MA (MA)

Secondary decision view: valuation · portfolio context · the data you need before acting on a single-source signal.
Avoid

MA is flagged AVOID because its low P/E percentile suggests cheapness, but the stock lacks a reliable valuation floor and shows elevated implied volatility, making it unsuitable for a hard-logic buy z

  • Current P/E of $30.57 sits at the 8.6th percentile, which the model labels 'cheap' and 'extremely low', but this signal alone is insufficient without a confirmed floor.
  • No valid floors are available (dividend, valuation, or EPV floors missing), and the model warns this stock does not support the hard-logic floor method, earning a 'route_alternative' suitability verdict.
  • Implied volatility rank is 79.1% (high), indicating elevated options pricing that adds uncertainty to a low-conviction valuation story.
Verdict bucket from deterministic rule (validation / floor distance / risk alerts). LLM narration only — never picks the bucket.

BUY-ZONE DECISION rule signal

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RULES & ALERTS FIRING

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VALUATION

Undervalued
🔥 Extreme-low valuation flag — historical bands suggest this ticker is unusually cheap relative to its own 5-year range.
Trailing P/E
30.6
5-yr percentile: 9%
P/B
58.4
5-yr percentile: 74%
p10
31.1
p25
34.0
p50
37.6
p75
41.2
p90
47.5

① MA appears fairly valued to cheap: its 22.3x forward P/E combined with 24% earnings growth yields a PEG of 0.92, below the 1.0 threshold for a growth stock. ② This PEG suggests robust double-digit earnings growth is not fully priced in, offering a potential margin of safety. ③ The biggest risk is regulatory or antitrust pressure on its dominant network fees, which could compress growth and earnings multiples.

Large PE vs PB percentile gap — possibly due to dramatic earnings shifts distorting PE. Consider Forward PE and growth expectations.

Floor Engine

Alt Method USD 487.81 Confidence low
PSR medium
USD 481.65
PSR reverts to historical 10th-percentile (growth stocks pre-stable-earnings)
BOOK VALUE medium
USD 7.58
Book-value floor (financials; profitable banks shouldn't trade below book long-term)
Bank/insurance — historical P/B re-rated; fallback to book-value floor

YOUR WATCHLIST CONTEXT

○ anonymous
What you'll see after sign-in
Your floor
$XXX.XX
Your golden
$XXX.XX
Market
XXX

· Your personal floor / golden price overlay on the live price

· Per-ticker rule alerts when this stock crosses your thresholds

· Position P&L overlay — what this ticker means inside your full portfolio

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IMPLIED VOLATILITY

CURRENT IV 27.2% HV (30D) 27.5% IV RANK (1Y) 79 HIGH
IV vs HV · last 1 year

Earnings Reactions

MA
8 earnings events · last 2 years
Avg Gap%
+0.68%
Avg Day%
+0.62%
Up Hit Rate
75%
Next Earnings · est.
2026-07-30
in 50d
24-07
24-10
25-01
25-05
25-07
25-10
26-01
26-04
Bar height = |Gap%| normalized to the period max. Green = up, red = down.
Date Time EPS Surprise Gap% Day% Week%
2026-04-30 BMO 4.60 +4.2% -3.95% -4.25% -4.62%
2026-01-29 BMO 4.76 +12.3% +2.00% +4.29% +5.85%
2025-10-30 BMO 4.38 +1.5% -0.54% -0.16% -0.23%
2025-07-31 BMO 4.07 +1.0% +1.69% +1.32% +0.38%
2025-05-01 BMO 3.73 +4.8% +0.35% -0.26% +3.48%
2025-01-30 BMO 3.82 +3.5% +1.13% +3.14% +3.35%
2024-10-31 BMO 3.89 +3.9% +1.47% -2.74% +0.82%
2024-07-31 BMO 3.59 +2.3% +3.25% +3.63% +0.53%

Is MA (MA) overvalued right now?

MA (MA) is currently trading at a trailing P/E of 30.6, sitting at the 9th percentile of its 5-year valuation history. A high percentile suggests the market is pricing the stock above its own historical norm — useful context before sizing a new position or selling premium against it.

MA (MA) — what's the SELL PUT risk profile?

Selling cash-secured puts on MA (MA) is a common income strategy, but the right strike depends on your floor price (the level you'd happily own at) and the option chain's buffer/APY tradeoff. The full ladder view (deferred to a future release) ranks candidates by buffer percentage first, then APY — see the option ladder methodology for why buffer matters more than yield in this strategy.

MA (MA) — which option strategy fits your view?

If you're bullish long-term but cautious near-term on MA (MA), SELL PUT into your floor zone collects premium while waiting for a better entry. If you already own it and are neutral-to-mildly-bullish, COVERED CALL caps upside but harvests time decay. The wrong strategy on the right ticker still loses money — match the trade to your view, not the other way around.

MA (MA) — is now a good entry?

Entry timing on MA (MA) is a function of your floor price (hard buy zone) and golden price (back-the-truck-up zone). Both are personal — set them in your watchlist and we'll alert you when the market hits either level.

FAQ

Why does MA show different P/E numbers on different sites?

Different data providers use different earnings windows (TTM vs forward, GAAP vs adjusted) and update at different cadences. We surface trailing P/E with a 5-year percentile rank to give context — a P/E of 30 is hot for one stock and cold for another.

Does this page show MA's implied volatility?

Not on this v0 page — the dedicated volatility tool covers IV with multi-source voting (IBKR + Polygon + yfinance). For pure IV lookup, use /tools/volatility. This page is for decision-stage queries that pull together valuation + portfolio context.

How is this different from Yahoo Finance or 雪球's MA page?

Those sites are great for raw data discovery — last price, news, headline P/E. This page is built for the second look: you've already seen a single-dimension signal somewhere else, now you need multi-dimensional decision context (your floor, the valuation percentile, your portfolio overlay) in one view, not five tabs.