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MA vs OXLC

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
OXLC
Oxford Lane Capital Corp.
BEARISH
Price
$10.26
Market Cap
$1.0B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
OXLC
23.32
Forward P/E
MA
22.05
OXLC
2.31
P/B Ratio
MA
57.74
OXLC
0.53
P/S Ratio
MA
13.6
OXLC
2.05
EV/EBITDA
MA
22.13
OXLC
--

Profitability

Gross Margin
MA
100.0%
OXLC
100.0%
Operating Margin
MA
57.73%
OXLC
72.75%
Profit Margin
MA
45.65%
OXLC
0.77%
ROE
MA
209.91%
OXLC
0.22%
ROA
MA
23.72%
OXLC
9.09%

Growth

Revenue Growth
MA
17.6%
OXLC
29.5%
Earnings Growth
MA
24.2%
OXLC
-77.9%

Financial Health

Debt/Equity
MA
2.56
OXLC
0.38
Current Ratio
MA
1.03
OXLC
0.61
Quick Ratio
MA
0.68
OXLC
0.61

Dividends

Dividend Yield
MA
0.7%
OXLC
23.39%
Payout Ratio
MA
18.4%
OXLC
1215.91%

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
OXLC BEARISH

OXLC presents a classic 'yield trap' profile, characterized by a stable Piotroski F-Score of 4/9 but severe fundamental deterioration. While the stock trades at a significant discount to book value (P/B 0.53) and below its Graham Number ($13.78), these value metrics are overshadowed by a catastrophic payout ratio of 1215.91% and a 77.9% YoY collapse in earnings. The technical trend is completely bearish (0/100), and the massive dividend yield is unsustainable given the current earnings trajectory.

Strengths
Significant discount to book value (P/B 0.53)
Strong year-over-year revenue growth of 29.50%
Current price is below the Graham Number defensive fair value
Risks
Unsustainable dividend payout ratio (1215.91%)
Severe earnings contraction (-77.9% YoY)
Poor liquidity indicated by a current ratio of 0.61

Compare Another Pair

MA vs OXLC: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Oxford Lane Capital Corp. (OXLC) 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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