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MA vs MCI

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MCI
Barings Corporate Investors
BEARISH
Price
$17.50
Market Cap
$359.7M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MCI
12.77
Forward P/E
MA
22.05
MCI
--
P/B Ratio
MA
57.74
MCI
1.05
P/S Ratio
MA
13.6
MCI
9.89
EV/EBITDA
MA
22.13
MCI
--

Profitability

Gross Margin
MA
100.0%
MCI
100.0%
Operating Margin
MA
57.73%
MCI
84.27%
Profit Margin
MA
45.65%
MCI
77.18%
ROE
MA
209.91%
MCI
8.19%
ROA
MA
23.72%
MCI
4.57%

Growth

Revenue Growth
MA
17.6%
MCI
-20.7%
Earnings Growth
MA
24.2%
MCI
-21.4%

Financial Health

Debt/Equity
MA
2.56
MCI
0.22
Current Ratio
MA
1.03
MCI
2.52
Quick Ratio
MA
0.68
MCI
2.52

Dividends

Dividend Yield
MA
0.7%
MCI
9.14%
Payout Ratio
MA
18.4%
MCI
116.79%

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
MCI BEARISH

MCI presents a contradictory profile with a stable Piotroski F-Score of 6/9 and a Graham Number of $22.64, yet it is plagued by severe fundamental decay. While the balance sheet remains healthy with low debt (D/E 0.22), the company is experiencing a sharp contraction in both revenue (-20.70%) and earnings (-21.40%). Most critically, the 9.14% dividend is unsustainable with a payout ratio of 116.79%, indicating the company is returning more capital than it generates. The combination of negative growth and a 0/100 technical trend suggests a value trap scenario.

Strengths
Strong liquidity with a Current Ratio of 2.52
Very low leverage (Debt/Equity of 0.22)
High operating margins (84.27%)
Risks
Unsustainable dividend payout ratio (116.79%)
Significant YoY revenue decline (-20.70%)
Sharp earnings contraction (-21.40%)

Compare Another Pair

MA vs MCI: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Barings Corporate Investors (MCI) 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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