WallStSmart

Mastercard Inc (MA)vsSoFi Technologies Inc. (SOFI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mastercard Inc generates 815% more annual revenue ($32.79B vs $3.58B). MA leads profitability with a 45.7% profit margin vs 13.4%. SOFI appears more attractively valued with a PEG of 1.36. MA earns a higher WallStSmart Score of 70/100 (B).

MA

Strong Buy

70

out of 100

Grade: B

Growth: 8.0Profit: 10.0Value: 10.0Quality: 6.0
Piotroski: 6/9Altman Z: 4.08

SOFI

Buy

58

out of 100

Grade: C

Growth: 7.3Profit: 7.0Value: 7.3Quality: 7.0
Piotroski: 4/9Altman Z: 0.45
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MAUndervalued (+34.7%)

Margin of Safety

+34.7%

Fair Value

$752.45

Current Price

$488.47

$263.98 discount

UndervaluedFair: $752.45Overvalued
SOFISignificantly Overvalued (-609.1%)

Margin of Safety

-609.1%

Fair Value

$2.65

Current Price

$17.18

$14.53 premium

UndervaluedFair: $2.65Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MA6 strengths · Avg: 9.7/10
Market CapQuality
$453.80B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
209.9%10/10

Every $100 of equity generates 210 in profit

Profit MarginProfitability
45.7%10/10

Keeps 46 of every $100 in revenue as profit

Operating MarginProfitability
57.7%10/10

Strong operational efficiency at 57.7%

Altman Z-ScoreHealth
4.0810/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
17.6%8/10

17.6% revenue growth

SOFI3 strengths · Avg: 9.0/10
Revenue GrowthGrowth
40.2%10/10

Revenue surging 40.2% year-over-year

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Areas to Watch

MA4 concerns · Avg: 2.8/10
PEG RatioValuation
1.634/10

Expensive relative to growth rate

P/E RatioValuation
30.8x4/10

Premium valuation, high expectations priced in

Price/BookValuation
56.5x2/10

Trading at 56.5x book value

Debt/EquityHealth
2.451/10

Elevated debt levels

SOFI4 concerns · Avg: 2.3/10
Return on EquityProfitability
5.7%3/10

ROE of 5.7% — below average capital efficiency

P/E RatioValuation
45.2x2/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-57.0%2/10

Earnings declined 57.0%

Free Cash FlowQuality
$-1.06B2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : MA

The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.7% and operating margin at 57.7%. Revenue growth of 17.6% demonstrates continued momentum.

Bull Case : SOFI

The strongest argument for SOFI centers on Revenue Growth, Debt/Equity, Price/Book. Revenue growth of 40.2% demonstrates continued momentum. PEG of 1.36 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 2.45 is elevated, increasing financial risk.

Bear Case : SOFI

The primary concerns for SOFI are Return on Equity, P/E Ratio, EPS Growth. A P/E of 45.2x leaves little room for execution misses.

Key Dynamics to Monitor

SOFI carries more volatility with a beta of 2.26 — expect wider price swings.

SOFI is growing revenue faster at 40.2% — sustainability is the question.

MA generates stronger free cash flow (4.8B), providing more financial flexibility.

Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MA scores higher overall (70/100 vs 58/100), backed by strong 45.7% margins and 17.6% 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.

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SoFi Technologies Inc.

FINANCIAL SERVICES · CREDIT SERVICES · USA

SoFi Technologies, Inc. provides digital financial services. The company is headquartered in San Francisco, California.

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