Finance of America Companies Inc (FOA)vsMastercard Inc (MA)
FOA
Finance of America Companies Inc
$15.26
-2.75%
FINANCIAL SERVICES · Cap: $195.24M
MA
Mastercard Inc
$569.19
+0.68%
FINANCIAL SERVICES · Cap: $498.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 10311% more annual revenue ($35.08B vs $336.99M). MA leads profitability with a 46.3% profit margin vs -0.1%. MA earns a higher WallStSmart Score of 72/100 (B).
FOA
Avoid33
out of 100
Grade: F
MA
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Mega-cap, among the largest globally
Every $100 of equity generates 290 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 61.1%
Safe zone — low bankruptcy risk
Earnings expanding 22.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Revenue declined 64.8%
Earnings declined 64.7%
Negative free cash flow — burning cash
Premium valuation, high expectations priced in
Trading at 88.9x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FOA
The strongest argument for FOA centers on 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 46.3% and operating margin at 61.1%. Revenue growth of 14.1% demonstrates continued momentum.
Bear Case : FOA
The primary concerns for FOA are Market Cap, Revenue Growth, EPS Growth. Debt-to-equity of 106.04 is elevated, increasing financial risk.
Bear Case : MA
The primary concerns for MA are P/E Ratio, Price/Book, Debt/Equity. Debt-to-equity of 4.39 is elevated, increasing financial risk.
Key Dynamics to Monitor
FOA profiles as a turnaround stock while MA is a mature play — different risk/reward profiles.
FOA carries more volatility with a beta of 1.69 — expect wider price swings.
MA is growing revenue faster at 14.1% — sustainability is the question.
MA generates stronger free cash flow (3.3B), providing more financial flexibility.
Bottom Line
MA scores higher overall (72/100 vs 33/100), backed by strong 46.3% margins and 14.1% revenue growth. Both earn "Strong 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.
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.
Visit Website →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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