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MA vs MCY

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MCY
Mercury General Corporation
BULLISH
Price
$95.65
Market Cap
$5.3B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MCY
9.79
Forward P/E
MA
22.05
MCY
11.96
P/B Ratio
MA
57.74
MCY
2.19
P/S Ratio
MA
13.6
MCY
0.88
EV/EBITDA
MA
22.13
MCY
5.54

Profitability

Gross Margin
MA
100.0%
MCY
18.63%
Operating Margin
MA
57.73%
MCY
16.66%
Profit Margin
MA
45.65%
MCY
9.03%
ROE
MA
209.91%
MCY
24.8%
ROA
MA
23.72%
MCY
4.82%

Growth

Revenue Growth
MA
17.6%
MCY
14.1%
Earnings Growth
MA
24.2%
MCY
100.9%

Financial Health

Debt/Equity
MA
2.56
MCY
0.24
Current Ratio
MA
1.03
MCY
0.56
Quick Ratio
MA
0.68
MCY
0.52

Dividends

Dividend Yield
MA
0.7%
MCY
1.33%
Payout Ratio
MA
18.4%
MCY
13.0%

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
MCY BULLISH

MCY exhibits a strong recovery profile, transitioning from significant losses in 2022-2023 to explosive earnings growth (100.9% YoY). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, the company's valuation is highly attractive, trading almost exactly at its Graham Number ($97.95) and significantly below its growth-based intrinsic value ($288.21). Strong ROE (24.8%) and a low P/E ratio (9.79) suggest the market has not yet fully priced in the recent earnings acceleration.

Strengths
Explosive earnings growth (100.9% YoY) and consistent earnings beats
Attractive valuation with a P/E of 9.79 and P/S of 0.88
Strong Return on Equity (ROE) of 24.80%
Risks
Low current ratio (0.56) indicating potential short-term liquidity pressure
Low dividend strength (25/100) and yield (1.33%)
High volatility in historical quarterly earnings (swinging from losses to massive gains)

Compare Another Pair

MA vs MCY: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Mercury General Corporation (MCY) 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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