JPM vs MA: Which Is the Better Buy?
Side-by-side comparison of JPMorgan Chase & Co. and Mastercard Incorporated — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-04-11.
JPMorgan Chase & Co. · Financial Services
$309.87
-6.4% upside to fair value
High Conviction
Grade A-
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%).
JPM trades at a lower forward P/E
(14.3x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
JPM |
MA |
| Current Price |
$309.87 |
$498.66 |
| Fair Value Estimate |
$290.00 |
$610.00 |
| Upside to Fair Value |
-6.4%
|
+22.3%
|
| Market Cap |
$835.7B |
$445.0B |
| Forward P/E |
14.3x
|
25.5x
|
| EV / EBITDA |
17.6x
|
22.4x
|
| Price / Sales |
3.0x
|
13.6x
|
| Price / FCF |
—
|
26.0x
|
| Revenue Growth YoY |
+3.3%
|
+16.4%
|
| Gross Margin |
59.99%
|
83.4%
|
| Operating Margin |
25.9%
|
59.2%
|
| Return on Equity |
15.95%
|
198.4%
|
| Dividend Yield |
1.9% |
0.65% |
| FCF Yield |
—
|
3.84%
|
| Analyst Consensus |
Overweight
|
Strong Buy
|
Investment Thesis
JPMorgan Chase is the largest U.S. bank by assets ($4.4T) and the most diversified financial services franchise globally, operating across consumer banking, investment banking, commercial banking, and asset management. Under Jamie Dimon's two-decade leadership, the firm has consistently gained market share, delivered sector-leading ROE of 16%, and invested aggressively in technology ($17B+ annual…
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 |
JPM |
MA |
| Zone Low |
$220.00 |
$460.00 |
| Zone High |
$250.00 |
$515.00 |
| In Buy Zone? |
No
|
Yes
|