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BMO vs MA

BMO
Bank of Montreal
NEUTRAL
Price
$137.69
Market Cap
$98.97B
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
BMO
16.77
MA
30.28
Forward P/E
BMO
12.28
MA
22.05
P/B Ratio
BMO
1.56
MA
57.74
P/S Ratio
BMO
3.03
MA
13.6
EV/EBITDA
BMO
--
MA
22.13

Profitability

Gross Margin
BMO
0.0%
MA
100.0%
Operating Margin
BMO
38.67%
MA
57.73%
Profit Margin
BMO
26.67%
MA
45.65%
ROE
BMO
10.12%
MA
209.91%
ROA
BMO
0.6%
MA
23.72%

Growth

Revenue Growth
BMO
15.5%
MA
17.6%
Earnings Growth
BMO
1.1%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
BMO
3.45%
MA
0.7%
Payout Ratio
BMO
56.29%
MA
18.4%

AI Verdict

BMO NEUTRAL

The Advanced Deterministic Scorecard shows a weak Piotroski F-Score of 4/9, indicating marginal financial health, and the absence of an Altman Z-Score prevents a full solvency risk assessment. Despite solid profitability metrics like a 38.67% operating margin and strong revenue growth of 15.50%, earnings growth is inconsistent, with recent Q/Q declines and volatile quarterly surprises. The stock trades above its Graham defensive value of $127.87 at $137.69, yet below the analyst target of $127.91, while offering a solid 3.45% dividend yield with a sustainable 56.29% payout ratio. Technical trend sentiment is weak at 10/100, offsetting positive insider sentiment, resulting in a neutral overall stance.

Strengths
Strong operating margin of 38.67% indicates efficient cost management
Revenue growth of 15.50% YoY outpaces sector average of 34.80% despite macro headwinds
Dividend yield of 3.45% is attractive with a reasonable payout ratio of 56.29%
Risks
Low Piotroski F-Score of 4/9 signals weak financial health and potential balance sheet inefficiencies
Missing Altman Z-Score creates uncertainty around bankruptcy risk and capital structure stability
Earnings growth is inconsistent, with YoY growth at +56.3% but Q/Q EPS down -8.0% and recent negative surprises
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

BMO vs MA: Head-to-Head Comparison

This page compares Bank of Montreal (BMO) 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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