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MA vs ORI

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
ORI
Old Republic International Corporation
NEUTRAL
Price
$39.95
Market Cap
$9.73B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
ORI
9.84
Forward P/E
MA
22.05
ORI
11.98
P/B Ratio
MA
57.74
ORI
1.64
P/S Ratio
MA
13.6
ORI
1.03
EV/EBITDA
MA
22.13
ORI
7.21

Profitability

Gross Margin
MA
100.0%
ORI
63.49%
Operating Margin
MA
57.73%
ORI
17.97%
Profit Margin
MA
45.65%
ORI
10.83%
ROE
MA
209.91%
ORI
17.28%
ROA
MA
23.72%
ORI
2.95%

Growth

Revenue Growth
MA
17.6%
ORI
13.5%
Earnings Growth
MA
24.2%
ORI
34.7%

Financial Health

Debt/Equity
MA
2.56
ORI
0.27
Current Ratio
MA
1.03
ORI
0.59
Quick Ratio
MA
0.68
ORI
0.19

Dividends

Dividend Yield
MA
0.7%
ORI
3.15%
Payout Ratio
MA
18.4%
ORI
29.19%

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
ORI NEUTRAL

Old Republic International Corporation presents a stark dichotomy between deep value and deteriorating operational health. While the company trades significantly below its Graham Number ($47.18) and Intrinsic Value ($119.77) with a low P/E of 9.84, the Piotroski F-Score of 2/9 indicates severe weakness in financial health and operational trends. Strong earnings growth (34.7% YoY) and a consistent track record of EPS beats are currently offset by a bearish technical trend (0/100) and negative insider sentiment. The stock appears to be a value play with significant underlying quality risks.

Strengths
Attractive valuation with P/E of 9.84 and trading below Graham Number
Strong profitability with ROE of 17.28% and Gross Margin of 63.49%
Impressive earnings growth trajectory (34.7% YoY and 61% Q/Q EPS growth)
Risks
Critical operational weakness indicated by a Piotroski F-Score of 2/9
Poor short-term liquidity with a Current Ratio of 0.59 and Quick Ratio of 0.19
Bearish technical momentum (Technical Trend score of 0/100)

Compare Another Pair

MA vs ORI: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Old Republic International Corporation (ORI) 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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