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MA vs NBHC

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NBHC
National Bank Holdings Corporation
NEUTRAL
Price
$42.22
Market Cap
$1.89B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
NBHC
15.75
Forward P/E
MA
22.05
NBHC
10.23
P/B Ratio
MA
57.74
NBHC
1.15
P/S Ratio
MA
13.6
NBHC
4.4
EV/EBITDA
MA
22.13
NBHC
--

Profitability

Gross Margin
MA
100.0%
NBHC
0.0%
Operating Margin
MA
57.73%
NBHC
23.14%
Profit Margin
MA
45.65%
NBHC
24.73%
ROE
MA
209.91%
NBHC
7.09%
ROA
MA
23.72%
NBHC
0.94%

Growth

Revenue Growth
MA
17.6%
NBHC
33.7%
Earnings Growth
MA
24.2%
NBHC
-27.0%

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
NBHC
3.03%
Payout Ratio
MA
18.4%
NBHC
45.9%

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
NBHC NEUTRAL

NBHC presents a contradictory profile characterized by a very weak Piotroski F-Score of 2/9, indicating significant deterioration in fundamental financial health. While the stock trades below its Graham Number ($47.02), suggesting defensive value, it is priced far above its growth-based intrinsic value ($18.76). Strong top-line revenue growth (33.7%) is currently offset by a sharp decline in earnings growth (-27%), creating a divergence between scale and profitability. Despite bullish analyst targets, the combination of poor health scores, bearish insider sentiment, and negative earnings momentum warrants a cautious approach.

Strengths
Trades below the Graham Number ($47.02), providing a defensive valuation floor
Strong year-over-year revenue growth of 33.70%
Attractive and sustainable dividend profile with a 45.90% payout ratio
Risks
Critical financial health warning indicated by a Piotroski F-Score of 2/9
Significant earnings contraction with YoY growth at -27.00%
Bearish insider activity with net selling in the last 6 months

Compare Another Pair

MA vs NBHC: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and National Bank Holdings Corporation (NBHC) 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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