Visa Inc. Class A vs Mastercard: Fair Value & Quality
Both stocks run through our valuation models. Here is how Visa Inc. Class A (V) and Mastercard (MA) 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: Visa Inc. Class A trades at $365 versus a fair value of $198 (-46%), while Mastercard trades at $567 versus $222 (-61%).
Visa Inc. Class A
V · USD · Financials
-46%
upside to fair value
overvalued
Price$365
Fair Value$198
Quality82/100
Mastercard
MA · USD · Financials
-61%
upside to fair value
overvalued
Price$567
Fair Value$222
Quality83/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
Visa Inc. Class AMastercard
Valuation
30.4×P/E (TTM)30.5×
15.42×P/S (TTM)13.71×
17.51×P/B—
22.0×EV/EBITDA22.1×
1.53×PEG1.62×
0.8%Dividend yield0.6%
$2.60Dividend per share$3.26
Profitability
52%Net margin46%
67%Operating margin61%
60%Return on equity232%
19%Return on assets25%
Growth
17%Revenue growth (YoY)16%
10.9%Avg. growth/yr (3Y)13.8%
12.9%Avg. growth/yr (5Y)16.5%
Balance & size
0.52×Debt / equity2.36×
$664BMarket cap$465B
healthyGrowth qualitymixed
Visa Inc. Class A leads: 8 to 5 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.
Visa Inc. Class Aof which business quality 76 · market factors 67Mastercardof which business quality 80 · market factors 60
ProfitabilityMargins and returns on capital today
76
86
Quality GrowthAre margins and returns improving?
41
72
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
85
69
Low VolatilityCalm price path (market factor)
83
83
MomentumPrice trend over the last 3–12 months (market factor)
53
47
52W MomentumDistance to the 52-week high (market factor)
72
55
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.
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.
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.
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.
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$365 = current price (white tick)
Mastercard
Bear $166Fair Value $222Bull $552
$567 = current price (white tick)
Compare two other stocks
Tap a field and type again, ticker or company name.
Free, no sign-up
Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
Visa Inc. Class A · Financials
Quality score82 · Top 25%
Fair value upside-46% · bottom 25%
Mastercard · Financials
Quality score83 · Top 25%
Fair value upside-61% · bottom 25%
Bottom line
As of Aug 14, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Visa Inc. Class A trades at $365 versus a fair value of $198 (-46%), while Mastercard trades at $567 versus $222 (-61%).
Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.
A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
