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MA vs MPA

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MPA
BlackRock MuniYield Pennsylvania Quality Fund
BEARISH
Price
$11.24
Market Cap
$145.6M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MPA
34.06
Forward P/E
MA
22.05
MPA
--
P/B Ratio
MA
57.74
MPA
0.91
P/S Ratio
MA
13.6
MPA
12.82
EV/EBITDA
MA
22.13
MPA
--

Profitability

Gross Margin
MA
100.0%
MPA
100.0%
Operating Margin
MA
57.73%
MPA
84.42%
Profit Margin
MA
45.65%
MPA
38.67%
ROE
MA
209.91%
MPA
2.69%
ROA
MA
23.72%
MPA
2.25%

Growth

Revenue Growth
MA
17.6%
MPA
3.6%
Earnings Growth
MA
24.2%
MPA
545.9%

Financial Health

Debt/Equity
MA
2.56
MPA
0.63
Current Ratio
MA
1.03
MPA
0.14
Quick Ratio
MA
0.68
MPA
0.14

Dividends

Dividend Yield
MA
0.7%
MPA
5.09%
Payout Ratio
MA
18.4%
MPA
223.36%

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
MPA BEARISH

MPA exhibits a stable Piotroski F-Score of 6/9, but this is overshadowed by severe valuation and dividend sustainability issues. The stock is trading at $11.24, significantly above its Graham Number ($9.59) and Intrinsic Value ($9.74), indicating it is overvalued. Most critically, a payout ratio of 223.36% suggests the dividend is unsustainable and likely funded by capital erosion or leverage. Combined with a bearish technical trend (0/100) and a very low current ratio (0.14), the risk profile is high.

Strengths
Stable Piotroski F-Score (6/9)
Trading at a discount to book value (P/B 0.91)
Strong operating margins (84.42%)
Risks
Unsustainable dividend payout ratio (223.36%)
Severe liquidity risk indicated by Current Ratio of 0.14
Trading at a premium to both Graham and Intrinsic value

Compare Another Pair

MA vs MPA: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and BlackRock MuniYield Pennsylvania Quality Fund (MPA) 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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