Mastercard Inc (MA)vsVisa Inc. Class A (V)
MA
Mastercard Inc
$658.10
-1.66%
FINANCIAL SERVICES · Cap: $555.82B
V
Visa Inc. Class A
$420.37
-1.20%
FINANCIAL SERVICES · Cap: $773.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 26% more annual revenue ($45.90B vs $36.29B). V leads profitability with a 51.2% profit margin vs 46.7%. MA appears more attractively valued with a PEG of 1.67. V earns a higher WallStSmart Score of 70/100 (B).
MA
Strong Buy70
out of 100
Grade: B
V
Strong Buy70
out of 100
Grade: B
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
Mega-cap, among the largest globally
Every $100 of equity generates 64 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 63.7%
Earnings expanding 21.9% YoY
Generating 6.1B 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
Expensive relative to growth rate
Premium valuation, high expectations priced in
Grey zone — moderate risk
Trading at 21.6x book value
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 : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.2% and operating margin at 63.7%. Revenue growth of 13.2% demonstrates continued momentum.
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 : V
The primary concerns for V are PEG Ratio, P/E Ratio, Altman Z-Score.
Key Dynamics to Monitor
V carries more volatility with a beta of 0.77 — expect wider price swings.
MA is growing revenue faster at 14.0% — sustainability is the question.
V generates stronger free cash flow (6.1B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MA scores higher overall (70/100 vs 70/100), backed by strong 46.7% margins and 14.0% revenue growth. Both earn "Strong Buy" and "Strong 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 →Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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