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BBAR vs MA

BBAR
Banco BBVA Argentina S.A.
BEARISH
Price
$19.38
Market Cap
$4.46B
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BBAR
30.28
MA
30.28
Forward P/E
BBAR
14.49
MA
22.05
P/B Ratio
BBAR
5.81
MA
57.74
P/S Ratio
BBAR
0.0
MA
13.6
EV/EBITDA
BBAR
--
MA
22.13

Profitability

Gross Margin
BBAR
0.0%
MA
100.0%
Operating Margin
BBAR
8.78%
MA
57.73%
Profit Margin
BBAR
8.5%
MA
45.65%
ROE
BBAR
7.19%
MA
209.91%
ROA
BBAR
1.11%
MA
23.72%

Growth

Revenue Growth
BBAR
-17.7%
MA
17.6%
Earnings Growth
BBAR
--
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
BBAR
1.0%
MA
0.7%
Payout Ratio
BBAR
8.32%
MA
18.4%

AI Verdict

BBAR BEARISH

BBAR exhibits weak financial health with a Piotroski F-Score of just 2/9, indicating significant deterioration in fundamental performance. Despite strong long-term price appreciation, the stock trades at a premium valuation (P/E 30.28 vs sector avg 21.03) while facing sharp declines in revenue (-17.70% YoY) and earnings (-75.5% YoY). Earnings quality is poor, with 3 of the last 4 quarters missing estimates by an average of -45.13%, and key metrics like ROE (7.19%) and ROA (1.11%) remain below industry benchmarks. The lack of Altman Z-Score data raises transparency concerns, but the deterministic scorecard and deteriorating trends support a bearish outlook.

Strengths
Strong 5-year price performance (+853%) suggests prior investor confidence and macro tailwinds
Low analyst short interest with 4 analysts covering, indicating stable institutional attention
Dividend payout ratio is low (8.32%), providing cushion for potential yield maintenance
Risks
Critically low Piotroski F-Score of 2/9 signals severe financial distress and operational weakness
Revenue and earnings are in steep decline (YoY EPS -75.5%, Revenue -17.70%) with no signs of stabilization
Earnings misses have become chronic: 3 of last 4 quarters missed by over 40%, eroding credibility
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

BBAR vs MA: Head-to-Head Comparison

This page compares Banco BBVA Argentina S.A. (BBAR) 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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