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FRAF vs MA

FRAF
Franklin Financial Services Corporation
BULLISH
Price
$56.95
Market Cap
$255.8M
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
FRAF
11.55
MA
30.28
Forward P/E
FRAF
9.03
MA
22.05
P/B Ratio
FRAF
1.46
MA
57.74
P/S Ratio
FRAF
2.98
MA
13.6
EV/EBITDA
FRAF
--
MA
22.13

Profitability

Gross Margin
FRAF
0.0%
MA
100.0%
Operating Margin
FRAF
34.8%
MA
57.73%
Profit Margin
FRAF
24.7%
MA
45.65%
ROE
FRAF
13.27%
MA
209.91%
ROA
FRAF
0.96%
MA
23.72%

Growth

Revenue Growth
FRAF
54.7%
MA
17.6%
Earnings Growth
FRAF
1199.3%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
FRAF
2.42%
MA
0.7%
Payout Ratio
FRAF
27.64%
MA
18.4%

AI Verdict

FRAF BULLISH

FRAF presents a compelling value opportunity, trading significantly below its Graham Number ($65.86) and growth-based Intrinsic Value ($145.44). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company exhibits explosive year-over-year revenue and earnings growth that far exceeds sector averages. Despite a severely bearish technical trend (10/100), the fundamental valuation and low P/E ratio relative to peers suggest a strong margin of safety.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Explosive YoY earnings growth (1199.30%) and revenue growth (54.70%)
Low P/E ratio (11.55) compared to the financial services sector average (26.49)
Risks
Severely bearish short-term technical trend (10/100)
Small market capitalization ($0.26B) leading to higher volatility
Piotroski F-Score of 4/9 suggests mediocre operational health
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

FRAF vs MA: Head-to-Head Comparison

This page compares Franklin Financial Services Corporation (FRAF) 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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