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KRNY vs MA

KRNY
Kearny Financial Corp.
NEUTRAL
Price
$8.03
Market Cap
$504.9M
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
KRNY
15.44
MA
30.28
Forward P/E
KRNY
9.34
MA
22.05
P/B Ratio
KRNY
0.67
MA
57.74
P/S Ratio
KRNY
3.1
MA
13.6
EV/EBITDA
KRNY
--
MA
22.13

Profitability

Gross Margin
KRNY
0.0%
MA
100.0%
Operating Margin
KRNY
31.14%
MA
57.73%
Profit Margin
KRNY
19.84%
MA
45.65%
ROE
KRNY
4.31%
MA
209.91%
ROA
KRNY
0.42%
MA
23.72%

Growth

Revenue Growth
KRNY
15.0%
MA
17.6%
Earnings Growth
KRNY
50.0%
MA
24.2%

Financial Health

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

Dividends

Dividend Yield
KRNY
5.48%
MA
0.7%
Payout Ratio
KRNY
84.62%
MA
18.4%

AI Verdict

KRNY NEUTRAL

KRNY presents a classic value-trap profile, characterized by a stable Piotroski F-Score of 4/9 and a significant discount to both its Graham Number ($11.87) and Intrinsic Value ($15.34). While the stock trades at a deep discount to book value (P/B 0.67) and shows strong YoY earnings growth of 50%, these fundamentals are offset by poor capital efficiency (ROE 4.31%) and a bearish technical trend. The high dividend payout ratio of 84.62% suggests limited room for dividend growth and potential sustainability risks if earnings volatility increases.

Strengths
Deep value valuation with P/B ratio of 0.67
Trading significantly below Graham Number ($11.87) and Intrinsic Value ($15.34)
Strong YoY earnings growth of 50.00%
Risks
Very low Return on Equity (ROE) of 4.31% indicating poor capital efficiency
High dividend payout ratio (84.62%) limiting reinvestment and safety
Bearish insider sentiment with recent selling activity
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

KRNY vs MA: Head-to-Head Comparison

This page compares Kearny Financial Corp. (KRNY) 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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