WallStSmart

mF International Limited Ordinary Shares (MFI)vsUber Technologies Inc (UBER)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Uber Technologies Inc generates 181246% more annual revenue ($52.02B vs $28.68M). UBER leads profitability with a 19.3% profit margin vs -98.9%. UBER earns a higher WallStSmart Score of 56/100 (C).

MFI

Avoid

28

out of 100

Grade: F

Growth: 6.7Profit: 2.0Value: 5.0Quality: 5.0
Piotroski: 3/9Altman Z: 0.41

UBER

Buy

56

out of 100

Grade: C

Growth: 6.0Profit: 7.5Value: 4.7Quality: 6.0
Piotroski: 4/9Altman Z: 1.47
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for MFI.

UBERSignificantly Overvalued (-122.0%)

Margin of Safety

-122.0%

Fair Value

$32.16

Current Price

$73.08

$40.92 premium

UndervaluedFair: $32.16Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFI3 strengths · Avg: 9.0/10
EPS GrowthGrowth
117.9%10/10

Earnings expanding 117.9% YoY

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
20.8%8/10

Revenue surging 20.8% year-over-year

UBER5 strengths · Avg: 8.6/10
Return on EquityProfitability
39.9%10/10

Every $100 of equity generates 40 in profit

Market CapQuality
$150.31B9/10

Large-cap with strong market position

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
20.1%8/10

Revenue surging 20.1% year-over-year

Free Cash FlowQuality
$2.81B8/10

Generating 2.8B in free cash flow

Areas to Watch

MFI4 concerns · Avg: 2.5/10
Market CapQuality
$532.06M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-77.9%2/10

ROE of -77.9% — below average capital efficiency

Free Cash FlowQuality
$-2.66M2/10

Negative free cash flow — burning cash

UBER3 concerns · Avg: 2.0/10
PEG RatioValuation
4.512/10

Expensive relative to growth rate

EPS GrowthGrowth
-95.6%2/10

Earnings declined 95.6%

Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : MFI

The strongest argument for MFI centers on EPS Growth, Debt/Equity, Revenue Growth. Revenue growth of 20.8% demonstrates continued momentum.

Bull Case : UBER

The strongest argument for UBER centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 19.3% and operating margin at 12.3%. Revenue growth of 20.1% demonstrates continued momentum.

Bear Case : MFI

The primary concerns for MFI are Market Cap, Piotroski F-Score, Return on Equity.

Bear Case : UBER

The primary concerns for UBER are PEG Ratio, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

MFI is growing revenue faster at 20.8% — sustainability is the question.

UBER generates stronger free cash flow (2.8B), providing more financial flexibility.

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

UBER scores higher overall (56/100 vs 28/100), backed by strong 19.3% margins and 20.1% 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 forward-thinking technology company specializing in advanced financial solutions within the fintech sector. Leveraging innovative analytics and comprehensive software platforms, the firm offers tailored payment processing services aimed at optimizing the digital transaction experience for a wide range of clients, from businesses to individual consumers. With a strategic focus on enhancing financial inclusion and operational efficiency, mF International is poised to capitalize on emerging opportunities in the fast-growing digital financial services market. Backed by a seasoned management team and robust growth initiatives, the company is well-positioned to maintain a competitive advantage in the evolving global fintech landscape.

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Uber Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.

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