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BVFL vs MA

BVFL
BV Financial, Inc.
BULLISH
Price
$20.12
Market Cap
$179.2M
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
BVFL
14.07
MA
30.28
Forward P/E
BVFL
--
MA
22.05
P/B Ratio
BVFL
0.9
MA
57.74
P/S Ratio
BVFL
4.26
MA
13.6
EV/EBITDA
BVFL
--
MA
22.13

Profitability

Gross Margin
BVFL
0.0%
MA
100.0%
Operating Margin
BVFL
57.78%
MA
57.73%
Profit Margin
BVFL
32.09%
MA
45.65%
ROE
BVFL
7.12%
MA
209.91%
ROA
BVFL
1.48%
MA
23.72%

Growth

Revenue Growth
BVFL
37.3%
MA
17.6%
Earnings Growth
BVFL
218.6%
MA
24.2%

Financial Health

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

Dividends

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

AI Verdict

BVFL BULLISH

BVFL presents a compelling value opportunity, trading at a significant discount to both its Graham Number ($26.88) and Intrinsic Value ($42.18). The company exhibits a stable financial health profile with a Piotroski F-Score of 4/9 and explosive year-over-year earnings growth of 218.60%. While technical trends and insider sentiment are currently bearish, the fundamental valuation—highlighted by a Price-to-Book ratio of 0.90—suggests the stock is undervalued relative to its assets and growth trajectory.

Strengths
Trading below book value (P/B 0.90)
Exceptional earnings growth (218.60% YoY)
Strong revenue growth (37.30% YoY)
Risks
Micro-cap liquidity risk (Market Cap $0.18B)
Extremely bearish technical trend (10/100)
Lack of institutional analyst coverage
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

BVFL vs MA: Head-to-Head Comparison

This page compares BV Financial, Inc. (BVFL) 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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