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MA vs MGYR

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MGYR
Magyar Bancorp, Inc.
BULLISH
Price
$17.76
Market Cap
$115.0M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
MGYR
10.26
Forward P/E
MA
22.05
MGYR
--
P/B Ratio
MA
57.74
MGYR
0.94
P/S Ratio
MA
13.6
MGYR
3.15
EV/EBITDA
MA
22.13
MGYR
--

Profitability

Gross Margin
MA
100.0%
MGYR
0.0%
Operating Margin
MA
57.73%
MGYR
45.6%
Profit Margin
MA
45.65%
MGYR
29.59%
ROE
MA
209.91%
MGYR
9.26%
ROA
MA
23.72%
MGYR
1.05%

Growth

Revenue Growth
MA
17.6%
MGYR
16.1%
Earnings Growth
MA
24.2%
MGYR
51.5%

Financial Health

Debt/Equity
MA
2.56
MGYR
--
Current Ratio
MA
1.03
MGYR
--
Quick Ratio
MA
0.68
MGYR
--

Dividends

Dividend Yield
MA
0.7%
MGYR
2.25%
Payout Ratio
MA
18.4%
MGYR
16.18%

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
MGYR BULLISH

MGYR presents a classic deep-value opportunity, characterized by a Piotroski F-Score of 4/9 (Stable) and a current price ($17.76) trading significantly below both its Graham Number ($27.05) and Intrinsic Value ($51.03). The company exhibits strong fundamental growth with YoY earnings increasing by 51.50% and a Price-to-Book ratio of 0.94, indicating the stock is trading below its liquidation value. However, this value is tempered by a bearish technical trend and a poor earnings track record, having missed estimates in four consecutive quarters. Overall, the massive valuation discount outweighs the operational inconsistencies.

Strengths
Trading below book value (P/B 0.94)
Significant undervaluation relative to Graham Number ($27.05) and Intrinsic Value ($51.03)
Strong earnings growth (YoY +51.50%)
Risks
Consistent failure to meet earnings estimates (0/4 beats)
Bearish technical trend (0/100 score)
Low Piotroski F-Score (4/9) suggests only mediocre financial health

Compare Another Pair

MA vs MGYR: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Magyar Bancorp, Inc. (MGYR) 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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