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MA vs MUJ

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
MUJ
BlackRock MuniHoldings New Jersey Quality Fund, Inc.
NEUTRAL
Price
$12.12
Market Cap
$644.6M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
MUJ
26.35
Forward P/E
MA
22.05
MUJ
--
P/B Ratio
MA
57.74
MUJ
0.96
P/S Ratio
MA
13.6
MUJ
13.09
EV/EBITDA
MA
22.13
MUJ
--

Profitability

Gross Margin
MA
100.0%
MUJ
100.0%
Operating Margin
MA
57.73%
MUJ
81.06%
Profit Margin
MA
45.65%
MUJ
50.15%
ROE
MA
209.91%
MUJ
3.65%
ROA
MA
23.72%
MUJ
2.23%

Growth

Revenue Growth
MA
17.6%
MUJ
2.0%
Earnings Growth
MA
24.2%
MUJ
1495.9%

Financial Health

Debt/Equity
MA
2.56
MUJ
0.65
Current Ratio
MA
1.03
MUJ
0.33
Quick Ratio
MA
0.68
MUJ
0.32

Dividends

Dividend Yield
MA
0.7%
MUJ
5.35%
Payout Ratio
MA
18.4%
MUJ
140.87%

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
MUJ NEUTRAL

MUJ exhibits a stable financial foundation with a Piotroski F-Score of 6/9, though it lacks an Altman Z-Score due to its structure as a closed-end fund. The current price of $12.12 sits comfortably between the Graham Number ($11.43) and the Intrinsic Value ($13.57), suggesting fair valuation. However, the fund faces a critical sustainability issue with a dividend payout ratio of 140.87%, indicating it is returning more capital than it earns. While recent 1-year price performance is positive, stagnant revenue growth and a bearish technical trend offset the stability of its book value.

Strengths
Trading slightly below book value (P/B 0.96)
Stable Piotroski F-Score of 6/9
Strong operating margins (81.07%) typical of asset management
Risks
Unsustainable dividend payout ratio (140.87%)
Very low current ratio (0.33) indicating tight liquidity
Stagnant revenue growth (2.00% YoY)

Compare Another Pair

MA vs MUJ: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and BlackRock MuniHoldings New Jersey Quality Fund, Inc. (MUJ) 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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