COMP <GO>
UAL vs MA // ALTMAN Z-SCORE & DEBT/EQUITY
United Airlines Holdings Inc. (NASDAQ) VS. Mastercard Incorporated (NYSE) • 15-METRIC TALLY: UAL 3
— MA 9
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: MA
LAST: $104.24 (-0.92%) • MKT CAP: $34.18B
balance-sheet
1.57
LAST: $638.01 (+0.36%) • MKT CAP: $556.88B
balance-sheet
11.17
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UAL VS. MA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UAL | MA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 14.00% | 33.50% | -19.50 | MA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 6.5x | 29.2x | -22.70 | UAL | /valuation <GO> |
| Free Cash Flow Yield | 16.89% | 3.08% | +13.81 | UAL | /fcf-yield <GO> |
| Operating Margin | 8.00% | 57.60% | -49.60 | MA | /operating-margins <GO> |
| Net Profit Margin | 5.70% | 45.60% | -39.90 | MA | /net-margins <GO> |
| Revenue Growth (YoY) | 3.50% | 16.40% | -12.90 | MA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.49% | -0.49 | MA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 1.57 | 11.17 | -9.60 | MA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 8/9 | -2.00 | MA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.60% | 6.60% | 0.00 | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 49.1 | 70.6 | -21.53 | MA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.90 | 0.90 | 0.00 | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.5x | 31.2x | -21.70 | UAL | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $34.18B | $556.88B | -$522.70B | MA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UAL REV | MA REV | UAL GROSS % | MA GROSS % | UAL FCF | MA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $59.07B | $32.79B | 44.0% | 44.0% | $5.77B | $17.16B |
| FY 2024 | $57.06B | $28.17B | 44.0% | 44.0% | $6.88B | $14.31B |
| FY 2023 | $53.72B | $25.10B | 44.0% | 44.0% | $4.49B | $10.85B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UAL // BETA 0.90
MA // BETA 0.90