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BTO vs MA

BTO
John Hancock Financial Opportunities Fund
NEUTRAL
Price
$36.94
Market Cap
$731.4M
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
BTO
4.7
MA
30.28
Forward P/E
BTO
307.83
MA
22.05
P/B Ratio
BTO
1.09
MA
57.74
P/S Ratio
BTO
27.69
MA
13.6
EV/EBITDA
BTO
--
MA
22.13

Profitability

Gross Margin
BTO
100.0%
MA
100.0%
Operating Margin
BTO
64.02%
MA
57.73%
Profit Margin
BTO
593.63%
MA
45.65%
ROE
BTO
25.45%
MA
209.91%
ROA
BTO
1.36%
MA
23.72%

Growth

Revenue Growth
BTO
8.2%
MA
17.6%
Earnings Growth
BTO
--
MA
24.2%

Financial Health

Debt/Equity
BTO
0.19
MA
2.56
Current Ratio
BTO
0.08
MA
1.03
Quick Ratio
BTO
0.02
MA
0.68

Dividends

Dividend Yield
BTO
6.96%
MA
0.7%
Payout Ratio
BTO
32.7%
MA
18.4%

AI Verdict

BTO NEUTRAL

The Advanced Deterministic Scorecard shows a Piotroski F-Score of 5/9, indicating stable financial health, while the absence of an Altman Z-Score prevents a full distress risk assessment. BTO trades at a significant discount to the Graham Number ($77.36) with a current price of $36.94, suggesting deep value characteristics, yet the extremely high forward P/E of 307.83 raises sustainability concerns. Strong profitability metrics like a 593.63% profit margin and 25.45% ROE are offset by weak technical trends (10/100) and liquidity risks from a 0.08 current ratio. The 6.96% dividend yield with a low 32.7% payout ratio supports income appeal, but lack of analyst coverage and insider enthusiasm (40/100) limits conviction.

Strengths
Exceptionally low P/E ratio (4.70) vs. sector average (31.10), indicating deep value potential
High return on equity (25.45%) signaling efficient capital use
Very low debt/equity ratio (0.19), well below sector average (1.55), indicating conservative leverage
Risks
Critically low current (0.08) and quick (0.02) ratios, signaling severe short-term liquidity risk
Missing Altman Z-Score prevents bankruptcy risk assessment, a major analytical gap
Extremely high forward P/E (307.83) suggests earnings collapse or data anomaly
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

BTO vs MA: Head-to-Head Comparison

This page compares John Hancock Financial Opportunities Fund (BTO) 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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