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MA vs SLM

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
SLM
SLM Corporation
NEUTRAL
Price
$22.64
Market Cap
$4.49B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
SLM
6.54
Forward P/E
MA
22.05
SLM
6.96
P/B Ratio
MA
57.74
SLM
2.05
P/S Ratio
MA
13.6
SLM
2.72
EV/EBITDA
MA
22.13
SLM
--

Profitability

Gross Margin
MA
100.0%
SLM
100.0%
Operating Margin
MA
57.73%
SLM
66.82%
Profit Margin
MA
45.65%
SLM
45.1%
ROE
MA
209.91%
SLM
32.3%
ROA
MA
23.72%
SLM
2.49%

Growth

Revenue Growth
MA
17.6%
SLM
67.8%
Earnings Growth
MA
24.2%
SLM
126.2%

Financial Health

Debt/Equity
MA
2.56
SLM
2.4
Current Ratio
MA
1.03
SLM
1.28
Quick Ratio
MA
0.68
SLM
1.23

Dividends

Dividend Yield
MA
0.7%
SLM
2.3%
Payout Ratio
MA
18.4%
SLM
15.03%

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
SLM NEUTRAL

SLM presents a stark contradiction between explosive growth and deteriorating financial health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is fundamentally undervalued with a P/E of 6.54 and trades below its Graham Number of $29.32, the low health score and bearish technical trend (0/100) suggest a potential value trap. Exceptional YoY earnings growth of 126.20% is offset by a high Debt/Equity ratio of 2.40 and a poor recent track record of earnings surprises. The discrepancy between the current price and the growth-based intrinsic value ($102.07) reflects significant market skepticism regarding the sustainability of its current trajectory.

Strengths
Extremely low P/E ratio (6.54) relative to sector average
Strong PEG ratio (0.51) indicating significant undervaluation relative to growth
Explosive YoY Revenue (67.8%) and Earnings (126.2%) growth
Risks
Critical financial health warning via Piotroski F-Score (2/9)
High leverage with a Debt/Equity ratio of 2.40
Strongly bearish technical trend (0/100)

Compare Another Pair

MA vs SLM: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and SLM Corporation (SLM) 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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