MA vs WFC: Which Is the Better Buy?
Side-by-side comparison of Mastercard Incorporated and Wells Fargo & Company — 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
Wells Fargo & Company · Financial Services
$86.12
+20.4% 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 |
WFC |
| Current Price |
$574.42 |
$86.12 |
| Fair Value Estimate |
$718.00 |
$103.68 |
| Upside to Fair Value |
+25.0%
|
+20.4%
|
| Market Cap |
$503.8B |
$260.4B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
23.4x
|
15.6x
|
| Price / Sales |
14.4x
|
2.0x
|
| Price / FCF |
30.8x
|
13.7x
|
| Revenue Growth YoY |
+14.1%
|
+11.3%
|
| Gross Margin |
100%
|
64.5%
|
| Operating Margin |
59.8%
|
21.2%
|
| Return on Equity |
232.5%
|
12.6%
|
| Dividend Yield |
0.59% |
2.15% |
| FCF Yield |
3.25%
|
7.3%
|
| 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…
Wells Fargo is a diversified U.S. bank with roughly 197,000 employees operating four segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management. The business quality is solid but not exceptional: trailing return on equity is 12.6%, TTM net margin is 17.5%, and revenue grew 11.3% year over year in the most recent quarter while…
Accumulation Zones
| Metric |
MA |
WFC |
| Zone Low |
$538.50 |
$77.76 |
| Zone High |
$610.30 |
$88.13 |
| In Buy Zone? |
Yes
|
Yes
|