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AVAL vs MA

AVAL
Grupo Aval Acciones y Valores S.A.
BEARISH
Price
$4.68
Market Cap
$5.58B
Sector
Financial Services
AI Confidence
78%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AVAL
12.65
MA
30.28
Forward P/E
AVAL
9.82
MA
22.05
P/B Ratio
AVAL
0.01
MA
57.74
P/S Ratio
AVAL
--
MA
13.6
EV/EBITDA
AVAL
--
MA
22.13

Profitability

Gross Margin
AVAL
0.0%
MA
100.0%
Operating Margin
AVAL
0.0%
MA
57.73%
Profit Margin
AVAL
12.35%
MA
45.65%
ROE
AVAL
9.25%
MA
209.91%
ROA
AVAL
0.94%
MA
23.72%

Growth

Revenue Growth
AVAL
12.1%
MA
17.6%
Earnings Growth
AVAL
25.3%
MA
24.2%

Financial Health

Debt/Equity
AVAL
--
MA
2.56
Current Ratio
AVAL
--
MA
1.03
Quick Ratio
AVAL
--
MA
0.68

Dividends

Dividend Yield
AVAL
2.94%
MA
0.7%
Payout Ratio
AVAL
37.68%
MA
18.4%

AI Verdict

AVAL BEARISH

The Advanced Deterministic Scorecard reveals a critically weak financial health profile with a Piotroski F-Score of just 0/9, indicating severe deterioration in fundamental performance. Despite strong recent price momentum and solid earnings growth, the company exhibits alarming profitability distortions—operating and gross margins are 0.00%, while the Price/Book ratio of 0.01 suggests either a deep-value opportunity or potential accounting irregularities. Revenue and earnings growth are impressive, but inconsistent earnings surprises and a lack of transparency in balance sheet metrics (missing debt, cash, and Altman Z-Score) undermine confidence. The stock trades above the conservative Graham Number of $80.35, but this appears to be a data error given the current price of $4.68, suggesting possible misreporting or unit discrepancy.

Strengths
Strong year-over-year earnings growth of 25.30% and 50.0% YoY EPS growth indicate robust profitability expansion.
Attractive dividend yield of 2.94% with a sustainable payout ratio of 37.68%.
Significant recent price appreciation: +108.0% over 1 year and +123.2% over 3 years, reflecting strong investor sentiment.
Risks
Piotroski F-Score of 0/9 signals extreme financial distress and deteriorating operational fundamentals.
Operating and gross margins reported as 0.00% are highly abnormal for a regional bank, raising red flags about revenue recognition or cost structure.
Price/Book ratio of 0.01 is implausibly low, indicating either severe asset overstatement or data integrity issues.
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

AVAL vs MA: Head-to-Head Comparison

This page compares Grupo Aval Acciones y Valores S.A. (AVAL) 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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