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MA vs PFG

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
PFG
Principal Financial Group, Inc.
NEUTRAL
Price
$93.98
Market Cap
$20.38B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
PFG
17.9
Forward P/E
MA
22.05
PFG
9.23
P/B Ratio
MA
57.74
PFG
1.72
P/S Ratio
MA
13.6
PFG
1.3
EV/EBITDA
MA
22.13
PFG
11.28

Profitability

Gross Margin
MA
100.0%
PFG
44.24%
Operating Margin
MA
57.73%
PFG
14.11%
Profit Margin
MA
45.65%
PFG
7.58%
ROE
MA
209.91%
PFG
10.52%
ROA
MA
23.72%
PFG
0.28%

Growth

Revenue Growth
MA
17.6%
PFG
-3.7%
Earnings Growth
MA
24.2%
PFG
-40.9%

Financial Health

Debt/Equity
MA
2.56
PFG
0.35
Current Ratio
MA
1.03
PFG
1.51
Quick Ratio
MA
0.68
PFG
0.34

Dividends

Dividend Yield
MA
0.7%
PFG
3.33%
Payout Ratio
MA
18.4%
PFG
58.67%

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
PFG NEUTRAL

PFG presents a contradictory profile where strong price performance masks deteriorating fundamentals. The company maintains a stable health profile with a Piotroski F-Score of 4/9 and low debt, but it is currently trading at a significant premium to its Intrinsic Value ($36.75) and Graham Number ($80.36). Severe contractions in YoY earnings (-40.90%) and revenue (-3.70%) are major concerns, though a low Forward P/E of 9.23 suggests analysts expect a recovery. The stock is currently priced near its 52-week high despite these fundamental headwinds.

Strengths
Low Debt/Equity ratio of 0.35 indicating strong solvency
Sustainable dividend payout ratio of 58.67%
Strong 1-year price appreciation of 36.3%
Risks
Severe YoY earnings decline of 40.90%
Negative revenue growth both YoY (-3.70%) and Q/Q (-3.69%)
Current price ($93.98) is significantly above the growth-based intrinsic value ($36.75)

Compare Another Pair

MA vs PFG: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Principal Financial Group, Inc. (PFG) 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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