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MA vs NOAH

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NOAH
Noah Holdings Limited
NEUTRAL
Price
$10.41
Market Cap
$853.2M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
NOAH
8.97
Forward P/E
MA
22.05
NOAH
6.73
P/B Ratio
MA
57.74
NOAH
0.5
P/S Ratio
MA
13.6
NOAH
0.33
EV/EBITDA
MA
22.13
NOAH
-1.43

Profitability

Gross Margin
MA
100.0%
NOAH
53.39%
Operating Margin
MA
57.73%
NOAH
35.15%
Profit Margin
MA
45.65%
NOAH
21.41%
ROE
MA
209.91%
NOAH
5.57%
ROA
MA
23.72%
NOAH
4.13%

Growth

Revenue Growth
MA
17.6%
NOAH
12.5%
Earnings Growth
MA
24.2%
NOAH
-88.2%

Financial Health

Debt/Equity
MA
2.56
NOAH
0.01
Current Ratio
MA
1.03
NOAH
4.46
Quick Ratio
MA
0.68
NOAH
4.23

Dividends

Dividend Yield
MA
0.7%
NOAH
5.56%
Payout Ratio
MA
18.4%
NOAH
52.25%

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
NOAH NEUTRAL

NOAH presents a classic 'value trap' profile, characterized by a very weak Piotroski F-Score of 2/9 indicating deteriorating fundamental health despite deep valuation discounts. While the Graham Number ($23.42) suggests significant asset-based undervaluation and the balance sheet is pristine with near-zero debt, the catastrophic collapse in earnings growth (-88.20% YoY) offsets these gains. The stock is trading near its growth-based intrinsic value ($8.12) but far below its book value, suggesting the market is pricing in significant structural risks. A sustainable dividend provides a floor, but the bearish technical trend and poor insider sentiment limit immediate upside.

Strengths
Extremely low leverage with a Debt/Equity ratio of 0.01
Strong liquidity position with a Current Ratio of 4.46
Deep value metrics including a Price/Book of 0.50 and P/S of 0.33
Risks
Severe earnings deterioration with YoY growth at -88.20%
Weak fundamental health as evidenced by a Piotroski F-Score of 2/9
Poor long-term price performance (-66.2% over 5 years)

Compare Another Pair

MA vs NOAH: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Noah Holdings Limited (NOAH) 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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