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ERC vs MA

ERC
Allspring Multi-Sector Income Fund
BULLISH
Price
$9.19
Market Cap
$257.8M
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
ERC
9.57
MA
30.28
Forward P/E
ERC
--
MA
22.05
P/B Ratio
ERC
0.91
MA
57.74
P/S Ratio
ERC
8.9
MA
13.6
EV/EBITDA
ERC
--
MA
22.13

Profitability

Gross Margin
ERC
100.0%
MA
100.0%
Operating Margin
ERC
90.08%
MA
57.73%
Profit Margin
ERC
93.54%
MA
45.65%
ROE
ERC
9.65%
MA
209.91%
ROA
ERC
4.02%
MA
23.72%

Growth

Revenue Growth
ERC
-6.6%
MA
17.6%
Earnings Growth
ERC
47.7%
MA
24.2%

Financial Health

Debt/Equity
ERC
0.42
MA
2.56
Current Ratio
ERC
0.07
MA
1.03
Quick Ratio
ERC
0.07
MA
0.68

Dividends

Dividend Yield
ERC
9.45%
MA
0.7%
Payout Ratio
ERC
89.97%
MA
18.4%

AI Verdict

ERC BULLISH

ERC presents a compelling deep-value opportunity, characterized by a stable Piotroski F-Score of 6/9 and a current price ($9.19) that trades significantly below both its Graham Number ($14.73) and estimated Intrinsic Value ($28.32). While the technical trend is currently bearish (0/100), the fundamental valuation metrics—including a P/B of 0.91 and a low P/E of 9.57—suggest the asset is heavily undervalued. Strong earnings growth of 47.7% offsets the slight decline in revenue, though the high dividend payout ratio requires monitoring.

Strengths
Significant undervaluation relative to Graham Number ($14.73) and Intrinsic Value ($28.32)
Strong earnings growth of 47.7% YoY
Stable financial health indicated by a Piotroski F-Score of 6/9
Risks
Severe bearish technical trend (0/100)
Extremely low current ratio (0.07), indicating potential liquidity constraints
High dividend payout ratio (89.97%) limiting capital reinvestment
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

ERC vs MA: Head-to-Head Comparison

This page compares Allspring Multi-Sector Income Fund (ERC) 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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