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 2026-04-11.
Bank of America Corporation · Financial Services
$52.54
+7.3% upside to fair value
Grade B+
VS
Mastercard Incorporated · Financial Services
$498.66
+22.3% upside to fair value
High Conviction
Grade A-
QuantHub Verdict
MA has more upside to fair value
(+22.3%).
BAC trades at a lower forward P/E
(12.1x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
BAC |
MA |
| Current Price |
$52.54 |
$498.66 |
| Fair Value Estimate |
$56.39 |
$610.00 |
| Upside to Fair Value |
+7.3%
|
+22.3%
|
| Market Cap |
$377.1B |
$445.0B |
| Forward P/E |
12.1x
|
25.5x
|
| EV / EBITDA |
12.8x
|
22.4x
|
| Price / Sales |
2.0x
|
13.6x
|
| Price / FCF |
29.9x
|
26.0x
|
| Revenue Growth YoY |
-0.5%
|
+16.4%
|
| Gross Margin |
56.1%
|
83.4%
|
| Operating Margin |
19.7%
|
59.2%
|
| Return on Equity |
10.1%
|
198.4%
|
| Dividend Yield |
2.09% |
0.65% |
| FCF Yield |
3.35%
|
3.84%
|
| Analyst Consensus |
Buy
|
Strong Buy
|
Investment Thesis
Bank of America is a top-two U.S. bank by assets with $3.4 trillion on its balance sheet, generating $30.5 billion in net income in 2025 on the back of 12.5% earnings growth. The bank benefits from scale in consumer deposits, a recovering investment banking franchise, and an expanding digital platform serving 47 million active users. At 12.7x trailing earnings and 1.97x sales, BAC trades at a fai…
Mastercard operates one of the world's two dominant payment networks, processing over $9 trillion in gross dollar volume annually across 220+ countries. The business generates 83% gross margins and 46% net margins with zero credit risk because Mastercard never lends money, only collecting tolls on every transaction. Value-Added Services (analytics, fraud prevention, cybersecurity) now comprise 41…
Accumulation Zones
| Metric |
BAC |
MA |
| Zone Low |
$42.29 |
$460.00 |
| Zone High |
$47.93 |
$515.00 |
| In Buy Zone? |
No
|
Yes
|