Mastercard Inc (MA)vsMedallion Financial Corp (MFIN)
MA
Mastercard Inc
$569.29
+0.40%
FINANCIAL SERVICES · Cap: $500.29B
MFIN
Medallion Financial Corp
$11.48
+0.44%
FINANCIAL SERVICES · Cap: $250.27M
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 9925% more annual revenue ($35.08B vs $349.97M). MA leads profitability with a 46.3% profit margin vs 9.3%. MFIN appears more attractively valued with a PEG of 0.77. MA earns a higher WallStSmart Score of 70/100 (B).
MA
Strong Buy70
out of 100
Grade: B
MFIN
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 46.9%
Growing faster than its price suggests
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 89.0x book value
Elevated debt levels
2.5% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
Earnings declined 32.6%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : MFIN
The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. PEG of 0.77 suggests the stock is reasonably priced for its growth.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 4.39 is elevated, increasing financial risk.
Bear Case : MFIN
The primary concerns for MFIN are Revenue Growth, Altman Z-Score, Market Cap.
Key Dynamics to Monitor
MA profiles as a mature stock while MFIN is a value play — different risk/reward profiles.
MFIN carries more volatility with a beta of 0.77 — 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 (70/100 vs 61/100), backed by strong 46.3% margins and 14.1% revenue growth. Both earn "Strong 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.
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.
Visit Website →Medallion Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Medallion Financial Corp. The company is headquartered in New York City, New York.
Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?