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MA vs NVG

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NVG
Nuveen AMT-Free Municipal Credit Income Fund
BEARISH
Price
$12.63
Market Cap
$2.7B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
NVG
46.78
Forward P/E
MA
22.05
NVG
--
P/B Ratio
MA
57.74
NVG
0.98
P/S Ratio
MA
13.6
NVG
11.99
EV/EBITDA
MA
22.13
NVG
--

Profitability

Gross Margin
MA
100.0%
NVG
100.0%
Operating Margin
MA
57.73%
NVG
81.61%
Profit Margin
MA
45.65%
NVG
25.35%
ROE
MA
209.91%
NVG
2.01%
ROA
MA
23.72%
NVG
2.37%

Growth

Revenue Growth
MA
17.6%
NVG
-2.0%
Earnings Growth
MA
24.2%
NVG
10.2%

Financial Health

Debt/Equity
MA
2.56
NVG
0.7
Current Ratio
MA
1.03
NVG
0.04
Quick Ratio
MA
0.68
NVG
0.04

Dividends

Dividend Yield
MA
0.7%
NVG
7.51%
Payout Ratio
MA
18.4%
NVG
351.11%

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
NVG BEARISH

NVG exhibits a stable Piotroski F-Score of 6/9, but this is overshadowed by severe valuation discrepancies and unsustainable payout metrics. The current price of $12.63 trades at a significant premium to both the Graham Number ($8.87) and the Intrinsic Value ($6.02). Most critically, a payout ratio of 351.11% indicates that dividends are not being covered by earnings, suggesting a reliance on return of capital or leverage. Combined with a 0/100 technical trend and negative revenue growth, the fund appears overvalued and fundamentally fragile.

Strengths
Stable Piotroski F-Score (6/9)
Price-to-Book ratio of 0.98 indicates trading near net asset value
Positive year-over-year earnings growth of 10.20%
Risks
Unsustainable payout ratio of 351.11% indicating dividend instability
Significant overvaluation relative to Graham Number and Intrinsic Value
Negative revenue growth (-2.00% YoY)

Compare Another Pair

MA vs NVG: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Nuveen AMT-Free Municipal Credit Income Fund (NVG) 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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