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MA vs MSIF

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MSIF
MSC Income Fund, Inc.
NEUTRAL
Price
$12.54
Market Cap
$588.3M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
MSIF
6.57
Forward P/E
MA
22.05
MSIF
8.3
P/B Ratio
MA
57.74
MSIF
0.79
P/S Ratio
MA
13.6
MSIF
4.23
EV/EBITDA
MA
22.13
MSIF
--

Profitability

Gross Margin
MA
100.0%
MSIF
100.0%
Operating Margin
MA
57.73%
MSIF
65.17%
Profit Margin
MA
45.65%
MSIF
63.76%
ROE
MA
209.91%
MSIF
13.01%
ROA
MA
23.72%
MSIF
4.77%

Growth

Revenue Growth
MA
17.6%
MSIF
4.4%
Earnings Growth
MA
24.2%
MSIF
25.8%

Financial Health

Debt/Equity
MA
2.56
MSIF
0.82
Current Ratio
MA
1.03
MSIF
1.23
Quick Ratio
MA
0.68
MSIF
0.95

Dividends

Dividend Yield
MA
0.7%
MSIF
11.16%
Payout Ratio
MA
18.4%
MSIF
75.39%

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
MSIF NEUTRAL

MSIF presents a classic 'value trap' profile, characterized by a critically weak Piotroski F-Score of 2/9 and a completely bearish technical trend (0/100). While the stock trades at a deep discount to its Graham Number ($26.1) and Intrinsic Value ($56.34), the deteriorating fundamental health and consistent earnings misses suggest significant underlying risk. The high dividend yield of 11.16% is attractive but may be unsustainable if the operational decline continues. Overall, the massive valuation gap is offset by poor financial health and negative price momentum.

Strengths
Deep value valuation with P/E of 6.57 and P/B of 0.79
Very high dividend yield of 11.16%
Strong profit margins (63.76%) and operating margins (65.17%)
Risks
Critically low Piotroski F-Score (2/9) indicating poor financial health
Severe bearish technical trend (0/100)
Poor earnings track record with only 1 beat in the last 4 quarters

Compare Another Pair

MA vs MSIF: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and MSC Income Fund, Inc. (MSIF) 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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