MA vs NOW: Which Is the Better Buy?
Side-by-side comparison of Mastercard Incorporated and ServiceNow, Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-07-18.
Mastercard Incorporated · Financial Services
$543.60
+45.0% upside to fair value
High Conviction
Grade A
High Quality
VS
ServiceNow, Inc. · Technology
$103.24
+45.0% upside to fair value
Grade B
High Quality
Valuation & Fundamentals
| Metric |
MA |
NOW |
| Current Price |
$543.60 |
$103.24 |
| Fair Value Estimate |
$788.22 |
$149.70 |
| Upside to Fair Value |
+45.0%
|
+45.0%
|
| Market Cap |
$480.3B |
$106.5B |
| Forward P/E |
—
|
61.1x
|
| EV / EBITDA |
23.3x
|
32.9x
|
| Price / Sales |
14.2x
|
7.6x
|
| Price / FCF |
27.1x
|
23.0x
|
| Revenue Growth YoY |
+15.8%
|
+22.1%
|
| Gross Margin |
83.0%
|
76.6%
|
| Operating Margin |
59.4%
|
13.4%
|
| Return on Equity |
206.1%
|
15.0%
|
| Dividend Yield |
0.62% |
0% |
| FCF Yield |
3.69%
|
4.35%
|
| Analyst Consensus |
Strong Buy
|
Strong Buy
|
Investment Thesis
Mastercard operates a global two-sided payments network that connects issuers, acquirers, merchants and cardholders, monetizing payment volumes and an expanding set of security, data, authentication and other value-added services. Business quality is high: the network benefits from powerful acceptance and scale effects, 83.0% gross margin, 59.4% operating margin, 45.9% net margin, 206.1% ROE, and…
ServiceNow, Inc. operates in the technology sector specializing in software applications, delivering high-quality enterprise cloud solutions with a durable competitive moat evidenced by a 15% return on equity and strong gross margins of 76.6%. The company is currently in an investing growth phase with 22.1% revenue growth in the most recent quarter, although earnings growth is modest at 2.0%. Des…
Accumulation Zones
| Metric |
MA |
NOW |
| Zone Low |
$591.16 |
$112.27 |
| Zone High |
$669.99 |
$127.24 |
| In Buy Zone? |
Yes
|
Yes
|