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ASIC vs MA

ASIC
Ategrity Specialty Insurance Company Holdings
NEUTRAL
Price
$19.36
Market Cap
$930.6M
Sector
Financial Services
AI Confidence
72%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
ASIC
12.25
MA
30.28
Forward P/E
ASIC
7.47
MA
22.05
P/B Ratio
ASIC
1.51
MA
57.74
P/S Ratio
ASIC
2.19
MA
13.6
EV/EBITDA
ASIC
6.96
MA
22.13

Profitability

Gross Margin
ASIC
23.3%
MA
100.0%
Operating Margin
ASIC
26.94%
MA
57.73%
Profit Margin
ASIC
17.44%
MA
45.65%
ROE
ASIC
15.02%
MA
209.91%
ROA
ASIC
4.7%
MA
23.72%

Growth

Revenue Growth
ASIC
17.9%
MA
17.6%
Earnings Growth
ASIC
-9.0%
MA
24.2%

Financial Health

Debt/Equity
ASIC
0.0
MA
2.56
Current Ratio
ASIC
1.58
MA
1.03
Quick Ratio
ASIC
1.12
MA
0.68

Dividends

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

AI Verdict

ASIC NEUTRAL

ASIC's Piotroski F-Score of 4/9 indicates a borderline stable financial health, falling short of strong fundamentals. The absence of an Altman Z-Score raises concern about default risk, especially given the company's lack of disclosed debt and cash metrics. While the Graham Number ($21.31) and intrinsic value ($11.06) suggest undervaluation, the current price of $19.36 trades at a premium to intrinsic value, likely due to strong profitability and recent earnings surprises. The stock shows solid growth momentum in revenue (17.9% YoY) and consistent earnings beats (3/4 quarters), but earnings declined 9% YoY, creating a mixed signal. Analysts maintain a 'buy' recommendation with a $26.80 target, indicating optimism despite the valuation premium.

Strengths
Strong profit margins (17.44% net, 26.94% operating) relative to sector peers
Consistent earnings beat rate (3/4 quarters) with average surprise of 38.61%
High revenue growth (17.9% YoY) outpacing sector average
Risks
Piotroski F-Score of 4/9 indicates weak financial stability; below threshold for strong health
No Altman Z-Score available, creating uncertainty around bankruptcy risk
Earnings declined 9% YoY despite revenue growth, signaling margin pressure or one-time costs
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

ASIC vs MA: Head-to-Head Comparison

This page compares Ategrity Specialty Insurance Company Holdings (ASIC) 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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