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MA vs MBI

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MBI
MBIA Inc.
BEARISH
Price
$5.86
Market Cap
$298.5M
Sector
Financial Services
AI Confidence
95%

Valuation

P/E Ratio
MA
30.28
MBI
--
Forward P/E
MA
22.05
MBI
-14.29
P/B Ratio
MA
57.74
MBI
-0.13
P/S Ratio
MA
13.6
MBI
3.08
EV/EBITDA
MA
22.13
MBI
--

Profitability

Gross Margin
MA
100.0%
MBI
116.49%
Operating Margin
MA
57.73%
MBI
-20.0%
Profit Margin
MA
45.65%
MBI
-182.47%
ROE
MA
209.91%
MBI
--
ROA
MA
23.72%
MBI
0.99%

Growth

Revenue Growth
MA
17.6%
MBI
15.4%
Earnings Growth
MA
24.2%
MBI
--

Financial Health

Debt/Equity
MA
2.56
MBI
--
Current Ratio
MA
1.03
MBI
2.77
Quick Ratio
MA
0.68
MBI
2.68

Dividends

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

AI Verdict

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
MBI BEARISH

MBI exhibits critical financial instability, anchored by a weak Piotroski F-Score of 2/9 and a negative Price-to-Book ratio of -0.13, indicating negative shareholder equity. While the company shows modest year-over-year revenue growth of 15.4%, this is completely offset by a disastrous profit margin of -182.47% and extreme earnings volatility. The lack of a Graham Number or Altman Z-Score, combined with a bearish technical trend (0/100), suggests a high-risk speculative profile. Fundamental health is severely compromised despite a superficial current ratio of 2.77.

Strengths
Positive Year-over-Year revenue growth of 15.40%
Current Ratio of 2.77 suggests adequate short-term liquidity
Current price ($5.86) trades below the analyst target price of $7.25
Risks
Negative Shareholder Equity as evidenced by Price/Book of -0.13
Severe lack of profitability with a Profit Margin of -182.47%
Critical financial health indicated by a Piotroski F-Score of 2/9

Compare Another Pair

MA vs MBI: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and MBIA Inc. (MBI) 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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