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MA vs RAND

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
RAND
Rand Capital Corporation
BEARISH
Price
$10.80
Market Cap
$32.1M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
RAND
--
Forward P/E
MA
22.05
RAND
--
P/B Ratio
MA
57.74
RAND
0.61
P/S Ratio
MA
13.6
RAND
4.95
EV/EBITDA
MA
22.13
RAND
5.14

Profitability

Gross Margin
MA
100.0%
RAND
100.0%
Operating Margin
MA
57.73%
RAND
50.17%
Profit Margin
MA
45.65%
RAND
-124.17%
ROE
MA
209.91%
RAND
-13.68%
ROA
MA
23.72%
RAND
5.37%

Growth

Revenue Growth
MA
17.6%
RAND
-39.9%
Earnings Growth
MA
24.2%
RAND
--

Financial Health

Debt/Equity
MA
2.56
RAND
--
Current Ratio
MA
1.03
RAND
7.53
Quick Ratio
MA
0.68
RAND
7.04

Dividends

Dividend Yield
MA
0.7%
RAND
10.74%
Payout Ratio
MA
18.4%
RAND
51.48%

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
RAND BEARISH

RAND exhibits severe financial distress, highlighted by a weak Piotroski F-Score of 2/9 and a completely bearish technical trend (0/100). While the stock trades at a discount to book value (P/B 0.61), this is offset by a catastrophic profit margin of -124.17% and a significant revenue contraction of -39.90% YoY. The high dividend yield of 10.74% appears unsustainable given the lack of earnings growth and negative ROE. Overall, the data suggests a value trap where low valuation metrics are a reflection of deteriorating fundamental health.

Strengths
Strong short-term liquidity with a Current Ratio of 7.53
Trading significantly below book value (P/B 0.61)
High dividend yield of 10.74%
Risks
Critical financial health failure indicated by Piotroski F-Score (2/9)
Severe revenue decline of -39.90% YoY
Deeply negative profit margins (-124.17%)

Compare Another Pair

MA vs RAND: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Rand Capital Corporation (RAND) 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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