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MA vs PLUT

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
PLUT
Plutus Financial Group Limited
BEARISH
Price
$3.00
Market Cap
$46.1M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
PLUT
--
Forward P/E
MA
22.05
PLUT
--
P/B Ratio
MA
57.74
PLUT
3.37
P/S Ratio
MA
13.6
PLUT
4.63
EV/EBITDA
MA
22.13
PLUT
--

Profitability

Gross Margin
MA
100.0%
PLUT
74.05%
Operating Margin
MA
57.73%
PLUT
-1181.87%
Profit Margin
MA
45.65%
PLUT
-196.19%
ROE
MA
209.91%
PLUT
-23.84%
ROA
MA
23.72%
PLUT
-18.1%

Growth

Revenue Growth
MA
17.6%
PLUT
-47.7%
Earnings Growth
MA
24.2%
PLUT
--

Financial Health

Debt/Equity
MA
2.56
PLUT
0.01
Current Ratio
MA
1.03
PLUT
6.29
Quick Ratio
MA
0.68
PLUT
6.28

Dividends

Dividend Yield
MA
0.7%
PLUT
--
Payout Ratio
MA
18.4%
PLUT
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
PLUT BEARISH

PLUT presents a stark contrast between a stable balance sheet and catastrophic operational performance. While the Piotroski F-Score of 5/9 indicates stable financial health and the company maintains high liquidity (Current Ratio 6.29) with negligible debt, these are overshadowed by a -196.19% profit margin and a severe -47.70% YoY revenue decline. The technical trend is completely bearish (0/100), and the company is significantly underperforming its sector peers in both growth and profitability.

Strengths
Very low leverage (Debt/Equity 0.01)
Strong short-term liquidity (Current Ratio 6.29)
High Gross Margin (74.05%) suggesting a viable core product
Risks
Severe revenue contraction (-47.70% YoY)
Extreme operational inefficiency (Operating Margin -1181.87%)
Negative Return on Equity (-23.83%) and Return on Assets (-18.10%)

Compare Another Pair

MA vs PLUT: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Plutus Financial Group Limited (PLUT) 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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