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MA vs MFC

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MFC
Manulife Financial Corporation
NEUTRAL
Price
$38.17
Market Cap
$63.83B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MFC
16.96
Forward P/E
MA
22.05
MFC
10.5
P/B Ratio
MA
57.74
MFC
1.84
P/S Ratio
MA
13.6
MFC
2.06
EV/EBITDA
MA
22.13
MFC
6.6

Profitability

Gross Margin
MA
100.0%
MFC
49.3%
Operating Margin
MA
57.73%
MFC
133.47%
Profit Margin
MA
45.65%
MFC
18.67%
ROE
MA
209.91%
MFC
11.49%
ROA
MA
23.72%
MFC
0.54%

Growth

Revenue Growth
MA
17.6%
MFC
-34.9%
Earnings Growth
MA
24.2%
MFC
-6.1%

Financial Health

Debt/Equity
MA
2.56
MFC
0.48
Current Ratio
MA
1.03
MFC
4.74
Quick Ratio
MA
0.68
MFC
1.55

Dividends

Dividend Yield
MA
0.7%
MFC
3.44%
Payout Ratio
MA
18.4%
MFC
57.33%

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
MFC NEUTRAL

MFC presents a complex profile with a stable Piotroski F-Score of 4/9 and no Altman Z-Score available for distress analysis. While the stock shows strong long-term price appreciation and a highly attractive PEG ratio (0.78), it is currently trading at a premium to both its Graham Number ($32.43) and Intrinsic Value ($15.75). The severe YoY revenue decline (-34.90%) is a significant concern, though it is offset by a massive Q/Q recovery (+103.98%) and a sustainable dividend profile.

Strengths
Attractive PEG ratio (0.78) suggesting undervaluation relative to growth
Strong liquidity position with a Current Ratio of 4.74
Low Debt/Equity ratio (0.48) compared to sector averages
Risks
Significant YoY revenue contraction of -34.90%
Current price ($38.17) exceeds the Graham Number and Analyst Target Price ($34.75)
Bearish technical trend score (10/100) despite recent short-term gains

Compare Another Pair

MA vs MFC: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Manulife Financial Corporation (MFC) 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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