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MA vs MRCC

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MRCC
Monroe Capital Corporation
BEARISH
Price
$5.08
Market Cap
$110.1M
Sector
Financial Services
AI Confidence
95%

Valuation

P/E Ratio
MA
30.28
MRCC
--
Forward P/E
MA
22.05
MRCC
18.81
P/B Ratio
MA
57.74
MRCC
0.66
P/S Ratio
MA
13.6
MRCC
2.91
EV/EBITDA
MA
22.13
MRCC
--

Profitability

Gross Margin
MA
100.0%
MRCC
100.0%
Operating Margin
MA
57.73%
MRCC
69.02%
Profit Margin
MA
45.65%
MRCC
-13.52%
ROE
MA
209.91%
MRCC
-2.86%
ROA
MA
23.72%
MRCC
3.98%

Growth

Revenue Growth
MA
17.6%
MRCC
-41.8%
Earnings Growth
MA
24.2%
MRCC
--

Financial Health

Debt/Equity
MA
2.56
MRCC
1.15
Current Ratio
MA
1.03
MRCC
1.64
Quick Ratio
MA
0.68
MRCC
1.64

Dividends

Dividend Yield
MA
0.7%
MRCC
15.43%
Payout Ratio
MA
18.4%
MRCC
1111.11%

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
MRCC BEARISH

MRCC exhibits severe financial distress, highlighted by a weak Piotroski F-Score of 2/9 and a catastrophic dividend payout ratio of 1111.11%. While the stock trades at a significant discount to book value (P/B 0.66), this is a classic value trap given the negative ROE (-2.86%) and a massive YoY revenue decline of 41.80%. The combination of negative profit margins and a 0/100 technical trend suggests a continuing downward trajectory with high risk of dividend cuts.

Strengths
Trading at a significant discount to book value (P/B 0.66)
Positive Return on Assets (ROA 3.98%) despite negative ROE
High nominal dividend yield (15.43%) for high-risk income seekers
Risks
Mathematically unsustainable dividend payout ratio (1111.11%)
Severe revenue contraction (-41.80% YoY)
Weak financial health as evidenced by Piotroski F-Score of 2/9

Compare Another Pair

MA vs MRCC: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Monroe Capital Corporation (MRCC) 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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