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MA vs PGC

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
PGC
Peapack-Gladstone Financial Corporation
BULLISH
Price
$38.48
Market Cap
$681.4M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
PGC
18.32
Forward P/E
MA
22.05
PGC
8.23
P/B Ratio
MA
57.74
PGC
1.02
P/S Ratio
MA
13.6
PGC
2.63
EV/EBITDA
MA
22.13
PGC
--

Profitability

Gross Margin
MA
100.0%
PGC
0.0%
Operating Margin
MA
57.73%
PGC
25.38%
Profit Margin
MA
45.65%
PGC
14.43%
ROE
MA
209.91%
PGC
5.91%
ROA
MA
23.72%
PGC
0.51%

Growth

Revenue Growth
MA
17.6%
PGC
16.3%
Earnings Growth
MA
24.2%
PGC
31.1%

Financial Health

Debt/Equity
MA
2.56
PGC
--
Current Ratio
MA
1.03
PGC
--
Quick Ratio
MA
0.68
PGC
--

Dividends

Dividend Yield
MA
0.7%
PGC
0.52%
Payout Ratio
MA
18.4%
PGC
9.52%

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
PGC BULLISH

PGC presents a compelling value opportunity, trading below both its Graham Number ($42.25) and Intrinsic Value ($61.95). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company is exhibiting strong growth momentum with YoY earnings growth of 31.10% and a significantly compressed forward P/E of 8.23. Despite a poor recent track record of earnings surprises (1/4 beats), the underlying price performance and valuation metrics suggest significant upside potential.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong growth trajectory with 31.10% YoY earnings growth
Attractive forward P/E ratio of 8.23 suggesting earnings expansion
Risks
Low profitability metrics with ROE at 5.91% and ROA at 0.51%
Poor recent earnings reliability with an average surprise of -9.20% over the last 4 quarters
Piotroski F-Score of 4/9 indicates only mediocre financial health

Compare Another Pair

MA vs PGC: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Peapack-Gladstone Financial Corporation (PGC) 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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