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STOCK COMPARISON

Mastercard vs Goldman Sachs Group: Fair Value & Quality

Both stocks run through our valuation models. Here is how Mastercard (MA) and Goldman Sachs Group (GS) compare, as of Aug 13, 2026.

As of Aug 13, 2026, Fair Value Calculator sees Goldman Sachs Group as the less overvalued of the two: Mastercard trades at $561 versus a fair value of $222 (-60%), while Goldman Sachs Group trades at $1,034 versus $593 (-43%).
Mastercard
MA · USD · Financials
-60%
upside to fair value
overvalued
Price$561
Fair Value$222
Quality83/100
Goldman Sachs Group
GS · USD · Financials
-43%
upside to fair value
overvalued
Price$1,034
Fair Value$593
Quality53/100

Head-to-head numbers

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

MastercardGoldman Sachs Group
Valuation
30.5×P/E (TTM)17.6×
13.71×P/S (TTM)5.03×
—P/B2.72×
22.1×EV/EBITDA19.6×
1.62×PEG1.57×
0.6%Dividend yield1.5%
$3.26Dividend per share$15.50
Profitability
46%Net margin31%
61%Operating margin42%
232%Return on equity17%
25%Return on assets1%
Growth
16%Revenue growth (YoY)43%
13.8%Avg. growth/yr (3Y)22.1%
16.5%Avg. growth/yr (5Y)18.5%
Balance & size
2.36×Debt / equity2.37×
$465BMarket cap$340B
mixedGrowth qualityexpensive

Goldman Sachs Group 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 58 Goldman Sachs Groupof which business quality 43 · market factors 67
ProfitabilityMargins and returns on capital today
86
29
Quality GrowthAre margins and returns improving?
72
58
CashflowEarnings quality: real cash, not paper profit
86
0
Fin. StrengthBalance sheet, leverage, solvency risk
65
30
InvestmentDisciplined investing over empire-building
69
83
Low VolatilityCalm price path (market factor)
83
51
MomentumPrice trend over the last 3–12 months (market factor)
43
70
52W MomentumDistance to the 52-week high (market factor)
53
80
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.

Goldman Sachs Group

DCF Models$680
Earnings-Based$818
Dividend Discount$334
Multiples$675
Asset-Based$284
Economic Profit$534

8 of 9 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 $561
$561 = current price (white tick)
Goldman Sachs Group
Bear $445Fair Value $593Bull $741
$1,034 = 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%

Goldman Sachs Group · Financials

Quality score53 · below median
Fair value upside-43% · bottom 25%

Bottom line

As of Aug 13, 2026, Fair Value Calculator sees Goldman Sachs Group as the less overvalued of the two: Mastercard trades at $561 versus a fair value of $222 (-60%), while Goldman Sachs Group trades at $1,034 versus $593 (-43%).

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

See the full analysis →
Mastercard · Goldman Sachs Group

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