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HAFC vs MA

HAFC
Hanmi Financial Corporation
BULLISH
Price
$28.00
Market Cap
$838.7M
Sector
Financial Services
AI Confidence
82%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
HAFC
11.16
MA
30.28
Forward P/E
HAFC
8.47
MA
22.05
P/B Ratio
HAFC
1.04
MA
57.74
P/S Ratio
HAFC
3.28
MA
13.6
EV/EBITDA
HAFC
--
MA
22.13

Profitability

Gross Margin
HAFC
0.0%
MA
100.0%
Operating Margin
HAFC
43.51%
MA
57.73%
Profit Margin
HAFC
29.75%
MA
45.65%
ROE
HAFC
9.96%
MA
209.91%
ROA
HAFC
0.98%
MA
23.72%

Growth

Revenue Growth
HAFC
15.7%
MA
17.6%
Earnings Growth
HAFC
20.2%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
HAFC
4.0%
MA
0.7%
Payout Ratio
HAFC
43.03%
MA
18.4%

AI Verdict

HAFC BULLISH

HAFC presents a compelling value opportunity, trading significantly below its Graham Number ($38.94) and Intrinsic Value ($74.04). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company exhibits robust YoY revenue (15.7%) and earnings (20.2%) growth. The low P/E of 11.16 and P/B of 1.04 suggest the market is underpricing the asset relative to its book value and growth. Despite a very bearish technical trend and recent earnings misses, the fundamental valuation and sustainable 4% dividend yield provide a strong margin of safety.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY earnings growth of 20.20%
Attractive dividend yield (4%) with a sustainable payout ratio (43.03%)
Risks
Severely bearish technical trend (10/100)
Recent earnings inconsistency (only 1 beat in last 4 quarters)
Bearish insider sentiment with net selling activity
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

HAFC vs MA: Head-to-Head Comparison

This page compares Hanmi Financial Corporation (HAFC) 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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