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 2026-05-13.
Mastercard Incorporated · Financial Services
$499.81
+5.0% upside to fair value
Grade B+
High Quality
VS
Exxon Mobil Corporation · Energy
$154.46
-40.5% upside to fair value
Grade C
QuantHub Verdict
MA has more upside to fair value
(+5.0%).
XOM trades at a lower forward P/E
(23.2x).
These are model outputs — not personalized investment advice.
See all research →
Valuation & Fundamentals
| Metric |
MA |
XOM |
| Current Price |
$499.81 |
$154.46 |
| Fair Value Estimate |
$525.00 |
$91.87 |
| Upside to Fair Value |
+5.0%
|
-40.5%
|
| Market Cap |
$441.6B |
$642.0B |
| Forward P/E |
28.6x
|
23.2x
|
| EV / EBITDA |
21.3x
|
10.3x
|
| Price / Sales |
13.0x
|
2.0x
|
| Price / FCF |
24.9x
|
27.2x
|
| Revenue Growth YoY |
+15.8%
|
-1.3%
|
| Gross Margin |
83.0%
|
21.7%
|
| Operating Margin |
59.4%
|
10.5%
|
| Return on Equity |
206.1%
|
11.0%
|
| Dividend Yield |
0.6% |
0% |
| FCF Yield |
4.01%
|
3.68%
|
| Analyst Consensus |
Strong Buy
|
Buy
|
Investment Thesis
Mastercard is one of two global payment network duopolists alongside Visa, with structurally high margins (83% gross, 59% operating, 46% net), powerful network effects, and durable secular tailwinds from the ongoing cash-to-card and card-to-digital migration. Q1 2026 results reported April 30 showed revenue of $8.40 billion (+15.8% YoY) and EPS of $4.35 (+20.8% YoY), driven by continued cross-bor…
Exxon Mobil Corporation operates as a global integrated oil and gas company with significant operations in upstream, energy products, chemical products, and specialty products segments. The company benefits from a highly experienced management team with decades of internal tenure, led by CEO Darren Woods. Despite strong cash flow generation and operational scale, Exxon is currently overvalued, tr…
Accumulation Zones
| Metric |
MA |
XOM |
| Zone Low |
$393.75 |
$68.90 |
| Zone High |
$446.25 |
$78.09 |
| In Buy Zone? |
No
|
No
|