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MA vs MCR

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MCR
MFS Charter Income Trust
NEUTRAL
Price
$5.99
Market Cap
$249.7M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MCR
14.26
Forward P/E
MA
22.05
MCR
28.52
P/B Ratio
MA
57.74
MCR
0.89
P/S Ratio
MA
13.6
MCR
11.18
EV/EBITDA
MA
22.13
MCR
--

Profitability

Gross Margin
MA
100.0%
MCR
100.0%
Operating Margin
MA
57.73%
MCR
90.03%
Profit Margin
MA
45.65%
MCR
78.58%
ROE
MA
209.91%
MCR
6.18%
ROA
MA
23.72%
MCR
3.3%

Growth

Revenue Growth
MA
17.6%
MCR
-0.1%
Earnings Growth
MA
24.2%
MCR
-4.2%

Financial Health

Debt/Equity
MA
2.56
MCR
0.34
Current Ratio
MA
1.03
MCR
0.06
Quick Ratio
MA
0.68
MCR
0.06

Dividends

Dividend Yield
MA
0.7%
MCR
8.96%
Payout Ratio
MA
18.4%
MCR
128.1%

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
MCR NEUTRAL

MCR presents a complex profile with a stable Piotroski F-Score of 6/9 and a current price ($5.99) trading below its Graham Number ($7.99) and Book Value (P/B 0.89). However, the fundamental outlook is clouded by negative earnings growth (-4.20% YoY) and a concerning forward P/E of 28.52, which suggests a significant expected decline in future earnings. Most critically, the dividend payout ratio of 128.10% is unsustainable, indicating the trust is returning more capital than it generates. While the asset base provides a valuation floor, the lack of growth and dividend instability prevent a bullish rating.

Strengths
Trading at a discount to book value (P/B 0.89)
Price is currently below the Graham Number defensive fair value
Stable financial health as indicated by a Piotroski F-Score of 6/9
Risks
Unsustainable dividend payout ratio (128.10%)
Negative earnings growth trend (-4.20% YoY, -4.40% Q/Q)
Forward P/E (28.52) is double the current P/E, signaling earnings decay

Compare Another Pair

MA vs MCR: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and MFS Charter Income Trust (MCR) 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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