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MA vs NCPL

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NCPL
Netcapital Inc.
BEARISH
Price
$0.42
Market Cap
$3.3M
Sector
Financial Services
AI Confidence
95%

Valuation

P/E Ratio
MA
30.28
NCPL
--
Forward P/E
MA
22.05
NCPL
-0.36
P/B Ratio
MA
57.74
NCPL
0.13
P/S Ratio
MA
13.6
NCPL
4.47
EV/EBITDA
MA
22.13
NCPL
-0.53

Profitability

Gross Margin
MA
100.0%
NCPL
98.07%
Operating Margin
MA
57.73%
NCPL
-2362.17%
Profit Margin
MA
45.65%
NCPL
0.0%
ROE
MA
209.91%
NCPL
-99.45%
ROA
MA
23.72%
NCPL
-18.16%

Growth

Revenue Growth
MA
17.6%
NCPL
-38.2%
Earnings Growth
MA
24.2%
NCPL
--

Financial Health

Debt/Equity
MA
2.56
NCPL
0.11
Current Ratio
MA
1.03
NCPL
0.26
Quick Ratio
MA
0.68
NCPL
0.18

Dividends

Dividend Yield
MA
0.7%
NCPL
--
Payout Ratio
MA
18.4%
NCPL
0.0%

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
NCPL BEARISH

NCPL exhibits critical financial distress, highlighted by a Piotroski F-Score of 1/9, indicating severe fundamental weakness. The company is facing a liquidity crisis with a Current Ratio of 0.26 and a Quick Ratio of 0.18, suggesting an inability to meet short-term obligations. Catastrophic operating margins (-2362.17%) and a sharp decline in year-over-year revenue (-38.20%) point to a failing business model. With a 52-week price collapse from $8.75 to $0.42, the stock is in a technical death spiral with no visible catalyst for recovery.

Strengths
High Gross Margin (98.07%) indicating low direct cost of services
Low Debt/Equity ratio (0.11) suggesting minimal long-term debt burden
Low Price-to-Book ratio (0.13) reflecting deep discount to book value
Risks
Severe liquidity risk (Current Ratio 0.26) indicating potential insolvency
Rapidly shrinking top line with YoY revenue growth of -38.20%
Extreme operational inefficiency with operating margins at -2362.17%

Compare Another Pair

MA vs NCPL: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Netcapital Inc. (NCPL) 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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