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MFI vs MITK

MFI
mF International Limited
BEARISH
Price
$12.43
Market Cap
$642.1M
Sector
Technology
AI Confidence
90%
MITK
Mitek Systems, Inc.
NEUTRAL
Price
$14.07
Market Cap
$637.6M
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
MFI
--
MITK
40.2
Forward P/E
MFI
-21.81
MITK
11.56
P/B Ratio
MFI
7.26
MITK
2.73
P/S Ratio
MFI
22.39
MITK
3.42
EV/EBITDA
MFI
-0.43
MITK
15.22

Profitability

Gross Margin
MFI
43.13%
MITK
84.33%
Operating Margin
MFI
-93.37%
MITK
13.46%
Profit Margin
MFI
-98.87%
MITK
8.67%
ROE
MFI
-77.91%
MITK
7.45%
ROA
MFI
-29.16%
MITK
3.84%

Growth

Revenue Growth
MFI
20.8%
MITK
18.8%
Earnings Growth
MFI
--
MITK
--

Financial Health

Debt/Equity
MFI
0.22
MITK
0.69
Current Ratio
MFI
1.36
MITK
1.18
Quick Ratio
MFI
0.75
MITK
1.15

Dividends

Dividend Yield
MFI
--
MITK
--
Payout Ratio
MFI
0.0%
MITK
0.0%

AI Verdict

MFI BEARISH

MFI exhibits severe financial instability, highlighted by a weak Piotroski F-Score of 3/9 and a catastrophic profit margin of -98.87%. While revenue growth remains positive at 20.80%, the company is operating at a massive loss with an extreme Price-to-Sales ratio of 22.39, indicating a significant valuation disconnect. The technical trend is entirely bearish (0/100), and the 6-month price collapse of -64.3% suggests a market correction of previous speculative gains. Despite a low debt-to-equity ratio, the operational burn rate makes the current valuation unsustainable.

Strengths
Positive revenue growth of 20.80% YoY
Low Debt/Equity ratio (0.22) indicating low leverage
Positive Gross Margin (43.13%) showing core product viability
Risks
Severe negative profitability (Profit Margin -98.87%)
Extreme valuation multiples (P/S of 22.39 is unsustainable for this margin profile)
Weak Piotroski F-Score (3/9) indicating deteriorating financial health
MITK NEUTRAL

MITK presents a dichotomy between strong operational performance and significant valuation premiums. While the Piotroski F-Score of 4/9 indicates stable financial health, the current price of $14.07 trades at a massive premium to both the Graham Number ($6.37) and the growth-based Intrinsic Value ($2.45). This valuation gap is partially offset by an impressive 84.33% gross margin and a highly positive earnings surprise track record. However, bearish insider sentiment and a weak technical trend score suggest caution despite the strong 1-year price appreciation.

Strengths
Exceptional gross margins (84.33%) indicating strong pricing power
Consistent earnings beat history with an average surprise of 31% over the last 4 quarters
Strong revenue growth (18.80% YoY) and Q/Q momentum
Risks
Severe overvaluation relative to defensive fair value (Graham Number $6.37)
Bearish insider activity with recent selling by the General Counsel
Weak technical trend score (10/100) indicating potential momentum reversal

Compare Another Pair

MFI vs MITK: Head-to-Head Comparison

This page compares mF International Limited (MFI) and Mitek Systems, Inc. (MITK) 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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