MA vs UPS: Which Is the Better Buy?
Side-by-side comparison of Mastercard Incorporated and United Parcel Service, Inc. — fair value, conviction, valuation metrics, and QuantHub research signals.
Updated 2026-09-19.
Mastercard Incorporated · Financial Services
$574.42
+25.0% upside to fair value
Med Conviction
Grade A-
High Quality
VS
United Parcel Service, Inc. · Industrials
$99.02
+21.1% upside to fair value
Med Conviction
Grade B
QuantHub Verdict
MA has more upside to fair value
(+25.0%).
These are model outputs — not personalized investment advice.
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Valuation & Fundamentals
| Metric |
MA |
UPS |
| Current Price |
$574.42 |
$99.02 |
| Fair Value Estimate |
$718.00 |
$119.92 |
| Upside to Fair Value |
+25.0%
|
+21.1%
|
| Market Cap |
$503.8B |
$84.1B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
23.4x
|
10.2x
|
| Price / Sales |
14.4x
|
0.9x
|
| Price / FCF |
30.8x
|
15.3x
|
| Revenue Growth YoY |
+14.1%
|
+7.6%
|
| Gross Margin |
100%
|
16.6%
|
| Operating Margin |
59.8%
|
7.3%
|
| Return on Equity |
232.5%
|
29.1%
|
| Dividend Yield |
0.59% |
6.62% |
| FCF Yield |
3.25%
|
6.52%
|
| Analyst Consensus |
Strong Buy
|
Hold
|
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…
United Parcel Service is the world's largest integrated package delivery and logistics network, operating U.S. Domestic Package and International Package segments with roughly 460,000 employees and a 119-year operating history. The business quality is medium: the global air-and-ground network, brand, and scale are genuine assets, but the company is exposed to commoditized freight, Amazon volume c…
Accumulation Zones
| Metric |
MA |
UPS |
| Zone Low |
$538.50 |
$89.94 |
| Zone High |
$610.30 |
$101.93 |
| In Buy Zone? |
Yes
|
Yes
|