Mastercard Inc (MA)vsQfin Holdings, Inc. (QFIN)
MA
Mastercard Inc
$658.10
-1.66%
FINANCIAL SERVICES · Cap: $555.82B
QFIN
Qfin Holdings, Inc.
$5.27
-1.50%
FINANCIAL SERVICES · Cap: $640.74M
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 116% more annual revenue ($36.29B vs $16.77B). MA leads profitability with a 46.7% profit margin vs 22.3%. QFIN trades at a lower P/E of 1.3x. MA earns a higher WallStSmart Score of 70/100 (B).
MA
Strong Buy70
out of 100
Grade: B
QFIN
Buy62
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 47 of every $100 in revenue as profit
Strong operational efficiency at 60.5%
Safe zone — low bankruptcy risk
Earnings expanding 21.7% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.5%
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Generating 1.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 85.0x book value
Elevated debt levels
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 31.6%
Earnings declined 74.3%
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 46.7% and operating margin at 60.5%. Revenue growth of 14.0% demonstrates continued momentum.
Bull Case : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 22.3% and operating margin at 32.5%.
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 : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
MA profiles as a mature stock while QFIN is a declining play — different risk/reward profiles.
MA carries more volatility with a beta of 0.76 — expect wider price swings.
MA is growing revenue faster at 14.0% — 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 62/100), backed by strong 46.7% margins and 14.0% 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 →Qfin Holdings, Inc.
FINANCIAL SERVICES · CREDIT SERVICES · China
360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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