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MA vs NMFC

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NMFC
New Mountain Finance Corporation
BEARISH
Price
$8.22
Market Cap
$828.6M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
NMFC
51.38
Forward P/E
MA
22.05
NMFC
7.72
P/B Ratio
MA
57.74
NMFC
0.71
P/S Ratio
MA
13.6
NMFC
2.53
EV/EBITDA
MA
22.13
NMFC
--

Profitability

Gross Margin
MA
100.0%
NMFC
100.0%
Operating Margin
MA
57.73%
NMFC
80.85%
Profit Margin
MA
45.65%
NMFC
5.04%
ROE
MA
209.91%
NMFC
1.33%
ROA
MA
23.72%
NMFC
5.29%

Growth

Revenue Growth
MA
17.6%
NMFC
-15.1%
Earnings Growth
MA
24.2%
NMFC
--

Financial Health

Debt/Equity
MA
2.56
NMFC
1.41
Current Ratio
MA
1.03
NMFC
0.56
Quick Ratio
MA
0.68
NMFC
0.48

Dividends

Dividend Yield
MA
0.7%
NMFC
15.57%
Payout Ratio
MA
18.4%
NMFC
800.0%

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
NMFC BEARISH

NMFC exhibits significant financial instability characterized by a mediocre Piotroski F-Score of 4/9 and a technical trend of 0/100. While the stock trades at a discount to book value (P/B 0.71), it is priced well above its Graham Number ($6.44) and intrinsic value ($1.12). The most alarming metric is the 800% dividend payout ratio, which suggests the current 15.57% yield is unsustainable based on GAAP earnings. Negative revenue growth and a consistent track record of earnings misses further degrade the outlook.

Strengths
Trading at a discount to book value (P/B 0.71)
High current dividend yield of 15.57%
Forward P/E (7.72) is significantly lower than trailing P/E
Risks
Unsustainable dividend payout ratio of 800%
Severe revenue contraction (-15.10% YoY, -194.10% Q/Q)
Poor liquidity with a current ratio of 0.56

Compare Another Pair

MA vs NMFC: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and New Mountain Finance Corporation (NMFC) 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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