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STOCK COMPARISON

Goldman Sachs Group vs Mastercard: Fair Value & Quality

Both stocks run through our valuation models. Here is how Goldman Sachs Group (GS) and Mastercard (MA) compare, as of Sep 4, 2026.

As of Sep 4, 2026, Fair Value Calculator sees Goldman Sachs Group as the less overvalued of the two: Goldman Sachs Group trades at $1,038 versus a fair value of $757 (-27%), while Mastercard trades at $586 versus $222 (-62%).
Goldman Sachs Group
GS · USD · Financials
-27%
upside to fair value
overvalued
Price$1,038
Fair Value$757
Quality53/100
Mastercard
MA · USD · Financials
-62%
upside to fair value
overvalued
Price$586
Fair Value$222
Quality83/100
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Head-to-head numbers

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

Goldman Sachs GroupMastercard
Valuation
17.6×P/E (TTM)30.5×
5.03×P/S (TTM)13.71×
2.72×P/B—
19.6×EV/EBITDA22.1×
1.57×PEG1.62×
−27.1%Fair value upside−62.1%
1.5%Dividend yield0.6%
$15.50Dividend per share$3.26
Profitability
42%Operating margin61%
0.75×EBIT margin trend (5Y)1.12×
17%Return on equity232%
1%Return on assets25%
Growth
43%Revenue growth (YoY)16%
22.1%Avg. growth/yr (3Y)13.8%
18.5%Avg. growth/yr (5Y)16.5%
+17.1%Value creation/yr+17.1%
Balance & size
0.3×Interest coverage (EBIT/interest)26.9×
2.37×Debt / equity2.36×
$340BMarket cap$465B
expensiveGrowth qualitymixed

Goldman Sachs Group leads: 8 to 6 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.

Goldman Sachs Groupof which business quality 43 · market factors 65 Mastercardof which business quality 80 · market factors 64
ProfitabilityMargins and returns on capital today
29
86
Quality GrowthAre margins and returns improving?
58
72
CashflowEarnings quality: real cash, not paper profit
0
86
Fin. StrengthBalance sheet, leverage, solvency risk
30
65
InvestmentDisciplined investing over empire-building
83
69
Low VolatilityCalm price path (market factor)
51
83
MomentumPrice trend over the last 3–12 months (market factor)
66
53
52W MomentumDistance to the 52-week high (market factor)
79
62
Net IssuanceBuybacks instead of dilution
100
100

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyGoldman Sachs GroupPrice $1,038MastercardPrice $586
DCF Models-34%below the price$680-42%below the price$341
Earnings-Based-21%below the price$818-32%below the price$400
Dividend Discount-68%below the price$334-90%below the price$60.03
Multiples-35%below the price$675-80%below the price$117
Asset-Based-73%below the price$284-99%below the price$5.91
Growth DCFn/a-44%below the price$328
Economic Profit-49%below the price$534-79%below the price$123
Minimum-73%below the price$284-99%below the price$5.91
Maximum-21%below the price$818-32%below the price$400
Median-42%below the price$604-79%below the price$123
Geometric mean-50%below the price$517-81%below the price$113

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Goldman Sachs Group: 8 of 9 models see the stock below the current price.

Mastercard: 13 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.

Goldman Sachs Group
Bear $406Fair Value $757Bull $946
$1,038 = current price (white tick)
Mastercard
Bear $166Fair Value $222Bull $551
$586 = 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.

Goldman Sachs Group · Financials

Quality score53 · below median
Fair value upside-27% · below median

Mastercard · Financials

Quality score83 · Top 25%
Fair value upside-62% · bottom 25%

Bottom line

As of Sep 4, 2026, Fair Value Calculator sees Goldman Sachs Group as the less overvalued of the two: Goldman Sachs Group trades at $1,038 versus a fair value of $757 (-27%), while Mastercard trades at $586 versus $222 (-62%).

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

See the full analysis →
Goldman Sachs Group · Mastercard

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.