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MA vs MORN

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MORN
Morningstar, Inc.
BEARISH
Price
$172.21
Market Cap
$6.82B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MORN
19.41
Forward P/E
MA
22.05
MORN
13.28
P/B Ratio
MA
57.74
MORN
5.6
P/S Ratio
MA
13.6
MORN
2.79
EV/EBITDA
MA
22.13
MORN
12.72

Profitability

Gross Margin
MA
100.0%
MORN
61.03%
Operating Margin
MA
57.73%
MORN
21.71%
Profit Margin
MA
45.65%
MORN
15.3%
ROE
MA
209.91%
MORN
26.35%
ROA
MA
23.72%
MORN
8.86%

Growth

Revenue Growth
MA
17.6%
MORN
8.5%
Earnings Growth
MA
24.2%
MORN
4.5%

Financial Health

Debt/Equity
MA
2.56
MORN
1.03
Current Ratio
MA
1.03
MORN
0.98
Quick Ratio
MA
0.68
MORN
0.89

Dividends

Dividend Yield
MA
0.7%
MORN
1.16%
Payout Ratio
MA
18.4%
MORN
21.03%

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
MORN BEARISH

MORN presents a stable but mediocre Piotroski F-Score of 4/9 and lacks a provided Altman Z-Score, indicating a neutral health baseline. The stock is trading at a significant premium to both its Graham Number ($78.33) and Intrinsic Value ($121.96), suggesting substantial overvaluation. This fundamental gap is compounded by a completely bearish technical trend (0/100) and aggressive insider selling totaling over $25M. While the company maintains a strong ROE of 26.35%, the combination of negative price momentum and poor insider sentiment outweighs the optimistic analyst target prices.

Strengths
Strong Return on Equity (ROE) of 26.35%
High Gross Margins (61.03%) and Operating Margins (21.71%)
Consistent earnings beat track record (3 of last 4 quarters)
Risks
Significant overvaluation relative to Graham and Intrinsic value models
Strongly bearish insider activity (14 sells, 0 buys)
Severe negative price momentum (-38.6% 1Y change)

Compare Another Pair

MA vs MORN: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Morningstar, Inc. (MORN) 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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