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GGAL vs MA

GGAL
Grupo Financiero Galicia S.A.
BEARISH
Price
$47.93
Market Cap
$8.04B
Sector
Financial Services
AI Confidence
90%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
GGAL
53.85
MA
30.28
Forward P/E
GGAL
6.32
MA
22.05
P/B Ratio
GGAL
13.81
MA
57.74
P/S Ratio
GGAL
0.0
MA
13.6
EV/EBITDA
GGAL
--
MA
22.13

Profitability

Gross Margin
GGAL
0.0%
MA
100.0%
Operating Margin
GGAL
-3.54%
MA
57.73%
Profit Margin
GGAL
3.09%
MA
45.65%
ROE
GGAL
2.49%
MA
209.91%
ROA
GGAL
0.44%
MA
23.72%

Growth

Revenue Growth
GGAL
-10.0%
MA
17.6%
Earnings Growth
GGAL
--
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
GGAL
3.33%
MA
0.7%
Payout Ratio
GGAL
123.58%
MA
18.4%

AI Verdict

GGAL BEARISH

The deterministic health profile is critically weak, highlighted by a Piotroski F-Score of 2/9 and a massive valuation gap where the current price ($47.93) trades at a significant premium to the Graham Number ($8.34) and Intrinsic Value ($6.23). While long-term price performance has been exceptional, current fundamentals show severe deterioration, including a negative YoY revenue growth of 10% and a catastrophic earnings surprise trend (-149.13% over the last 4 quarters). The dividend is unsustainable with a payout ratio of 123.58%, suggesting capital erosion. Despite bullish analyst targets, the hard data indicates a high-risk, overvalued asset.

Strengths
Strong long-term price appreciation (5Y Change: +740.1%)
Positive short-term momentum (6M Change: +41.4%)
Low Forward P/E (6.32) suggesting expected earnings recovery
Risks
Critical financial health (Piotroski F-Score 2/9)
Extreme overvaluation relative to book value (P/B 13.81)
Unsustainable dividend payout ratio (123.58%)
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

GGAL vs MA: Head-to-Head Comparison

This page compares Grupo Financiero Galicia S.A. (GGAL) 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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