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HPF vs MA

HPF
John Hancock Preferred Income Fund II
NEUTRAL
Price
$15.87
Market Cap
$343.6M
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
HPF
12.21
MA
30.28
Forward P/E
HPF
--
MA
22.05
P/B Ratio
HPF
0.99
MA
57.74
P/S Ratio
HPF
8.93
MA
13.6
EV/EBITDA
HPF
--
MA
22.13

Profitability

Gross Margin
HPF
100.0%
MA
100.0%
Operating Margin
HPF
88.4%
MA
57.73%
Profit Margin
HPF
72.89%
MA
45.65%
ROE
HPF
8.09%
MA
209.91%
ROA
HPF
3.82%
MA
23.72%

Growth

Revenue Growth
HPF
1.3%
MA
17.6%
Earnings Growth
HPF
-7.3%
MA
24.2%

Financial Health

Debt/Equity
HPF
0.6
MA
2.56
Current Ratio
HPF
2.26
MA
1.03
Quick Ratio
HPF
1.48
MA
0.68

Dividends

Dividend Yield
HPF
9.34%
MA
0.7%
Payout Ratio
HPF
114.0%
MA
18.4%

AI Verdict

HPF NEUTRAL

HPF presents a complex profile with a stable Piotroski F-Score of 6/9 and a Graham Number of $21.6 suggesting defensive value, yet it is countered by a low intrinsic value of $9.1. While the fund maintains strong margins and a healthy current ratio, it is exhibiting clear signs of a 'yield trap' with a payout ratio of 114% and declining earnings growth (-7.30% YoY). The stock is currently trading near its book value (P/B 0.99), providing a floor, but the bearish technical trend and unsustainable dividend profile limit upside potential.

Strengths
Strong profit margins (72.89%) and operating margins (88.40%)
Trading at a discount to the Graham Number ($21.6)
Healthy liquidity with a current ratio of 2.26
Risks
Unsustainable dividend payout ratio of 114%
Negative earnings growth (-7.30% YoY and -7.10% Q/Q)
Bearish technical trend (0/100 score)
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

HPF vs MA: Head-to-Head Comparison

This page compares John Hancock Preferred Income Fund II (HPF) 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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