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JF vs MA

JF
J and Friends Holdings Limited
BEARISH
Price
$0.95
Market Cap
$15.2M
Sector
Financial Services
AI Confidence
95%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
JF
--
MA
30.28
Forward P/E
JF
--
MA
22.05
P/B Ratio
JF
-0.25
MA
57.74
P/S Ratio
JF
0.43
MA
13.6
EV/EBITDA
JF
--
MA
22.13

Profitability

Gross Margin
JF
63.96%
MA
100.0%
Operating Margin
JF
-47.07%
MA
57.73%
Profit Margin
JF
-33.48%
MA
45.65%
ROE
JF
--
MA
209.91%
ROA
JF
-7.26%
MA
23.72%

Growth

Revenue Growth
JF
2.7%
MA
17.6%
Earnings Growth
JF
--
MA
24.2%

Financial Health

Debt/Equity
JF
--
MA
2.56
Current Ratio
JF
0.18
MA
1.03
Quick Ratio
JF
0.18
MA
0.68

Dividends

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

AI Verdict

JF BEARISH

JF exhibits severe financial distress, highlighted by a weak Piotroski F-Score of 3/9 and a critical liquidity crisis with a Current Ratio of 0.18. The company's negative Price-to-Book ratio (-0.25) indicates negative shareholder equity, suggesting that liabilities exceed assets. Despite a positive gross margin, the company is deeply unprofitable with an operating margin of -47.07% and stagnant revenue growth of 2.70% compared to a sector average of 43.64%. The long-term price performance (-86.8% over 5 years) and bearish technical trend further reinforce a high-risk profile.

Strengths
Positive Gross Margin (63.96%)
Low Price-to-Sales ratio (0.43)
Slight positive YoY revenue growth (2.70%)
Risks
Negative Equity (Price/Book: -0.25) indicating potential insolvency
Severe liquidity risk (Current Ratio: 0.18)
Deeply negative operating and profit margins
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

JF vs MA: Head-to-Head Comparison

This page compares J and Friends Holdings Limited (JF) 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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