Mastercard vs Bank of America: Fair Value & Quality
Both stocks run through our valuation models. Here is how Mastercard (MA) and Bank of America (BAC) compare, as of Aug 13, 2026.
As of Aug 13, 2026, Fair Value Calculator sees Bank of America as the less overvalued of the two: Mastercard trades at $560 versus a fair value of $222 (-60%), while Bank of America trades at $64.81 versus $50.87 (-22%).
Mastercard
MA · USD · Financials
-60%
upside to fair value
overvalued
Price$560
Fair Value$222
Quality83/100
Bank of America
BAC · USD · Financials
-22%
upside to fair value
overvalued
Price$64.81
Fair Value$50.87
Quality59/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
MastercardBank of America
Valuation
30.5×P/E (TTM)14.8×
13.71×P/S (TTM)3.86×
—P/B1.40×
22.1×EV/EBITDA12.7×
1.62×PEG1.06×
0.6%Dividend yield1.9%
$3.26Dividend per share$1.10
Profitability
46%Net margin29%
61%Operating margin36%
232%Return on equity11%
25%Return on assets1%
Growth
16%Revenue growth (YoY)8%
13.8%Avg. growth/yr (3Y)26.4%
16.5%Avg. growth/yr (5Y)20.9%
Balance & size
2.36×Debt / equity1.05×
$465BMarket cap$423B
mixedGrowth qualitymixed
Bank of America 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 58Bank of Americaof which business quality 51 · market factors 75
ProfitabilityMargins and returns on capital today
86
28
Quality GrowthAre margins and returns improving?
72
62
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
69
88
Low VolatilityCalm price path (market factor)
83
67
MomentumPrice trend over the last 3–12 months (market factor)
45
72
52W MomentumDistance to the 52-week high (market factor)
51
91
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.
Bank of America
Dividend Discount$25.71
Multiples$57.86
Asset-Based$28.63
Economic Profit$42.90
6 of 6 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
$560 = current price (white tick)
Bank of America
Bear $38.16Fair Value $50.87Bull $63.59
$64.81 = 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-60% · bottom 25%
Bank of America · Financials
Quality score59 · above median
Fair value upside-22% · below median
Bottom line
As of Aug 13, 2026, Fair Value Calculator sees Bank of America as the less overvalued of the two: Mastercard trades at $560 versus a fair value of $222 (-60%), while Bank of America trades at $64.81 versus $50.87 (-22%).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
