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MA vs QFIN

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
QFIN
Qfin Holdings, Inc.
BULLISH
Price
$14.13
Market Cap
$1.86B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
QFIN
2.19
Forward P/E
MA
22.05
QFIN
2.78
P/B Ratio
MA
57.74
QFIN
0.49
P/S Ratio
MA
13.6
QFIN
0.1
EV/EBITDA
MA
22.13
QFIN
0.04

Profitability

Gross Margin
MA
100.0%
QFIN
61.41%
Operating Margin
MA
57.73%
QFIN
29.45%
Profit Margin
MA
45.65%
QFIN
31.19%
ROE
MA
209.91%
QFIN
24.69%
ROA
MA
23.72%
QFIN
9.93%

Growth

Revenue Growth
MA
17.6%
QFIN
-8.7%
Earnings Growth
MA
24.2%
QFIN
-40.9%

Financial Health

Debt/Equity
MA
2.56
QFIN
0.18
Current Ratio
MA
1.03
QFIN
2.43
Quick Ratio
MA
0.68
QFIN
0.42

Dividends

Dividend Yield
MA
0.7%
QFIN
10.89%
Payout Ratio
MA
18.4%
QFIN
23.85%

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
QFIN BULLISH

QFIN presents a classic deep-value opportunity, characterized by a stable Piotroski F-Score of 4/9 and a massive valuation disconnect, trading at $14.13 against a Graham Number of $64.94. While the company is facing severe earnings contraction (-40.9% YoY) and a completely bearish technical trend (0/100), its fundamental profitability remains robust with an ROE of 24.69% and a very low P/E of 2.19. The high dividend yield of 10.89% is well-supported by a low payout ratio of 23.85%, providing a significant safety buffer. The bullish assessment is based on the extreme margin of safety provided by the Price-to-Book ratio of 0.49.

Strengths
Extreme valuation discount (P/E 2.19, P/B 0.49)
High and sustainable dividend yield (10.89% with 23.85% payout)
Strong profitability metrics (ROE 24.69%, Profit Margin 31.19%)
Risks
Severe YoY earnings decline (-40.90%)
Strongly bearish technical momentum (1Y change -58.1%)
Poor recent earnings track record (only 1 of last 4 quarters beat estimates)

Compare Another Pair

MA vs QFIN: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Qfin Holdings, Inc. (QFIN) 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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