No connection

Search Results

CFR vs MA

CFR
Cullen/Frost Bankers, Inc.
NEUTRAL
Price
$141.40
Market Cap
$8.9B
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
CFR
14.24
MA
30.28
Forward P/E
CFR
13.29
MA
22.05
P/B Ratio
CFR
2.02
MA
57.74
P/S Ratio
CFR
4.06
MA
13.6
EV/EBITDA
CFR
--
MA
22.13

Profitability

Gross Margin
CFR
0.0%
MA
100.0%
Operating Margin
CFR
34.52%
MA
57.73%
Profit Margin
CFR
29.6%
MA
45.65%
ROE
CFR
15.31%
MA
209.91%
ROA
CFR
1.23%
MA
23.72%

Growth

Revenue Growth
CFR
9.5%
MA
17.6%
Earnings Growth
CFR
8.5%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
CFR
2.83%
MA
0.7%
Payout Ratio
CFR
39.82%
MA
18.4%

AI Verdict

CFR NEUTRAL

CFR presents a dichotomy between exceptional earnings consistency and deteriorating financial health, as evidenced by a weak Piotroski F-Score of 3/9. While the stock trades between its Graham Number ($123.50) and Intrinsic Value ($191.38), the high PEG ratio of 2.38 and a bearish technical trend (10/100) suggest limited immediate upside. Strong ROE (15.31%) and a sustainable dividend payout (39.82%) provide a fundamental floor, but insider selling and poor deterministic health scores warrant a cautious approach. The company remains a stable earner, but current valuation and health metrics indicate a period of stagnation.

Strengths
Exceptional earnings track record with consistent beats over 25 quarters
Strong Return on Equity (ROE) of 15.31%
Sustainable dividend profile with a low payout ratio of 39.82%
Risks
Weak financial health indicated by a Piotroski F-Score of 3/9
Bearish technical trend (10/100) suggesting strong downward momentum
High PEG ratio (2.38) indicating the stock may be overvalued relative to its growth rate
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

CFR vs MA: Head-to-Head Comparison

This page compares Cullen/Frost Bankers, Inc. (CFR) 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.

Home
Terminal
AI Chat
Markets
Profile