Mastercard Inc (MA)vsOportun Financial Corp (OPRT)
MA
Mastercard Inc
$491.08
+0.13%
FINANCIAL SERVICES · Cap: $422.07B
OPRT
Oportun Financial Corp
$4.82
+2.12%
FINANCIAL SERVICES · Cap: $225.03M
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 4565% more annual revenue ($33.94B vs $727.47M). MA leads profitability with a 45.9% profit margin vs 2.5%. OPRT trades at a lower P/E of 13.3x. MA earns a higher WallStSmart Score of 70/100 (B).
MA
Strong Buy70
out of 100
Grade: B
OPRT
Hold41
out of 100
Grade: D
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 232 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 60.8%
Safe zone — low bankruptcy risk
15.8% revenue growth
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 64.8x book value
Elevated debt levels
1.3% revenue growth
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
2.5% margin — thin
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 45.9% and operating margin at 60.8%. Revenue growth of 15.8% demonstrates continued momentum.
Bull Case : OPRT
The strongest argument for OPRT centers on Price/Book, P/E Ratio.
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.
Bear Case : OPRT
The primary concerns for OPRT are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 6.87 is elevated, increasing financial risk. Thin 2.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
MA profiles as a growth stock while OPRT is a value play — different risk/reward profiles.
OPRT carries more volatility with a beta of 1.25 — 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 41/100), 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.
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 →Oportun Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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