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BLFY vs MA

BLFY
Blue Foundry Bancorp
BEARISH
Price
$12.86
Market Cap
$267.0M
Sector
Financial Services
AI Confidence
75%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BLFY
--
MA
30.28
Forward P/E
BLFY
-85.73
MA
22.05
P/B Ratio
BLFY
0.77
MA
57.74
P/S Ratio
BLFY
5.97
MA
13.6
EV/EBITDA
BLFY
--
MA
22.13

Profitability

Gross Margin
BLFY
0.0%
MA
100.0%
Operating Margin
BLFY
-13.55%
MA
57.73%
Profit Margin
BLFY
-20.58%
MA
45.65%
ROE
BLFY
-2.82%
MA
209.91%
ROA
BLFY
-0.44%
MA
23.72%

Growth

Revenue Growth
BLFY
30.3%
MA
17.6%
Earnings Growth
BLFY
--
MA
24.2%

Financial Health

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

Dividends

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

AI Verdict

BLFY BEARISH

BLFY exhibits extremely weak financial health with a Piotroski F-Score of just 1/9, indicating severe operational and profitability concerns. Despite strong year-over-year revenue growth of 30.30% and a recent price surge (+33% over 1Y), the company is unprofitable with negative margins across all key metrics, including a -20.58% profit margin and a -2.82% ROE. Valuation metrics are distorted, with a negative forward P/E of -85.73 and no calculable Altman Z-Score or Graham Number, limiting traditional value assessment. While insider sentiment is moderately positive at 60/100, technical trend is deeply bearish (10/100), and analyst target price of $10.00 implies 22% downside from current levels.

Strengths
Strong year-over-year revenue growth of 30.30%, outpacing sector average of 27.33%
Consistently beats earnings estimates, with 2 out of last 4 quarters beating and a history of positive surprises (e.g., +47.8% in Q3 2023)
Insider sentiment is neutral to moderately positive at 60/100, suggesting no major red flags from internal stakeholders
Risks
Critically low Piotroski F-Score of 1/9 signals severe financial distress and weak fundamentals
Persistent unprofitability with negative profit, operating, and gross margins, indicating structural business model issues
Negative ROE (-2.82%) and ROA (-0.44%) reflect poor capital efficiency and asset utilization
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

BLFY vs MA: Head-to-Head Comparison

This page compares Blue Foundry Bancorp (BLFY) 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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