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FINV vs MA

FINV
FinVolution Group
BULLISH
Price
$4.81
Market Cap
$1.19B
Sector
Financial Services
AI Confidence
80%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
FINV
3.41
MA
30.28
Forward P/E
FINV
3.29
MA
22.05
P/B Ratio
FINV
0.49
MA
57.74
P/S Ratio
FINV
0.09
MA
13.6
EV/EBITDA
FINV
0.04
MA
22.13

Profitability

Gross Margin
FINV
73.93%
MA
100.0%
Operating Margin
FINV
34.03%
MA
57.73%
Profit Margin
FINV
18.74%
MA
45.65%
ROE
FINV
15.71%
MA
209.91%
ROA
FINV
16.39%
MA
23.72%

Growth

Revenue Growth
FINV
-13.0%
MA
17.6%
Earnings Growth
FINV
-37.9%
MA
24.2%

Financial Health

Debt/Equity
FINV
0.08
MA
2.56
Current Ratio
FINV
9.38
MA
1.03
Quick Ratio
FINV
4.33
MA
0.68

Dividends

Dividend Yield
FINV
6.36%
MA
0.7%
Payout Ratio
FINV
20.98%
MA
18.4%

AI Verdict

FINV BULLISH

FINV presents a classic deep-value opportunity, characterized by a stable Piotroski F-Score of 6/9 and an extreme valuation discount. The stock trades significantly below its Graham Number ($17.59) and Intrinsic Value ($9.87), with a P/B of 0.49 and a P/E of 3.41. While YoY revenue and earnings growth are sharply negative, the company maintains an exceptionally strong balance sheet with negligible debt (D/E 0.08) and high liquidity (Current Ratio 9.38). The bullish outlook is driven by the massive margin of safety and a sustainable 6.36% dividend yield.

Strengths
Extreme valuation discount (P/E 3.41, P/B 0.49)
Exceptional liquidity with a Current Ratio of 9.38
Very low leverage (Debt/Equity 0.08)
Risks
Significant YoY earnings contraction (-37.90%)
Negative revenue growth (-13.00%)
Strongly bearish technical trend (0/100)
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

FINV vs MA: Head-to-Head Comparison

This page compares FinVolution Group (FINV) 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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