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HTT vs MA

HTT
High Templar Tech Limited
BEARISH
Price
$2.43
Market Cap
$377.3M
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
HTT
3.92
MA
30.28
Forward P/E
HTT
--
MA
22.05
P/B Ratio
HTT
0.23
MA
57.74
P/S Ratio
HTT
9.21
MA
13.6
EV/EBITDA
HTT
21.93
MA
22.13

Profitability

Gross Margin
HTT
11.88%
MA
100.0%
Operating Margin
HTT
-3260.11%
MA
57.73%
Profit Margin
HTT
1729.89%
MA
45.65%
ROE
HTT
6.18%
MA
209.91%
ROA
HTT
-1.63%
MA
23.72%

Growth

Revenue Growth
HTT
-93.9%
MA
17.6%
Earnings Growth
HTT
--
MA
24.2%

Financial Health

Debt/Equity
HTT
0.14
MA
2.56
Current Ratio
HTT
5.75
MA
1.03
Quick Ratio
HTT
4.62
MA
0.68

Dividends

Dividend Yield
HTT
--
MA
0.7%
Payout Ratio
HTT
0.0%
MA
18.4%

AI Verdict

HTT BEARISH

HTT exhibits severe fundamental deterioration, highlighted by a weak Piotroski F-Score of 3/9 and a catastrophic YoY revenue decline of 93.90%. While the stock appears undervalued based on the Graham Number ($12.22) and Price-to-Book ratio (0.23), these metrics are lagging indicators that fail to account for the collapse of core operations. The massive divergence between the anomalous profit margin (1729.89%) and the disastrous operating margin (-3260.11%) suggests non-operating gains are masking a failing business model. With a technical trend of 0/100 and consistent earnings misses, the current price reflects a distressed asset rather than a value opportunity.

Strengths
Extremely low Price-to-Book ratio (0.23)
Low Debt-to-Equity ratio (0.14)
Strong short-term liquidity (Current Ratio 5.75)
Risks
Catastrophic revenue collapse (-93.90% YoY)
Severe operational inefficiency (Operating Margin -3260.11%)
Weak financial health as indicated by Piotroski F-Score (3/9)
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

HTT vs MA: Head-to-Head Comparison

This page compares High Templar Tech Limited (HTT) 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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