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MA vs MFIN

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MFIN
Medallion Financial Corp.
BULLISH
Price
$9.41
Market Cap
$221.4M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
MFIN
5.32
Forward P/E
MA
22.05
MFIN
6.36
P/B Ratio
MA
57.74
MFIN
0.52
P/S Ratio
MA
13.6
MFIN
0.63
EV/EBITDA
MA
22.13
MFIN
13.47

Profitability

Gross Margin
MA
100.0%
MFIN
74.58%
Operating Margin
MA
57.73%
MFIN
47.96%
Profit Margin
MA
45.65%
MFIN
12.18%
ROE
MA
209.91%
MFIN
11.69%
ROA
MA
23.72%
MFIN
3.83%

Growth

Revenue Growth
MA
17.6%
MFIN
18.6%
Earnings Growth
MA
24.2%
MFIN
16.2%

Financial Health

Debt/Equity
MA
2.56
MFIN
4.73
Current Ratio
MA
1.03
MFIN
21.82
Quick Ratio
MA
0.68
MFIN
1.8

Dividends

Dividend Yield
MA
0.7%
MFIN
5.1%
Payout Ratio
MA
18.4%
MFIN
26.4%

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
MFIN BULLISH

MFIN presents a classic deep-value opportunity, trading significantly below its Graham Number ($26.86) and Intrinsic Value ($52.22). While the Piotroski F-Score of 4/9 indicates only stable financial health and the Debt/Equity ratio is high at 4.73, the company demonstrates strong profitability and a consistent track record of earnings beats. The extreme disconnect between the current price ($9.41) and fundamental value metrics suggests a significant margin of safety, provided the high leverage is managed. Technicals remain bearish, but the fundamental growth and valuation profile are compelling.

Strengths
Extreme valuation discount with P/E of 5.32 and P/B of 0.52
Strong earnings track record with 3/4 recent beats and high average surprise (28.54%)
Sustainable dividend profile with 5.10% yield and low 26.40% payout ratio
Risks
High financial leverage with a Debt/Equity ratio of 4.73
Bearish technical trend (0/100) suggesting lack of market momentum
Low insider sentiment (40/100) and lack of recent buying activity

Compare Another Pair

MA vs MFIN: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Medallion Financial Corp. (MFIN) 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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