Mastercard vs Morgan Stanley: Fair Value & Quality
Both stocks run through our valuation models. Here is how Mastercard (MA) and Morgan Stanley (MS) compare, as of Aug 13, 2026.
As of Aug 13, 2026, Fair Value Calculator sees Morgan Stanley as the less overvalued of the two: Mastercard trades at $560 versus a fair value of $222 (-60%), while Morgan Stanley trades at $218 versus $139 (-36%).
Mastercard
MA · USD · Financials
-60%
upside to fair value
overvalued
Price$560
Fair Value$222
Quality83/100
Morgan Stanley
MS · USD · Financials
-36%
upside to fair value
overvalued
Price$218
Fair Value$139
Quality67/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
MastercardMorgan Stanley
Valuation
30.5×P/E (TTM)20.1×
13.71×P/S (TTM)4.79×
—P/B3.14×
22.1×EV/EBITDA22.1×
1.62×PEG2.64×
0.6%Dividend yield1.8%
$3.26Dividend per share$4.00
Profitability
46%Net margin25%
61%Operating margin41%
232%Return on equity16%
25%Return on assets1%
Growth
16%Revenue growth (YoY)16%
13.8%Avg. growth/yr (3Y)22.5%
16.5%Avg. growth/yr (5Y)18.3%
Balance & size
2.36×Debt / equity3.13×
$465BMarket cap$351B
mixedGrowth qualitymixed
Morgan Stanley leads: 6 to 7 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 58Morgan Stanleyof which business quality 62 · market factors 74
ProfitabilityMargins and returns on capital today
86
31
Quality GrowthAre margins and returns improving?
72
56
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
69
82
Low VolatilityCalm price path (market factor)
83
58
MomentumPrice trend over the last 3–12 months (market factor)
45
75
52W MomentumDistance to the 52-week high (market factor)
51
91
Net IssuanceBuybacks instead of dilution
100
96
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.
Morgan Stanley
DCF Models$128
Earnings-Based$211
Dividend Discount$79.85
Multiples$119
Asset-Based$47.42
Growth DCF$330
Economic Profit$95.82
11 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.
Mastercard
Bear $166Fair Value $222Bull $552
$560 = current price (white tick)
Morgan Stanley
Bear $76.96Fair Value $139Bull $228
$218 = 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%
Morgan Stanley · Financials
Quality score67 · Top 25%
Fair value upside-36% · below median
Bottom line
As of Aug 13, 2026, Fair Value Calculator sees Morgan Stanley as the less overvalued of the two: Mastercard trades at $560 versus a fair value of $222 (-60%), while Morgan Stanley trades at $218 versus $139 (-36%).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
