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MA vs NZF

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NZF
Nuveen Municipal Credit Income Fund
BEARISH
Price
$12.59
Market Cap
$2.44B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
NZF
41.97
Forward P/E
MA
22.05
NZF
--
P/B Ratio
MA
57.74
NZF
0.98
P/S Ratio
MA
13.6
NZF
11.65
EV/EBITDA
MA
22.13
NZF
--

Profitability

Gross Margin
MA
100.0%
NZF
100.0%
Operating Margin
MA
57.73%
NZF
86.9%
Profit Margin
MA
45.65%
NZF
28.04%
ROE
MA
209.91%
NZF
2.3%
ROA
MA
23.72%
NZF
2.64%

Growth

Revenue Growth
MA
17.6%
NZF
-1.2%
Earnings Growth
MA
24.2%
NZF
73.4%

Financial Health

Debt/Equity
MA
2.56
NZF
0.68
Current Ratio
MA
1.03
NZF
0.31
Quick Ratio
MA
0.68
NZF
0.17

Dividends

Dividend Yield
MA
0.7%
NZF
7.58%
Payout Ratio
MA
18.4%
NZF
318.0%

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
NZF BEARISH

NZF exhibits a stable Piotroski F-Score of 6/9, but this fundamental health is overshadowed by severe valuation and dividend sustainability issues. The stock is trading at a significant premium to both its Graham Number ($9.32) and Intrinsic Value ($8.85), while the dividend payout ratio of 318% indicates that distributions are not supported by earnings. Combined with a bearish technical trend (0/100) and negative revenue growth, the fund appears overvalued and structurally unstable regarding its yield.

Strengths
Stable Piotroski F-Score (6/9) indicating decent operational health
Price/Book ratio of 0.98 suggests it is trading near its net asset value
Strong historical 3-year price appreciation (+33.8%)
Risks
Unsustainable dividend payout ratio of 318%
Significant premium to Graham Number and Intrinsic Value
Negative year-over-year revenue growth (-1.20%)

Compare Another Pair

MA vs NZF: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Nuveen Municipal Credit Income Fund (NZF) 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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