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MA vs OMF

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
OMF
OneMain Holdings, Inc.
BULLISH
Price
$58.77
Market Cap
$6.79B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
OMF
8.96
Forward P/E
MA
22.05
OMF
6.66
P/B Ratio
MA
57.74
OMF
2.03
P/S Ratio
MA
13.6
OMF
2.28
EV/EBITDA
MA
22.13
OMF
--

Profitability

Gross Margin
MA
100.0%
OMF
93.34%
Operating Margin
MA
57.73%
OMF
33.65%
Profit Margin
MA
45.65%
OMF
26.34%
ROE
MA
209.91%
OMF
23.76%
ROA
MA
23.72%
OMF
2.94%

Growth

Revenue Growth
MA
17.6%
OMF
12.2%
Earnings Growth
MA
24.2%
OMF
63.7%

Financial Health

Debt/Equity
MA
2.56
OMF
6.71
Current Ratio
MA
1.03
OMF
422.3
Quick Ratio
MA
0.68
OMF
409.35

Dividends

Dividend Yield
MA
0.7%
OMF
7.15%
Payout Ratio
MA
18.4%
OMF
63.57%

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
OMF BULLISH

OMF presents a compelling value opportunity, trading at $58.77, which is below its Graham Number of $65.45. While the Piotroski F-Score of 4/9 indicates only stable financial health, the company's valuation is highly attractive with a P/E of 8.96 and a PEG ratio of 0.75. Exceptional earnings growth (63.7% YoY) and a strong ROE of 23.76% offset the risks associated with high leverage. Despite bearish insider sentiment and technicals, the fundamental growth and dividend yield provide a strong margin of safety.

Strengths
Significant undervaluation indicated by PEG ratio of 0.75 and P/E of 8.96
Strong profitability with ROE at 23.76% and Operating Margin at 33.65%
Robust earnings growth (63.7% YoY) and consistent history of beating estimates
Risks
Very high leverage with a Debt/Equity ratio of 6.71
Bearish insider activity with significant selling by the CEO and COO
Technical trend is currently 0/100 (Bearish)

Compare Another Pair

MA vs OMF: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and OneMain Holdings, Inc. (OMF) 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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