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MA vs NMI

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NMI
Nuveen Municipal Income Fund, Inc.
BEARISH
Price
$9.98
Market Cap
$112.6M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
NMI
35.66
Forward P/E
MA
22.05
NMI
--
P/B Ratio
MA
57.74
NMI
1.01
P/S Ratio
MA
13.6
NMI
20.83
EV/EBITDA
MA
22.13
NMI
--

Profitability

Gross Margin
MA
100.0%
NMI
100.0%
Operating Margin
MA
57.73%
NMI
85.82%
Profit Margin
MA
45.65%
NMI
56.82%
ROE
MA
209.91%
NMI
2.88%
ROA
MA
23.72%
NMI
2.68%

Growth

Revenue Growth
MA
17.6%
NMI
4.6%
Earnings Growth
MA
24.2%
NMI
-19.1%

Financial Health

Debt/Equity
MA
2.56
NMI
--
Current Ratio
MA
1.03
NMI
4.78
Quick Ratio
MA
0.68
NMI
4.78

Dividends

Dividend Yield
MA
0.7%
NMI
4.57%
Payout Ratio
MA
18.4%
NMI
162.86%

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
NMI BEARISH

NMI exhibits a stable but stagnant financial profile with a Piotroski F-Score of 5/9, yet it faces significant valuation and sustainability headwinds. The fund is trading at a substantial premium to its Graham Number ($7.90) and Intrinsic Value ($1.96), while the technical trend is completely bearish (0/100). Most critically, the dividend payout ratio of 162.86% indicates that the current yield is unsustainable and likely being funded by capital rather than earnings. With earnings growth declining by 19.10% YoY, the fund lacks the fundamental momentum to justify its current price.

Strengths
Stable Piotroski F-Score (5/9) indicating baseline financial health
Strong liquidity with a Current Ratio of 4.78
High operating margins (85.82%) typical of asset management
Risks
Unsustainable dividend payout ratio of 162.86%
Significant earnings contraction (-19.10% YoY)
Severe disconnect between current price ($9.98) and intrinsic value ($1.96)

Compare Another Pair

MA vs NMI: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Nuveen Municipal Income Fund, Inc. (NMI) 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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