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IOR vs MA

IOR
Income Opportunity Realty Investors, Inc.
BEARISH
Price
$17.90
Market Cap
$72.8M
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
IOR
18.27
MA
30.28
Forward P/E
IOR
--
MA
22.05
P/B Ratio
IOR
0.58
MA
57.74
P/S Ratio
IOR
--
MA
13.6
EV/EBITDA
IOR
--
MA
22.13

Profitability

Gross Margin
IOR
0.0%
MA
100.0%
Operating Margin
IOR
0.0%
MA
57.73%
Profit Margin
IOR
0.0%
MA
45.65%
ROE
IOR
3.22%
MA
209.91%
ROA
IOR
-0.19%
MA
23.72%

Growth

Revenue Growth
IOR
--
MA
17.6%
Earnings Growth
IOR
-12.2%
MA
24.2%

Financial Health

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

Dividends

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

AI Verdict

IOR BEARISH

IOR exhibits severe fundamental weakness, highlighted by a Piotroski F-Score of 2/9, indicating poor financial health. While the stock appears undervalued based on the Graham Number ($26.13) and a Price-to-Book ratio of 0.58, these are likely value traps given the intrinsic value of $6.86 and negative growth trends. Profitability is non-existent with 0.00% profit and operating margins, coupled with a -12.20% decline in YoY earnings. The technical trend is bearish, and the lack of analyst coverage further increases the risk profile.

Strengths
Trading significantly below the Graham Number ($26.13)
Low Price-to-Book ratio (0.58) suggesting asset undervaluation
P/E ratio (18.27) is lower than the financial services sector average (35.93)
Risks
Critical financial health failure (Piotroski F-Score: 2/9)
Negative growth trajectory across both YoY and Q/Q earnings and revenue
Zero percent profit and operating margins indicating an inability to generate operational income
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

IOR vs MA: Head-to-Head Comparison

This page compares Income Opportunity Realty Investors, Inc. (IOR) 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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