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MA vs OCCI

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
OCCI
OFS Credit Company, Inc.
BEARISH
Price
$2.98
Market Cap
$86.7M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
OCCI
--
Forward P/E
MA
22.05
OCCI
1.99
P/B Ratio
MA
57.74
OCCI
0.68
P/S Ratio
MA
13.6
OCCI
1.92
EV/EBITDA
MA
22.13
OCCI
--

Profitability

Gross Margin
MA
100.0%
OCCI
100.0%
Operating Margin
MA
57.73%
OCCI
69.63%
Profit Margin
MA
45.65%
OCCI
-78.56%
ROE
MA
209.91%
OCCI
-24.34%
ROA
MA
23.72%
OCCI
7.76%

Growth

Revenue Growth
MA
17.6%
OCCI
9.2%
Earnings Growth
MA
24.2%
OCCI
--

Financial Health

Debt/Equity
MA
2.56
OCCI
0.9
Current Ratio
MA
1.03
OCCI
2.62
Quick Ratio
MA
0.68
OCCI
2.62

Dividends

Dividend Yield
MA
0.7%
OCCI
41.25%
Payout Ratio
MA
18.4%
OCCI
964.29%

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
OCCI BEARISH

OCCI exhibits significant financial instability, highlighted by a weak Piotroski F-Score of 3/9 and a catastrophic dividend payout ratio of 964.29%. While the stock appears cheap on a Price-to-Book (0.68) and Forward P/E (1.99) basis, these metrics are likely value traps given the negative ROE (-24.34%) and a persistent bearish technical trend. The company is currently paying out dividends far in excess of its earnings, which is unsustainable and suggests a looming dividend cut. Despite a positive ROA, the overall fundamental health is poor, and the price action confirms a long-term decline.

Strengths
Low Price-to-Book ratio (0.68) suggesting potential asset undervaluation
Strong liquidity with a Current Ratio of 2.62
Positive Return on Assets (ROA) of 7.76%
Risks
Unsustainable dividend yield (41.25%) with a payout ratio exceeding 900%
Weak fundamental health indicated by a Piotroski F-Score of 3/9
Negative Return on Equity (ROE) of -24.34%

Compare Another Pair

MA vs OCCI: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and OFS Credit Company, Inc. (OCCI) 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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