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MA vs MTB

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MTB
M&T Bank Corporation
NEUTRAL
Price
$215.54
Market Cap
$32.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
MTB
12.11
Forward P/E
MA
22.05
MTB
10.32
P/B Ratio
MA
57.74
MTB
1.24
P/S Ratio
MA
13.6
MTB
3.44
EV/EBITDA
MA
22.13
MTB
--

Profitability

Gross Margin
MA
100.0%
MTB
0.0%
Operating Margin
MA
57.73%
MTB
38.9%
Profit Margin
MA
45.65%
MTB
31.48%
ROE
MA
209.91%
MTB
10.29%
ROA
MA
23.72%
MTB
1.38%

Growth

Revenue Growth
MA
17.6%
MTB
5.7%
Earnings Growth
MA
24.2%
MTB
24.4%

Financial Health

Debt/Equity
MA
2.56
MTB
--
Current Ratio
MA
1.03
MTB
--
Quick Ratio
MA
0.68
MTB
--

Dividends

Dividend Yield
MA
0.7%
MTB
2.78%
Payout Ratio
MA
18.4%
MTB
32.85%

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
MTB NEUTRAL

MTB presents a stark contrast between deep value and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades significantly below its Graham Number ($263.85) and Intrinsic Value ($525.1), the low health score and bearish insider sentiment suggest underlying operational risks. Strong YoY earnings growth of 24.4% and a sustainable dividend payout provide a floor, but the technical trend and insider selling indicate a lack of immediate conviction. The overall outlook is neutral as the valuation discount is offset by fundamental health concerns.

Strengths
Significant undervaluation relative to Graham Number ($263.85) and Intrinsic Value ($525.1)
Strong YoY earnings growth of 24.4%
Sustainable dividend profile with a low payout ratio of 32.85%
Risks
Critical fundamental weakness indicated by a Piotroski F-Score of 2/9
Bearish insider activity with 5 sell transactions and 0 buys in the last 6 months
Bearish technical trend (0/100 score)

Compare Another Pair

MA vs MTB: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and M&T Bank Corporation (MTB) 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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