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MA vs TFC

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
TFC
Truist Financial Corporation
BULLISH
Price
$49.43
Market Cap
$63.23B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MA
30.28
TFC
12.94
Forward P/E
MA
22.05
TFC
9.69
P/B Ratio
MA
57.74
TFC
1.04
P/S Ratio
MA
13.6
TFC
3.43
EV/EBITDA
MA
22.13
TFC
--

Profitability

Gross Margin
MA
100.0%
TFC
0.0%
Operating Margin
MA
57.73%
TFC
32.7%
Profit Margin
MA
45.65%
TFC
28.8%
ROE
MA
209.91%
TFC
8.24%
ROA
MA
23.72%
TFC
0.98%

Growth

Revenue Growth
MA
17.6%
TFC
3.2%
Earnings Growth
MA
24.2%
TFC
10.8%

Financial Health

Debt/Equity
MA
2.56
TFC
--
Current Ratio
MA
1.03
TFC
--
Quick Ratio
MA
0.68
TFC
--

Dividends

Dividend Yield
MA
0.7%
TFC
4.21%
Payout Ratio
MA
18.4%
TFC
54.45%

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
TFC BULLISH

TFC presents a compelling value opportunity, trading significantly below its Graham Number ($64.06) and Intrinsic Value ($88.62). While the Piotroski F-Score of 4/9 indicates only stable financial health and technical trends are currently bearish, the fundamental valuation metrics (P/E of 12.94 and P/B of 1.04) are highly attractive. Strong year-over-year earnings growth of 23.1% and a sustainable 4.21% dividend yield provide a solid floor for investors. The disconnect between the deep value and the bearish insider/technical signals suggests a potential contrarian entry point.

Strengths
Significant discount to Graham Number and Intrinsic Value
Strong YoY earnings growth of 23.1%
Attractive dividend yield of 4.21% with a sustainable 54.45% payout ratio
Risks
Bearish insider sentiment with recent sales by the CFO and Directors
Technical trend is currently 0/100 (Bearish)
Slow top-line revenue growth (3.20% YoY)

Compare Another Pair

MA vs TFC: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and Truist Financial Corporation (TFC) 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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