MA vs MS: Which Is the Better Buy?
Side-by-side comparison of Mastercard Incorporated and Morgan Stanley — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-04-22.
Mastercard Incorporated · Financial Services
$521.30
+95.4% upside to fair value
Grade B
High Quality
VS
Morgan Stanley · Financial Services
$189.30
-30.5% upside to fair value
Grade C
High Quality
QuantHub Verdict
MA has more upside to fair value
(+95.4%).
MS trades at a lower forward P/E
(16.4x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
MA |
MS |
| Current Price |
$521.30 |
$189.30 |
| Fair Value Estimate |
$1,018.59 |
$131.49 |
| Upside to Fair Value |
+95.4%
|
-30.5%
|
| Market Cap |
$465.2B |
$300.6B |
| Forward P/E |
31.2x
|
16.4x
|
| EV / EBITDA |
23.4x
|
24.4x
|
| Price / Sales |
14.2x
|
2.5x
|
| Price / FCF |
27.2x
|
-16.8x
|
| Revenue Growth YoY |
+17.6%
|
+18.8%
|
| Gross Margin |
83.4%
|
58.0%
|
| Operating Margin |
59.2%
|
19.5%
|
| Return on Equity |
198.4%
|
16.7%
|
| Dividend Yield |
0% |
0% |
| FCF Yield |
3.67%
|
—
|
| Analyst Consensus |
Strong Buy
|
Hold
|
Investment Thesis
Mastercard Incorporated operates a leading global payments network and value-added services platform, benefiting from strong secular growth in digital payments and cybersecurity. The company exhibits high business quality with a durable competitive moat supported by network effects, brand strength, and intangible assets. It has demonstrated robust earnings growth with a 21.5% increase in the most…
Morgan Stanley is a leading global financial services firm operating in Institutional Securities, Wealth Management, and Investment Management. The company benefits from a durable competitive moat supported by its systemically important status, diversified revenue streams, and strong management with a 36-year veteran CEO. Despite solid fundamentals including 14.2% revenue growth in 2025 and 16.7%…
Accumulation Zones
| Metric |
MA |
MS |
| Zone Low |
$763.94 |
$98.62 |
| Zone High |
$865.80 |
$111.77 |
| In Buy Zone? |
Yes
|
No
|