WallStSmart

mF International Limited Ordinary Shares (MFI)vsShopify Inc (SHOP)

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Smart Verdict

WallStSmart Research — data-driven comparison

Shopify Inc generates 43047% more annual revenue ($13.27B vs $30.75M). SHOP leads profitability with a 14.5% profit margin vs 0.0%. MFI trades at a lower P/E of 4.0x. SHOP earns a higher WallStSmart Score of 63/100 (C+).

MFI

Avoid

30

out of 100

Grade: F

Growth: 4.7Profit: 2.5Value: 6.7Quality: 8.5
Piotroski: 3/9Altman Z: 92.62

SHOP

Buy

63

out of 100

Grade: C+

Growth: 10.0Profit: 7.5Value: 4.7Quality: 8.5
Piotroski: 3/9Altman Z: 6.69
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for MFI.

SHOPUndervalued (+22.4%)

Margin of Safety

+22.4%

Fair Value

$150.73

Current Price

$166.89

$16.16 discount

UndervaluedFair: $150.73Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFI5 strengths · Avg: 9.6/10
P/E RatioValuation
4.0x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
117.9%10/10

Earnings expanding 117.9% YoY

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
92.6210/10

Safe zone — low bankruptcy risk

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

SHOP5 strengths · Avg: 10.0/10
Market CapQuality
$215.16B10/10

Mega-cap, among the largest globally

Revenue GrowthGrowth
33.7%10/10

Revenue surging 33.7% year-over-year

EPS GrowthGrowth
68.1%10/10

Earnings expanding 68.1% YoY

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
6.6910/10

Safe zone — low bankruptcy risk

Areas to Watch

MFI4 concerns · Avg: 2.8/10
Market CapQuality
$421.48M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-109.4%2/10

ROE of -109.4% — below average capital efficiency

SHOP4 concerns · Avg: 3.3/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Price/BookValuation
17.0x4/10

Trading at 17.0x book value

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

P/E RatioValuation
112.0x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : MFI

The strongest argument for MFI centers on P/E Ratio, EPS Growth, Debt/Equity.

Bull Case : SHOP

The strongest argument for SHOP centers on Market Cap, Revenue Growth, EPS Growth. Revenue growth of 33.7% demonstrates continued momentum.

Bear Case : MFI

The primary concerns for MFI are Market Cap, Profit Margin, Piotroski F-Score.

Bear Case : SHOP

The primary concerns for SHOP are PEG Ratio, Price/Book, Piotroski F-Score. A P/E of 112.0x leaves little room for execution misses.

Key Dynamics to Monitor

MFI profiles as a value stock while SHOP is a growth play — different risk/reward profiles.

MFI carries more volatility with a beta of 7.02 — expect wider price swings.

SHOP is growing revenue faster at 33.7% — sustainability is the question.

SHOP generates stronger free cash flow (654M), providing more financial flexibility.

Bottom Line

SHOP scores higher overall (63/100 vs 30/100) and 33.7% revenue growth. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

mF International Limited Ordinary Shares

TECHNOLOGY · SOFTWARE - APPLICATION · USA

mF International Limited is a leading technology firm at the forefront of the fintech sector, specializing in innovative financial solutions that optimize digital transactions. Known for its state-of-the-art payment processing services and advanced analytics, the company caters to a wide array of clients, ranging from businesses to individual consumers. Positioned to capitalize on the expansive growth potential in digital financial services, mF International is dedicated to promoting financial inclusion and enhancing operational efficiencies. Backed by a seasoned management team and a strategic focus on growth, the firm is well-equipped to maintain its competitive advantage in the evolving global fintech landscape.

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Shopify Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Shopify Inc., a commerce company, offers a commerce and service platform in Canada, the United States, the United Kingdom, Australia, Latin America, and internationally. The company is headquartered in Ottawa, Canada.

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