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STOCK COMPARISON

Mastercard vs Royal Bank of Canada: Fair Value & Quality

Both stocks run through our valuation models. Here is how Mastercard (MA) and Royal Bank of Canada (RY) compare, as of Aug 16, 2026.

As of Aug 16, 2026, Fair Value Calculator sees Royal Bank of Canada as the less overvalued of the two: Mastercard trades at $569 versus a fair value of $222 (-61%), while Royal Bank of Canada trades at $217 versus $152 (-30%).
Mastercard
MA · USD · Financials
-61%
upside to fair value
overvalued
Price$569
Fair Value$222
Quality83/100
Royal Bank of Canada
RY · USD · Financials
-30%
upside to fair value
overvalued
Price$217
Fair Value$152
Quality63/100

Head-to-head numbers

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

MastercardRoyal Bank of Canada
Valuation
30.5×P/E (TTM)19.5×
13.71×P/S (TTM)4.46×
—P/B2.11×
22.1×EV/EBITDA19.5×
1.62×PEG2.34×
0.6%Dividend yield3.1%
$3.26Dividend per share$6.36
Profitability
46%Net margin34%
61%Operating margin45%
232%Return on equity16%
25%Return on assets1%
Growth
16%Revenue growth (YoY)16%
13.8%Avg. growth/yr (3Y)27.1%
16.5%Avg. growth/yr (5Y)17.6%
Balance & size
2.36×Debt / equity2.54×
$465BMarket cap$293B
mixedGrowth qualityhealthy

Royal Bank of Canada 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 61 Royal Bank of Canadaof which business quality 57 · market factors 87
ProfitabilityMargins and returns on capital today
86
30
Quality GrowthAre margins and returns improving?
72
62
CashflowEarnings quality: real cash, not paper profit
86
100
Fin. StrengthBalance sheet, leverage, solvency risk
65
13
InvestmentDisciplined investing over empire-building
69
74
Low VolatilityCalm price path (market factor)
83
83
MomentumPrice trend over the last 3–12 months (market factor)
49
82
52W MomentumDistance to the 52-week high (market factor)
56
100
Net IssuanceBuybacks instead of dilution
100
83

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.

Royal Bank of Canada

Dividend Discount$121
Multiples$165
Asset-Based$67.06
Economic Profit$131

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
$569 = current price (white tick)
Royal Bank of Canada
Bear $114Fair Value $152Bull $190
$217 = 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-61% · bottom 25%

Royal Bank of Canada · Financials

Quality score63 · Top 25%
Fair value upside-30% · below median

Bottom line

As of Aug 16, 2026, Fair Value Calculator sees Royal Bank of Canada as the less overvalued of the two: Mastercard trades at $569 versus a fair value of $222 (-61%), while Royal Bank of Canada trades at $217 versus $152 (-30%).

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

See the full analysis →
Mastercard · Royal Bank of Canada

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