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MA vs NEWT

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NEWT
NewtekOne, Inc.
NEUTRAL
Price
$12.56
Market Cap
$362.8M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
NEWT
5.76
Forward P/E
MA
22.05
NEWT
5.13
P/B Ratio
MA
57.74
NEWT
1.03
P/S Ratio
MA
13.6
NEWT
0.95
EV/EBITDA
MA
22.13
NEWT
4.57

Profitability

Gross Margin
MA
100.0%
NEWT
85.25%
Operating Margin
MA
57.73%
NEWT
55.59%
Profit Margin
MA
45.65%
NEWT
15.79%
ROE
MA
209.91%
NEWT
17.44%
ROA
MA
23.72%
NEWT
5.13%

Growth

Revenue Growth
MA
17.6%
NEWT
3.0%
Earnings Growth
MA
24.2%
NEWT
-6.0%

Financial Health

Debt/Equity
MA
2.56
NEWT
2.07
Current Ratio
MA
1.03
NEWT
14.04
Quick Ratio
MA
0.68
NEWT
1.63

Dividends

Dividend Yield
MA
0.7%
NEWT
6.05%
Payout Ratio
MA
18.4%
NEWT
43.58%

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
NEWT NEUTRAL

NewtekOne presents a classic 'value trap' profile, characterized by a very weak Piotroski F-Score of 2/9 indicating deteriorating fundamental health. While the stock is significantly undervalued relative to its Graham Number ($24.45) and Intrinsic Value ($15.26), this is offset by negative earnings growth (-6.00% YoY) and a high Debt/Equity ratio of 2.07. The strong dividend yield of 6.05% provides a floor, but the lack of growth and poor health metrics prevent a bullish rating. The discrepancy between the deep value metrics and the bearish technical trend suggests the market is pricing in fundamental risks.

Strengths
Deep value valuation with a P/E of 5.76
Strong dividend yield of 6.05% with a sustainable payout ratio (43.58%)
Trading below both Graham Number and Intrinsic Value
Risks
Critical fundamental weakness indicated by Piotroski F-Score of 2/9
Negative year-over-year earnings growth (-6.00%)
High leverage with a Debt/Equity ratio of 2.07

Compare Another Pair

MA vs NEWT: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and NewtekOne, Inc. (NEWT) 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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