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MA vs MFM

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MFM
MFS Municipal Income Trust
BEARISH
Price
$5.35
Market Cap
$220.4M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MFM
41.15
Forward P/E
MA
22.05
MFM
--
P/B Ratio
MA
57.74
MFM
0.89
P/S Ratio
MA
13.6
MFM
12.7
EV/EBITDA
MA
22.13
MFM
--

Profitability

Gross Margin
MA
100.0%
MFM
100.0%
Operating Margin
MA
57.73%
MFM
85.6%
Profit Margin
MA
45.65%
MFM
32.66%
ROE
MA
209.91%
MFM
2.26%
ROA
MA
23.72%
MFM
2.53%

Growth

Revenue Growth
MA
17.6%
MFM
1.4%
Earnings Growth
MA
24.2%
MFM
-14.6%

Financial Health

Debt/Equity
MA
2.56
MFM
0.46
Current Ratio
MA
1.03
MFM
0.05
Quick Ratio
MA
0.68
MFM
0.05

Dividends

Dividend Yield
MA
0.7%
MFM
5.35%
Payout Ratio
MA
18.4%
MFM
210.38%

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
MFM BEARISH

MFM exhibits a stable Piotroski F-Score of 6/9, but this operational stability is overshadowed by severe valuation and sustainability concerns. The current price of $5.35 trades at a significant premium to both the Graham Number ($4.20) and the Intrinsic Value ($0.91). Most critically, the dividend payout ratio of 210.38% indicates that the current yield is unsustainable and not supported by earnings, which have declined by 14.60% YoY. Combined with a bearish technical trend and a high P/E of 41.15, the asset appears overvalued relative to its fundamental growth profile.

Strengths
Stable Piotroski F-Score (6/9)
Trading at a discount to book value (P/B 0.89)
Strong operating margins (85.60%)
Risks
Unsustainable dividend payout ratio (210.38%)
Negative earnings growth (-14.60% YoY)
Significant overvaluation relative to Intrinsic Value ($0.91)

Compare Another Pair

MA vs MFM: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and MFS Municipal Income Trust (MFM) 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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