WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Shopify Inc generates 36461% more annual revenue ($12.37B vs $33.82M). MFI leads profitability with a 232.8% profit margin vs 10.8%. MFI trades at a lower P/E of 4.8x. MFI earns a higher WallStSmart Score of 51/100 (C-).

MFI

Buy

51

out of 100

Grade: C-

Growth: 7.3Profit: 4.5Value: 6.7Quality: 8.5
Piotroski: 3/9Altman Z: 92.62

SHOP

Buy

50

out of 100

Grade: C-

Growth: 7.3Profit: 7.0Value: 4.0Quality: 8.5
Piotroski: 3/9Altman Z: 6.61
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for MFI.

SHOPUndervalued (+17.7%)

Margin of Safety

+17.7%

Fair Value

$142.03

Current Price

$117.15

$24.88 discount

UndervaluedFair: $142.03Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFI6 strengths · Avg: 10.0/10
P/E RatioValuation
4.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
232.8%10/10

Keeps 233 of every $100 in revenue as profit

Revenue GrowthGrowth
37.8%10/10

Revenue surging 37.8% year-over-year

EPS GrowthGrowth
117.9%10/10

Earnings expanding 117.9% YoY

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

SHOP4 strengths · Avg: 9.8/10
Revenue GrowthGrowth
34.3%10/10

Revenue surging 34.3% year-over-year

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
6.6110/10

Safe zone — low bankruptcy risk

Market CapQuality
$158.83B9/10

Large-cap with strong market position

Areas to Watch

MFI4 concerns · Avg: 2.8/10
Market CapQuality
$416.46M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.4%3/10

ROE of 1.4% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-13.33M2/10

Negative free cash flow — burning cash

SHOP4 concerns · Avg: 2.8/10
Price/BookValuation
12.2x4/10

Trading at 12.2x book value

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
2.572/10

Expensive relative to growth rate

P/E RatioValuation
120.0x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : MFI

The strongest argument for MFI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 232.8% and operating margin at -108.1%. Revenue growth of 37.8% demonstrates continued momentum.

Bull Case : SHOP

The strongest argument for SHOP centers on Revenue Growth, Debt/Equity, Altman Z-Score. Revenue growth of 34.3% demonstrates continued momentum.

Bear Case : MFI

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

Bear Case : SHOP

The primary concerns for SHOP are Price/Book, Piotroski F-Score, PEG Ratio. A P/E of 120.0x leaves little room for execution misses.

Key Dynamics to Monitor

MFI carries more volatility with a beta of 6.95 — expect wider price swings.

MFI is growing revenue faster at 37.8% — sustainability is the question.

SHOP generates stronger free cash flow (476M), providing more financial flexibility.

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

Bottom Line

MFI scores higher overall (51/100 vs 50/100), backed by strong 232.8% margins and 37.8% revenue growth. SHOP offers better value entry with a 17.7% margin of safety. Both earn "Buy" and "Buy" 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.

Visit Website →

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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