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MA vs SLMBP

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
SLMBP
SLM Corporation
BEARISH
Price
$74.25
Market Cap
$4.85B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MA
30.28
SLMBP
34.62
Forward P/E
MA
22.05
SLMBP
--
P/B Ratio
MA
57.74
SLMBP
6.72
P/S Ratio
MA
13.6
SLMBP
2.94
EV/EBITDA
MA
22.13
SLMBP
--

Profitability

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

Growth

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

Financial Health

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

Dividends

Dividend Yield
MA
0.7%
SLMBP
8.23%
Payout Ratio
MA
18.4%
SLMBP
--

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
SLMBP BEARISH

SLMBP exhibits a dangerous divergence between explosive growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While YoY earnings growth is exceptional at 126.2%, the stock trades at a significant premium to its Graham Number ($23.08) and Intrinsic Value ($63.28). High leverage (Debt/Equity 2.40) and a bearish technical trend (0/100) suggest that the current price of $74.25 is unsustainable. The high dividend yield of 8.23% appears risky given the low dividend strength score and poor health metrics.

Strengths
Exceptional YoY Earnings Growth (126.20%)
Strong Revenue Growth (67.80%)
High Return on Equity (32.30%)
Risks
Severe fundamental weakness (Piotroski F-Score 2/9)
Significant overvaluation relative to Graham Number ($23.08)
High leverage with Debt/Equity of 2.40 (above sector average of 1.40)

Compare Another Pair

MA vs SLMBP: Head-to-Head Comparison

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