BAC vs MA: Which Is the Better Buy?
Side-by-side comparison of Bank of America Corporation and Mastercard Incorporated — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-09-22.
Bank of America Corporation · Financial Services
$57.96
+15.7% upside to fair value
Med Conviction
Grade B
VS
Mastercard Incorporated · Financial Services
$574.42
+25.0% upside to fair value
Med Conviction
Grade A-
High Quality
QuantHub Verdict
MA has more upside to fair value
(+25.0%).
These are model outputs — not personalized investment advice.
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Valuation & Fundamentals
| Metric |
BAC |
MA |
| Current Price |
$57.96 |
$574.42 |
| Fair Value Estimate |
$67.08 |
$718.00 |
| Upside to Fair Value |
+15.7%
|
+25.0%
|
| Market Cap |
$411.3B |
$503.8B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
24.4x
|
23.4x
|
| Price / Sales |
2.1x
|
14.4x
|
| Price / FCF |
4.4x
|
30.8x
|
| Revenue Growth YoY |
+5.8%
|
+14.1%
|
| Gross Margin |
59.3%
|
100%
|
| Operating Margin |
22.5%
|
59.8%
|
| Return on Equity |
11.1%
|
232.5%
|
| Dividend Yield |
2.0% |
0.59% |
| FCF Yield |
22.88%
|
3.25%
|
| Analyst Consensus |
Buy
|
Strong Buy
|
Investment Thesis
Bank of America Corporation is a diversified U.S. money-center bank operating through Consumer Banking, Global Wealth & Investment Management, Global Banking, and Global Markets, serving roughly 67 million consumer and small business clients through about 4,200 retail financial centers and 16,000 ATMs as of the last detailed disclosure. The franchise quality is solid but not exceptional: TTM net …
Mastercard operates a global payments network that connects issuers, acquirers, merchants and consumers across more than 200 countries and territories, monetizing payment volumes, cross-border activity and higher-growth value-added services. Business quality is high because its two-sided network, trusted authorization-clearing-settlement infrastructure, brand, security capabilities and broad acce…
Accumulation Zones
| Metric |
BAC |
MA |
| Zone Low |
$50.31 |
$538.50 |
| Zone High |
$57.02 |
$610.30 |
| In Buy Zone? |
No
|
Yes
|