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MA vs PAPL

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
PAPL
Pineapple Financial Inc.
BEARISH
Price
$1.80
Market Cap
$47.0M
Sector
Financial Services
AI Confidence
95%

Valuation

P/E Ratio
MA
30.28
PAPL
--
Forward P/E
MA
22.05
PAPL
45.0
P/B Ratio
MA
57.74
PAPL
1.73
P/S Ratio
MA
13.6
PAPL
16.17
EV/EBITDA
MA
22.13
PAPL
-18.46

Profitability

Gross Margin
MA
100.0%
PAPL
100.0%
Operating Margin
MA
57.73%
PAPL
-115.7%
Profit Margin
MA
45.65%
PAPL
0.0%
ROE
MA
209.91%
PAPL
-203.43%
ROA
MA
23.72%
PAPL
-6.17%

Growth

Revenue Growth
MA
17.6%
PAPL
-4.8%
Earnings Growth
MA
24.2%
PAPL
--

Financial Health

Debt/Equity
MA
2.56
PAPL
0.72
Current Ratio
MA
1.03
PAPL
1.15
Quick Ratio
MA
0.68
PAPL
0.89

Dividends

Dividend Yield
MA
0.7%
PAPL
--
Payout Ratio
MA
18.4%
PAPL
0.0%

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
PAPL BEARISH

PAPL exhibits critical financial distress, highlighted by a Piotroski F-Score of 1/9, indicating severe fundamental weakness. The company is experiencing significant operational failure with an operating margin of -115.70% and a catastrophic ROE of -203.43%. While the stock has seen a speculative short-term price surge (+181.2% in 1 month), this is decoupled from fundamentals as revenue continues to decline both YoY (-4.80%) and Q/Q (-15.04%). The lack of a Graham Number or Intrinsic Value reflects a lack of profitability and unsustainable valuation metrics.

Strengths
Recent short-term price momentum (speculative)
Debt/Equity ratio (0.72) is lower than the sector average (1.32)
Current ratio (1.15) remains slightly above 1.0
Risks
Extreme operational losses (Operating Margin -115.70%)
Severe equity erosion (ROE -203.43%)
Negative revenue growth trends (YoY and Q/Q)

Compare Another Pair

MA vs PAPL: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Pineapple Financial Inc. (PAPL) 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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