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GSBD vs MA

GSBD
Goldman Sachs BDC, Inc.
BEARISH
Price
$9.67
Market Cap
$1.09B
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
GSBD
9.39
MA
30.28
Forward P/E
GSBD
8.14
MA
22.05
P/B Ratio
GSBD
0.76
MA
57.74
P/S Ratio
GSBD
2.98
MA
13.6
EV/EBITDA
GSBD
--
MA
22.13

Profitability

Gross Margin
GSBD
100.0%
MA
100.0%
Operating Margin
GSBD
83.47%
MA
57.73%
Profit Margin
GSBD
32.62%
MA
45.65%
ROE
GSBD
7.96%
MA
209.91%
ROA
GSBD
5.32%
MA
23.72%

Growth

Revenue Growth
GSBD
-17.1%
MA
17.6%
Earnings Growth
GSBD
-34.7%
MA
24.2%

Financial Health

Debt/Equity
GSBD
1.32
MA
2.56
Current Ratio
GSBD
0.12
MA
1.03
Quick Ratio
GSBD
0.12
MA
0.68

Dividends

Dividend Yield
GSBD
14.79%
MA
0.7%
Payout Ratio
GSBD
135.92%
MA
18.4%

AI Verdict

GSBD BEARISH

GSBD presents as a classic value trap, characterized by a stable Piotroski F-Score of 4/9 but severely compromised by deteriorating fundamentals. While the Graham Number of $17.12 suggests defensive undervaluation and the stock trades at a discount to book (0.76x), these are offset by a catastrophic dividend payout ratio of 135.92% and double-digit declines in both revenue (-17.10%) and earnings (-34.70%). The disconnect between the high dividend yield and the actual earnings capacity indicates a high probability of a dividend cut. Technical trends are completely bearish (0/100), confirming a lack of market confidence despite the low P/E ratio.

Strengths
Trading significantly below book value (P/B 0.76)
Strong operating margins (83.47%)
Defensive fair value (Graham Number) is well above current price
Risks
Unsustainable dividend payout ratio (135.92%)
Severe negative earnings growth (-34.70% YoY)
Significant revenue contraction (-17.10% YoY)
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

GSBD vs MA: Head-to-Head Comparison

This page compares Goldman Sachs BDC, Inc. (GSBD) 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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