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 2026-09-17.
Mastercard Incorporated · Financial Services
$574.42
+25.0% upside to fair value
Med Conviction
Grade A-
High Quality
VS
ServiceNow, Inc. · Technology
$139.82
+16.2% 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.
See all research →
Valuation & Fundamentals
| Metric |
MA |
NOW |
| Current Price |
$574.42 |
$139.82 |
| Fair Value Estimate |
$718.00 |
$162.50 |
| Upside to Fair Value |
+25.0%
|
+16.2%
|
| Market Cap |
$503.8B |
$144.6B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
23.4x
|
43.1x
|
| Price / Sales |
14.4x
|
9.8x
|
| Price / FCF |
30.8x
|
31.5x
|
| Revenue Growth YoY |
+14.1%
|
+24.0%
|
| Gross Margin |
100%
|
74.8%
|
| Operating Margin |
59.8%
|
11.4%
|
| Return on Equity |
232.5%
|
13.8%
|
| Dividend Yield |
0.59% |
0% |
| FCF Yield |
3.25%
|
3.17%
|
| Analyst Consensus |
Strong Buy
|
Strong Buy
|
Investment Thesis
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…
ServiceNow provides a cloud-based enterprise workflow platform spanning IT service management, operations, employee workflows, CRM, AI orchestration and security. Business quality is high because its common data model, deeply embedded workflows and cross-department deployments create meaningful switching costs, while roughly 90% of the Fortune 500 use the platform and more than 85 billion workflo…
Accumulation Zones
| Metric |
MA |
NOW |
| Zone Low |
$538.50 |
$121.88 |
| Zone High |
$610.30 |
$138.12 |
| In Buy Zone? |
Yes
|
No
|