Mastercard Inc (MA)vsSUI Group Holdings Limited (SUIG)
MA
Mastercard Inc
$502.76
+0.77%
FINANCIAL SERVICES · Cap: $445.26B
SUIG
SUI Group Holdings Limited
$1.39
+2.21%
FINANCIAL SERVICES · Cap: $198.85M
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 991793% more annual revenue ($32.79B vs $3.31M). MA leads profitability with a 45.7% profit margin vs 45.4%. SUIG trades at a lower P/E of 10.1x. MA earns a higher WallStSmart Score of 70/100 (B).
MA
Strong Buy70
out of 100
Grade: B
SUIG
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+33.1%
Fair Value
$751.54
Current Price
$502.76
$248.78 discount
Margin of Safety
+88.8%
Fair Value
$11.23
Current Price
$1.39
$9.84 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 57.7%
Safe zone — low bankruptcy risk
17.6% revenue growth
Earnings expanding 24.2% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 66.6%
Earnings expanding 83.3% YoY
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
ROE of 2.1% — below average capital efficiency
Trading at 58.1x book value
Smaller company, higher risk/reward
ROE of 7.6% — below average capital efficiency
Weak financial health signals
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : MA
The strongest argument for MA centers on Market Cap, Profit Margin, Operating 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 : SUIG
The strongest argument for SUIG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 45.4% and operating margin at 66.6%.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Return on Equity. Debt-to-equity of 2.45 is elevated, increasing financial risk.
Bear Case : SUIG
The primary concerns for SUIG are Market Cap, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
MA profiles as a growth stock while SUIG is a mature play — different risk/reward profiles.
SUIG carries more volatility with a beta of 1.68 — expect wider price swings.
MA is growing revenue faster at 17.6% — sustainability is the question.
MA generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
MA scores higher overall (70/100 vs 56/100), backed by strong 45.7% margins and 17.6% revenue growth. SUIG offers better value entry with a 88.8% margin of safety. 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 →SUI Group Holdings Limited
FINANCIAL SERVICES · CREDIT SERVICES · USA
SUI Group Holdings Limited is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, or growth. The company is headquartered in Wayzata, Minnesota.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?