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The Campbell's Company (CPB) vs Mastercard Incorporated (MA): Which Is the Better Buy in 2026?

As of 2026-08-03, CPB is undervalued at $22, with a DCF intrinsic value of $2404498067 and a margin of safety of 100%. MA is fairly valued at $573, with an intrinsic value of $558 and a margin of safety of -3%. Of the two, CPB has the wider margin of safety.

CPB
The Campbell's Company
$21.98
VS
MA
Mastercard Incorporated
$573.10

Rewards

CPB
  • ★The Campbell's Company scores 78/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★Trailing P/E of 10.8x is 41% below the historical average of 18.4x — potentially undervalued relative to its own history.
  • ★PEG ratio of 0.73 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
MA
  • ★Mastercard Incorporated has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Gross margin of 100.0% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Mastercard Incorporated scores 99/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.

Risks

CPB
  • ⚠High leverage (1.72x net debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
  • ⚠Net debt/EBITDA of 4.1x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.
  • ⚠Altman Z-Score of 1.37 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
MA
  • ⚠High leverage (2.33x net debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
  • ⚠5 insider sales totaling $22.1M with no purchases in the past 3 months — insiders are reducing their exposure.

Key Valuation Metrics

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CPB
MA
Valuation
$603.25M
Free Cash Flow
$16.96B
N/A
FCF Yield
3.38%
10.77
Trailing P/E
31.54
11.29
Forward P/E
24.96
Quality & Moat
9.04%
ROIC
55.99%
15.39%
ROE
241.20%
29.20%
Gross Margin
100.00%
0.73
PEG Ratio
1.76
Balance Sheet Safety
1.72
Net Debt / Equity
2.33
N/A
Interest Coverage
N/A
4.07
Net Debt / EBITDA
0.59
7.10%
Dividend Yield
0.61%
CPB: 5Ties: 1MA: 5
CPBMA

Historical Fundamentals

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CPB

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

MA

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

$1 Retained Earnings Test

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CPB
$-0.00
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$676.0M
Δ Market Cap
$-28.88
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
MA
$5.62
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$31.68B
Δ Market Cap
+$177.96B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Discounted Cash Flow (DCF) Analysis

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CPB
100.0% Margin of Safety
Price is 100.0% below estimated fair value
Current Price: $21.98
Fair Value: $2404498066.62
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
MA
2.7% Overvalued
Price is 2.7% above estimated fair value
Current Price: $573.10
Fair Value: $557.89
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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CPB

What growth rate is the market pricing in at $22?

-0.1%
Market-Implied Owner Earnings Growth
Standard FCF implies +0.1%

The market implies -0.1% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +0.1%, reflecting heavy growth investment.

MA

What growth rate is the market pricing in at $573?

+15.1%
Market-Implied Owner Earnings Growth
Standard FCF implies +13.4%

The market implies +15.1% Owner Earnings growth, roughly in line with history — reasonably priced.

Standard FCF implies +13.4%, reflecting ongoing growth investment.

Economic Moat Score

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CPB
78/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by revenue predictability. ROIC Consistency is the area most vulnerable to competitive pressure.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
MA
99/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.

Forensic Accounting

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CPB
-2.70
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
MA
-2.53
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Ownership Breakdown

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CPB
Insiders 37.5%Institutions 64.5%
No. of Institutional Holders824
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
MA
Insiders 0.1%Institutions 91.5%Retail & Other 8.3%
No. of Institutional Holders4,764
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

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CPB
1
Buys (3M)
1
Buys (12M)
Total value (12M): $6,435
DORRANCE BENNETT JR.
Director
$6,435
@ $21.45 · 2026-06-09
Open market purchases · includes direct & indirect ownership · excludes option exercises
MA
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises

Open market purchases · includes direct & indirect ownership · excludes option exercises.

