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AX vs MA

AX
Axos Financial, Inc.
NEUTRAL
Price
$91.75
Market Cap
$5.2B
Sector
Financial Services
AI Confidence
65%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AX
12.94
MA
30.28
Forward P/E
AX
9.93
MA
22.05
P/B Ratio
AX
1.86
MA
57.74
P/S Ratio
AX
4.32
MA
13.6
EV/EBITDA
AX
--
MA
22.13

Profitability

Gross Margin
AX
0.0%
MA
100.0%
Operating Margin
AX
50.8%
MA
57.73%
Profit Margin
AX
36.0%
MA
45.65%
ROE
AX
16.65%
MA
209.91%
ROA
AX
1.7%
MA
23.72%

Growth

Revenue Growth
AX
-0.2%
MA
17.6%
Earnings Growth
AX
0.5%
MA
24.2%

Financial Health

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

Dividends

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

AI Verdict

AX NEUTRAL

The Advanced Deterministic Scorecard reveals a mixed financial profile: the Piotroski F-Score of 4/9 indicates borderline stable financial health, while the absence of an Altman Z-Score limits distress risk assessment. Despite strong profitability metrics like a 50.8% operating margin and consistent earnings beats, weak revenue growth and lack of key financial data constrain confidence. The stock trades above the Graham Number of $88.69 at $91.75, implying a slight premium, but remains below the analyst target of $103.25. Bearish insider activity and a weak technical trend offset solid historical performance and favorable sector-relative valuation.

Strengths
Consistently beats earnings estimates with an 88% beat rate over the last four quarters and strong average surprise of 7.2%
Exceptional operating profitability: 50.8% operating margin and 36.0% profit margin significantly outperform sector averages
Attractive valuation relative to peers: P/E of 12.94 vs sector average of 20.94
Risks
Low Piotroski F-Score of 4/9 suggests weak financial health and limited operational resilience
Revenue growth is nearly flat YoY (-0.20%), indicating stagnation in top-line expansion
Missing key financial data (Debt/Equity, Altman Z-Score, cash/debt levels) creates uncertainty in financial health and leverage risk
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

AX vs MA: Head-to-Head Comparison

This page compares Axos Financial, Inc. (AX) 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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