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MA vs PAI

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
PAI
Western Asset Investment Grade Income Fund Inc.
BULLISH
Price
$12.25
Market Cap
$116.5M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
PAI
12.01
Forward P/E
MA
22.05
PAI
--
P/B Ratio
MA
57.74
PAI
0.93
P/S Ratio
MA
13.6
PAI
16.33
EV/EBITDA
MA
22.13
PAI
--

Profitability

Gross Margin
MA
100.0%
PAI
100.0%
Operating Margin
MA
57.73%
PAI
86.33%
Profit Margin
MA
45.65%
PAI
135.2%
ROE
MA
209.91%
PAI
7.76%
ROA
MA
23.72%
PAI
3.08%

Growth

Revenue Growth
MA
17.6%
PAI
3.1%
Earnings Growth
MA
24.2%
PAI
26.7%

Financial Health

Debt/Equity
MA
2.56
PAI
--
Current Ratio
MA
1.03
PAI
1.43
Quick Ratio
MA
0.68
PAI
1.18

Dividends

Dividend Yield
MA
0.7%
PAI
5.14%
Payout Ratio
MA
18.4%
PAI
61.67%

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
PAI BULLISH

PAI presents a compelling value opportunity, characterized by a stable Piotroski F-Score of 5/9 and a significant discount to both its Graham Number ($17.43) and Intrinsic Value ($30.09). While the technical trend is currently bearish (0/100) and insider sentiment is weak, the fundamental valuation metrics—specifically a P/E of 12.01 against a sector average of 34.89 and a Price/Book of 0.93—suggest the asset is heavily undervalued. Strong earnings growth of 26.7% and a sustainable 5.14% dividend yield provide a solid floor for investors.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
P/E ratio (12.01) is substantially lower than the sector average (34.89)
Strong earnings growth of 26.7% YoY
Risks
Severe bearish technical trend (0/100)
Low insider sentiment (40/100) suggesting lack of internal confidence
Sluggish revenue growth (3.10%) compared to sector peers

Compare Another Pair

MA vs PAI: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Western Asset Investment Grade Income Fund Inc. (PAI) 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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