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STOCK COMPARISON

Mastercard vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Mastercard (MA) and Visa Inc. Class A (V) compare, as of Aug 14, 2026.

As of Aug 14, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Mastercard trades at $567 versus a fair value of $222 (-61%), while Visa Inc. Class A trades at $365 versus $198 (-46%).
Mastercard
MA · USD · Financials
-61%
upside to fair value
overvalued
Price$567
Fair Value$222
Quality83/100
Visa Inc. Class A
V · USD · Financials
-46%
upside to fair value
overvalued
Price$365
Fair Value$198
Quality82/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

MastercardVisa Inc. Class A
Valuation
30.5×P/E (TTM)30.4×
13.71×P/S (TTM)15.42×
—P/B17.51×
22.1×EV/EBITDA22.0×
1.62×PEG1.53×
0.6%Dividend yield0.8%
$3.26Dividend per share$2.60
Profitability
46%Net margin52%
61%Operating margin67%
232%Return on equity60%
25%Return on assets19%
Growth
16%Revenue growth (YoY)17%
13.8%Avg. growth/yr (3Y)10.9%
16.5%Avg. growth/yr (5Y)12.9%
Balance & size
2.36×Debt / equity0.52×
$465BMarket cap$664B
mixedGrowth qualityhealthy

Visa Inc. Class A leads: 5 to 8 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Mastercardof which business quality 80 · market factors 60 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
86
76
Quality GrowthAre margins and returns improving?
72
41
CashflowEarnings quality: real cash, not paper profit
86
85
Fin. StrengthBalance sheet, leverage, solvency risk
65
71
InvestmentDisciplined investing over empire-building
69
85
Low VolatilityCalm price path (market factor)
83
83
MomentumPrice trend over the last 3–12 months (market factor)
47
53
52W MomentumDistance to the 52-week high (market factor)
55
72
Net IssuanceBuybacks instead of dilution
100
100

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Mastercard

DCF Models$342
Earnings-Based$401
Dividend Discount$60.03
Multiples$117
Asset-Based$5.91
Growth DCF$328
Economic Profit$123

12 of 13 models see the stock below the current price.

Visa Inc. Class A

DCF Models$236
Earnings-Based$269
Multiples$94.55
Asset-Based$15.30
Growth DCF$219
Economic Profit$190

10 of 11 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Mastercard
Bear $166Fair Value $222Bull $552
$567 = current price (white tick)
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$365 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Mastercard · Financials

Quality score83 · Top 25%
Fair value upside-61% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-46% · bottom 25%

Bottom line

As of Aug 14, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Mastercard trades at $567 versus a fair value of $222 (-61%), while Visa Inc. Class A trades at $365 versus $198 (-46%).

Mastercard has the higher quality score (83/100).

See the full analysis →
Mastercard · Visa Inc. Class A

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.