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MA vs PAX

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
PAX
Patria Investments Limited
NEUTRAL
Price
$13.10
Market Cap
$2.09B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
PAX
19.26
Forward P/E
MA
22.05
PAX
7.64
P/B Ratio
MA
57.74
PAX
3.35
P/S Ratio
MA
13.6
PAX
5.47
EV/EBITDA
MA
22.13
PAX
12.87

Profitability

Gross Margin
MA
100.0%
PAX
55.72%
Operating Margin
MA
57.73%
PAX
36.06%
Profit Margin
MA
45.65%
PAX
22.43%
ROE
MA
209.91%
PAX
16.02%
ROA
MA
23.72%
PAX
5.99%

Growth

Revenue Growth
MA
17.6%
PAX
-15.4%
Earnings Growth
MA
24.2%
PAX
-37.6%

Financial Health

Debt/Equity
MA
2.56
PAX
0.27
Current Ratio
MA
1.03
PAX
1.03
Quick Ratio
MA
0.68
PAX
0.54

Dividends

Dividend Yield
MA
0.7%
PAX
4.58%
Payout Ratio
MA
18.4%
PAX
88.8%

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
PAX NEUTRAL

PAX presents a dichotomy between poor deterministic value metrics and strong forward-looking analyst sentiment. With a Piotroski F-Score of 5/9, the company's financial health is stable, but it trades at a significant premium to its Graham Number ($7.74) and Intrinsic Value ($4.76). While YoY revenue and earnings growth are sharply negative, the attractive forward P/E of 7.64 and positive Q/Q revenue growth suggest a potential turnaround. The high dividend payout ratio remains a primary concern for long-term sustainability.

Strengths
Strong operating margins (36.06%) and gross margins (55.72%)
Low leverage with a Debt/Equity ratio of 0.27
Attractive Forward P/E (7.64) suggesting expected earnings recovery
Risks
Significant negative YoY earnings growth (-37.60%)
Unsustainable dividend payout ratio (88.80%)
Trading at a steep premium to both Graham and Intrinsic value estimates

Compare Another Pair

MA vs PAX: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Patria Investments Limited (PAX) 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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