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IROQ vs MA

IROQ
IF Bancorp Inc
NEUTRAL
Price
$26.55
Market Cap
$89.0M
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
IROQ
16.19
MA
30.28
Forward P/E
IROQ
--
MA
22.05
P/B Ratio
IROQ
0.99
MA
57.74
P/S Ratio
IROQ
3.12
MA
13.6
EV/EBITDA
IROQ
--
MA
22.13

Profitability

Gross Margin
IROQ
0.0%
MA
100.0%
Operating Margin
IROQ
26.28%
MA
57.73%
Profit Margin
IROQ
18.11%
MA
45.65%
ROE
IROQ
6.33%
MA
209.91%
ROA
IROQ
0.6%
MA
23.72%

Growth

Revenue Growth
IROQ
8.5%
MA
17.6%
Earnings Growth
IROQ
8.3%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
IROQ
0.02%
MA
0.7%
Payout Ratio
IROQ
24.39%
MA
18.4%

AI Verdict

IROQ NEUTRAL

IROQ presents as a classic value play, trading below its Graham Number ($31.52) and Intrinsic Value ($31.90) with a Price-to-Book ratio of 0.99. However, a Piotroski F-Score of 4/9 indicates only stable financial health, and the technical trend is currently bearish (0/100). While revenue and earnings growth remain positive at approximately 8%, the low ROE (6.33%) and ROA (0.60%) suggest inefficient capital utilization. The lack of analyst coverage and negligible dividend yield further temper the bullish value case.

Strengths
Trading below Graham Number and Intrinsic Value
Price-to-Book ratio under 1.0 (0.99)
Consistent YoY revenue and earnings growth (~8%)
Risks
Bearish technical trend (0/100 score)
Very low Return on Assets (0.60%) and Return on Equity (6.33%)
Micro-cap status ($0.09B) leads to higher volatility and liquidity risk
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

IROQ vs MA: Head-to-Head Comparison

This page compares IF Bancorp Inc (IROQ) 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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