Verdict

AMAL NEUTRAL

AMAL presents a dichotomy between strong fundamental value and bearish sentiment. The Piotroski F-Score of 4/9 indicates stable financial health, while the current price of $42.31 sits below both the Graham Number ($45.21) and the growth-based Intrinsic Value ($80.65). Despite consistent earnings beats and a low P/E ratio relative to the sector, the stock is facing significant headwinds from heavy insider selling and a strongly bearish technical trend (10/100).

Strengths
Significant undervaluation relative to Intrinsic Value ($80.65) and Graham Number ($45.21)
Exceptional earnings track record with consistent EPS beats over 25 quarters
Strong profitability metrics with a 13.91% ROE and 33.43% profit margin
Risks
Strongly bearish insider sentiment with 9 sell transactions and 0 buys in 6 months
Severe technical weakness (Technical Trend score of 10/100)
Piotroski F-Score of 4/9 suggests only 'stable' rather than 'strong' financial health
MSDL BEARISH

MSDL presents a classic 'yield trap' profile, characterized by a stable but mediocre Piotroski F-Score of 4/9 and a critical lack of earnings growth. While the stock trades at a discount to book value (P/B 0.74) and below its Graham Number ($25.26), these value metrics are undermined by a catastrophic dividend payout ratio of 142.86% and a 43% year-over-year collapse in earnings. The technical trend is completely bearish (0/100), and the intrinsic value of $9.80 suggests the current price is unsupported by fundamental growth.

Strengths
Trading significantly below book value (P/B 0.74)
Very high current dividend yield of 11.93%
Strong operating margins (80.06%)
Risks
Unsustainable dividend payout ratio (142.86%) indicating a high risk of dividend cuts
Severe earnings contraction (-43% YoY and -44.4% Q/Q)
Negative revenue growth (-6.2% YoY)

Compare Another Pair

AMAL vs MSDL: Head-to-Head Comparison

This page compares Amalgamated Financial Corp. (AMAL) and Morgan Stanley Direct Lending Fund (MSDL) 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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