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STOCK COMPARISON

Mastercard vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Mastercard (MA) and Visa Inc. Class A (V) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Mastercard trades at $576 versus a fair value of $222 (-61%), while Visa Inc. Class A trades at $370 versus $204 (-45%).
Mastercard
MA · USD · Financials
-61%
upside to fair value
overvalued
Price$576
Fair Value$222
Quality78/100
Visa Inc. Class A
V · USD · Financials
-45%
upside to fair value
overvalued
Price$370
Fair Value$204
Quality79/100

Head-to-head numbers

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

MastercardVisa Inc. Class A
Valuation
30.5×P/E (TTM)30.4×
13.71×P/S (TTM)15.42×
—P/B17.51×
22.1×EV/EBITDA22.0×
1.62×PEG1.53×
0.6%Dividend yield0.8%
$3.26Dividend per share$2.60
Profitability
46%Net margin52%
61%Operating margin67%
232%Return on equity60%
25%Return on assets19%
Growth
16%Revenue growth (YoY)17%
13.8%Avg. growth/yr (3Y)10.9%
16.5%Avg. growth/yr (5Y)12.9%
Balance & size
2.36×Debt / equity0.52×
$465BMarket cap$664B
mixedGrowth qualityhealthy

Visa Inc. Class A 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 61 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
86
76
Quality GrowthAre margins and returns improving?
72
41
CashflowEarnings quality: real cash, not paper profit
86
85
Fin. StrengthBalance sheet, leverage, solvency risk
65
71
InvestmentDisciplined investing over empire-building
69
85
Low VolatilityCalm price path (market factor)
83
83
MomentumPrice trend over the last 3–12 months (market factor)
46
53
52W MomentumDistance to the 52-week high (market factor)
60
72
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$427
Earnings-Based$223
Dividend Discount$60.03
Multiples$202
Asset-Based$5.91
Growth DCF$338
Economic Profit$176
Growth Earnings$333

25 of 26 models see the stock below the current price.

Visa Inc. Class A

DCF Models$283
Earnings-Based$148
Multiples$133
Asset-Based$15.30
Growth DCF$225
Economic Profit$179
Growth Earnings$227

23 of 24 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
$576 = current price (white tick)
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$370 = 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 score78 · Top 25%
Fair value upside-61% · bottom 25%

Visa Inc. Class A · Financials

Quality score79 · Top 25%
Fair value upside-45% · bottom 25%

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: Mastercard trades at $576 versus a fair value of $222 (-61%), while Visa Inc. Class A trades at $370 versus $204 (-45%).

Visa Inc. Class A has the higher quality score (79/100).

See the full analysis →
Mastercard · Visa Inc. Class A

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