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IBN vs MA

IBN
ICICI Bank Limited
NEUTRAL
Price
$27.54
Market Cap
$98.66B
Sector
Financial Services
AI Confidence
80%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
IBN
17.32
MA
30.28
Forward P/E
IBN
14.42
MA
22.05
P/B Ratio
IBN
2.56
MA
57.74
P/S Ratio
IBN
0.05
MA
13.6
EV/EBITDA
IBN
--
MA
22.13

Profitability

Gross Margin
IBN
0.0%
MA
100.0%
Operating Margin
IBN
33.29%
MA
57.73%
Profit Margin
IBN
24.93%
MA
45.65%
ROE
IBN
16.36%
MA
209.91%
ROA
IBN
2.08%
MA
23.72%

Growth

Revenue Growth
IBN
66.9%
MA
17.6%
Earnings Growth
IBN
8.4%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
IBN
0.9%
MA
0.7%
Payout Ratio
IBN
14.69%
MA
18.4%

AI Verdict

IBN NEUTRAL

The deterministic health profile is concerning, highlighted by a weak Piotroski F-Score of 2/9, indicating deteriorating operational trends. However, the valuation remains attractive with a PEG ratio of 0.52 and a current price ($27.54) sitting below the growth-based intrinsic value of $31.16. While revenue growth is explosive at 66.90%, the technical trend is currently bearish (0/100) and the 1-year price performance is negative. The stock presents a conflict between strong growth/valuation metrics and poor short-term financial health and price momentum.

Strengths
Exceptional Revenue Growth (YoY) of 66.90%
Highly attractive PEG ratio of 0.52 suggesting undervaluation relative to growth
Strong Return on Equity (ROE) of 16.36%
Risks
Weak Piotroski F-Score (2/9) signaling poor fundamental health trends
Strongly bearish technical trend (0/100)
Significant 1-year price decline of -17.2%
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

IBN vs MA: Head-to-Head Comparison

This page compares ICICI Bank Limited (IBN) 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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