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MA vs MHF

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MHF
Western Asset Municipal High Income Fund Inc.
BEARISH
Price
$6.81
Market Cap
$151.2M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MHF
37.83
Forward P/E
MA
22.05
MHF
--
P/B Ratio
MA
57.74
MHF
0.97
P/S Ratio
MA
13.6
MHF
22.74
EV/EBITDA
MA
22.13
MHF
--

Profitability

Gross Margin
MA
100.0%
MHF
100.0%
Operating Margin
MA
57.73%
MHF
81.14%
Profit Margin
MA
45.65%
MHF
55.39%
ROE
MA
209.91%
MHF
2.36%
ROA
MA
23.72%
MHF
2.12%

Growth

Revenue Growth
MA
17.6%
MHF
-1.7%
Earnings Growth
MA
24.2%
MHF
15.3%

Financial Health

Debt/Equity
MA
2.56
MHF
0.02
Current Ratio
MA
1.03
MHF
2.71
Quick Ratio
MA
0.68
MHF
2.4

Dividends

Dividend Yield
MA
0.7%
MHF
5.99%
Payout Ratio
MA
18.4%
MHF
226.67%

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
MHF BEARISH

MHF presents a stable but deteriorating profile, characterized by a Piotroski F-Score of 6/9 (Stable) but severely undermined by valuation and dividend sustainability. The stock is trading at $6.81, a significant premium to its Graham Number ($5.32) and Intrinsic Value ($5.31). Most critically, the dividend payout ratio of 226.67% indicates that the current yield is unsustainable and likely funded by capital or debt rather than earnings. Combined with a 0/100 technical trend and negative revenue growth, the fund appears overvalued and fundamentally fragile.

Strengths
Stable Piotroski F-Score of 6/9
Very low Debt/Equity ratio (0.02)
Strong liquidity with a Current Ratio of 2.71
Risks
Unsustainable dividend payout ratio (226.67%)
Trading at a ~28% premium to Graham Number fair value
Negative year-over-year revenue growth (-1.70%)

Compare Another Pair

MA vs MHF: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Western Asset Municipal High Income Fund Inc. (MHF) 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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