WallStSmart

Finance of America Companies Inc (FOA)vsMastercard Inc (MA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mastercard Inc generates 7411% more annual revenue ($33.94B vs $451.89M). MA leads profitability with a 45.9% profit margin vs 7.2%. FOA trades at a lower P/E of 8.7x. MA earns a higher WallStSmart Score of 70/100 (B).

FOA

Hold

48

out of 100

Grade: D+

Growth: 4.7Profit: 5.0Value: 6.7Quality: 3.5
Piotroski: 6/9Altman Z: 0.07

MA

Strong Buy

70

out of 100

Grade: B

Growth: 8.0Profit: 10.0Value: 5.0Quality: 5.5
Piotroski: 6/9Altman Z: 4.08

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FOA2 strengths · Avg: 10.0/10
P/E RatioValuation
8.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.5x10/10

Reasonable price relative to book value

MA6 strengths · Avg: 9.7/10
Market CapQuality
$422.07B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
231.6%10/10

Every $100 of equity generates 232 in profit

Profit MarginProfitability
45.9%10/10

Keeps 46 of every $100 in revenue as profit

Operating MarginProfitability
60.8%10/10

Strong operational efficiency at 60.8%

Altman Z-ScoreHealth
4.0810/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
15.8%8/10

15.8% revenue growth

Areas to Watch

FOA4 concerns · Avg: 2.5/10
Market CapQuality
$175.17M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
7.2%3/10

7.2% margin — thin

Revenue GrowthGrowth
-27.5%2/10

Revenue declined 27.5%

EPS GrowthGrowth
-64.7%2/10

Earnings declined 64.7%

MA4 concerns · Avg: 2.8/10
PEG RatioValuation
1.584/10

Expensive relative to growth rate

P/E RatioValuation
27.6x4/10

Moderate valuation

Price/BookValuation
64.8x2/10

Trading at 64.8x book value

Debt/EquityHealth
2.821/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : FOA

The strongest argument for FOA centers on P/E Ratio, Price/Book.

Bull Case : MA

The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.9% and operating margin at 60.8%. Revenue growth of 15.8% demonstrates continued momentum.

Bear Case : FOA

The primary concerns for FOA are Market Cap, Profit Margin, Revenue Growth. Debt-to-equity of 88.46 is elevated, increasing financial risk.

Bear Case : MA

The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.82 is elevated, increasing financial risk.

Key Dynamics to Monitor

FOA profiles as a value stock while MA is a growth play — different risk/reward profiles.

FOA carries more volatility with a beta of 1.70 — expect wider price swings.

MA is growing revenue faster at 15.8% — sustainability is the question.

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

Bottom Line

MA scores higher overall (70/100 vs 48/100), backed by strong 45.9% margins and 15.8% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Finance of America Companies Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

Finance of America Companies Inc. operates a consumer loan platform in the United States. The company is headquartered in Irving, Texas.

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Mastercard Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.

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