MA vs XOM: Which Is the Better Buy?
Side-by-side comparison of Mastercard Incorporated and Exxon Mobil Corporation — 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
Exxon Mobil Corporation · Energy
$163.18
+10.3% upside to fair value
Med Conviction
Grade B
High Quality
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 |
XOM |
| Current Price |
$574.42 |
$163.18 |
| Fair Value Estimate |
$718.00 |
$179.98 |
| Upside to Fair Value |
+25.0%
|
+10.3%
|
| Market Cap |
$503.8B |
$676.3B |
| Forward P/E |
—
|
—
|
| EV / EBITDA |
23.4x
|
9.9x
|
| Price / Sales |
14.4x
|
1.9x
|
| Price / FCF |
30.8x
|
22.3x
|
| Revenue Growth YoY |
+14.1%
|
+44.1%
|
| Gross Margin |
100%
|
25.1%
|
| Operating Margin |
59.8%
|
10.7%
|
| Return on Equity |
232.5%
|
12.7%
|
| Dividend Yield |
0.59% |
2.52% |
| FCF Yield |
3.25%
|
4.49%
|
| 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…
Exxon Mobil is the largest integrated oil and gas major in the United States, operating across Upstream exploration and production, Downstream refining and fuels marketing, and Chemical manufacturing, with roughly 57,900 employees and a portfolio that spans conventional crude and natural gas, LNG, petrochemicals, and early-stage carbon capture, hydrogen, and biofuels ventures. The business qualit…
Accumulation Zones
| Metric |
MA |
XOM |
| Zone Low |
$538.50 |
$134.98 |
| Zone High |
$610.30 |
$152.98 |
| In Buy Zone? |
Yes
|
No
|