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MA vs MMD

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MMD
NYLI MacKay DefinedTerm Muni Opportunities Fund
BEARISH
Price
$14.88
Market Cap
$279.4M
Sector
Financial Services
AI Confidence
90%

Valuation

P/E Ratio
MA
30.28
MMD
148.8
Forward P/E
MA
22.05
MMD
--
P/B Ratio
MA
57.74
MMD
0.91
P/S Ratio
MA
13.6
MMD
12.24
EV/EBITDA
MA
22.13
MMD
--

Profitability

Gross Margin
MA
100.0%
MMD
100.0%
Operating Margin
MA
57.73%
MMD
85.8%
Profit Margin
MA
45.65%
MMD
8.17%
ROE
MA
209.91%
MMD
0.59%
ROA
MA
23.72%
MMD
2.48%

Growth

Revenue Growth
MA
17.6%
MMD
-15.0%
Earnings Growth
MA
24.2%
MMD
5.4%

Financial Health

Debt/Equity
MA
2.56
MMD
0.52
Current Ratio
MA
1.03
MMD
2.15
Quick Ratio
MA
0.68
MMD
2.15

Dividends

Dividend Yield
MA
0.7%
MMD
5.44%
Payout Ratio
MA
18.4%
MMD
720.0%

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
MMD BEARISH

MMD presents a high-risk profile characterized by a stable Piotroski F-Score of 5/9 but severe valuation disconnects. The current price of $14.88 trades at a massive premium to both the Graham Number ($6.08) and the Intrinsic Value ($1.51). Financial stability is undermined by a catastrophic dividend payout ratio of 720%, indicating that distributions are not supported by earnings. Combined with negative revenue growth (-15%) and a bearish technical trend (0/100), the fund appears fundamentally overvalued.

Strengths
Price-to-Book ratio of 0.91 suggests the asset is trading near its accounting value
Current and Quick ratios of 2.15 indicate strong short-term liquidity
Piotroski F-Score of 5/9 indicates stable financial health
Risks
Extreme overvaluation relative to Graham Number and Intrinsic Value
Unsustainable dividend payout ratio of 720%
Significant revenue contraction of -15.00% YoY

Compare Another Pair

MA vs MMD: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and NYLI MacKay DefinedTerm Muni Opportunities Fund (MMD) 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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