Insider Selling Activity

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CPB
0
Sells (3M)
2
Sells (12M)
Total value (12M): $396,653
SANZIO ANTHONY
Officer
$71,578
@ $26.51 · 2026-01-09
BRAWLEY CHARLES A. III
General Counsel
$325,075
@ $28.15 · 2025-12-30
BRAWLEY CHARLES A. III
General Counsel
$100,000
@ $40.03 · 2025-03-31
SANZIO ANTHONY
Officer
$83,805
@ $41.90 · 2025-01-03
SANZIO ANTHONY
Officer
$187,528
@ $46.88 · 2024-10-03
POLOMSKI STANLEY
Officer
$649,690
@ $48.34 · 2024-10-01
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
MA
5
Sells (3M)
10
Sells (12M)
Total value (12M): $53.72M
MCLAUGHLIN EDWARD GRUNDE
Officer
$10.59M
@ $534.87 · 2026-07-15
ARKELL SANDRA A
Officer
$185,760
@ $540.00 · 2026-07-15
ARKELL SANDRA A
Officer
$216,000
@ $540.00 · 2026-07-07
SESHADRI RAJEEV
Officer
$3.58M
@ $526.37 · 2026-07-02
MCLAUGHLIN EDWARD GRUNDE
Officer
$7.49M
@ $525.19 · 2026-07-01
LING HAI
Officer
$4.48M
@ $499.20 · 2026-02-24
SACHIN J. MEHRA
Chief Financial Officer
$10.20M
@ $591.00 · 2025-09-02
LING HAI
Officer
$2.69M
@ $600.00 · 2025-08-22
SACHIN J. MEHRA
Chief Financial Officer
$10.46M
@ $586.89 · 2025-08-19
SACHIN J. MEHRA
Chief Financial Officer
$3.83M
@ $566.46 · 2025-08-05
GENACHOWSKI JULIUS
Director
$178,049
@ $570.67 · 2025-07-07
KIRKPATRICK LINDA PISTECCHIA
Officer
$536,480
@ $560.00 · 2025-06-30
SESHADRI RAJEEV
Officer
$601,447
@ $546.77 · 2025-06-27
GENACHOWSKI JULIUS
Director
$173,910
@ $561.00 · 2025-06-24
KIRKPATRICK LINDA PISTECCHIA
Officer
$536,480
@ $560.00 · 2025-06-24
SESHADRI RAJEEV
Officer
$508,474
@ $535.80 · 2025-06-20
VOSBURG CRAIG
Officer
$5.02M
@ $532.97 · 2025-06-20
SESHADRI RAJEEV
Officer
$1.76M
@ $561.78 · 2025-06-16
KIRKPATRICK LINDA PISTECCHIA
Officer
$549,373
@ $572.86 · 2025-06-13
VOSBURG CRAIG
Officer
$5.55M
@ $588.18 · 2025-06-12
VOSBURG CRAIG
Officer
$8.22M
@ $585.05 · 2025-06-05
ARKELL SANDRA A
Officer
$218,223
@ $577.31 · 2025-05-15
ARKELL SANDRA A
Officer
$257,535
@ $572.30 · 2025-05-12
MIEBACH MICHAEL
Chief Executive Officer
$8.68M
@ $550.16 · 2025-03-26
MCLAUGHLIN EDWARD GRUNDE
Officer
$3.81M
@ $534.68 · 2025-03-19
VOSBURG CRAIG
Officer
$6.12M
@ $556.14 · 2025-03-05
MIEBACH MICHAEL
Chief Executive Officer
$9.78M
@ $553.76 · 2025-03-05
VOSBURG CRAIG
Officer
$6.19M
@ $562.72 · 2025-02-26
MCLAUGHLIN EDWARD GRUNDE
Officer
$6.18M
@ $564.99 · 2025-02-18
MIEBACH MICHAEL
Chief Executive Officer
$10.17M
@ $564.95 · 2025-02-18
VOSBURG CRAIG
Officer
$7.97M
@ $565.00 · 2025-02-18
SACHIN J. MEHRA
Chief Financial Officer
$2.36M
@ $500.44 · 2024-11-01
MADABHUSHI VENKATA RAJAMANNAR
Officer
$2.30M
@ $491.03 · 2024-09-27
MADABHUSHI VENKATA RAJAMANNAR
Officer
$2.29M
@ $489.86 · 2024-09-20
ARKELL SANDRA A
Officer
$550,000
@ $500.00 · 2024-09-17
MADABHUSHI VENKATA RAJAMANNAR
Officer
$2.31M
@ $493.10 · 2024-09-13
ARKELL SANDRA A
Officer
$528,000
@ $480.00 · 2024-08-29
MASTERCARD FOUNDATION ASSET MANAGEMENT CORPORATION
Beneficial Owner of more than 10% of a Class of Security
$42.19M
@ $468.80 · 2024-08-22
MASTERCARD FOUNDATION ASSET MANAGEMENT CORPORATION
Beneficial Owner of more than 10% of a Class of Security
$42.03M
@ $467.02 · 2024-08-21
SACHIN J. MEHRA
Chief Financial Officer
$3.16M
@ $470.00 · 2024-08-16
LING HAI
Officer
$1.36M
@ $470.00 · 2024-08-16
SACHIN J. MEHRA
Chief Financial Officer
$6.11M
@ $455.00 · 2024-08-05
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

🎭 Mr. Market's Mood

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CPB
FearGreed
😨Fear(29/100)

"Market is pessimistic — investigate whether fears are temporary or structural"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
MA
FearGreed
😏Greed(67/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

⚖️ Buffett Signal

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CPB
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Fear (29)
MA
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Greed (67)
View CPB Full AnalysisView MA Full Analysis

Frequently Asked Questions: CPB vs MA

Is The Campbell's Company or Mastercard Incorporated more undervalued in 2026?▼

Based on our discounted cash flow model, CPB trades at a 100.0% margin of safety (intrinsic value $2404498067 vs. price $22), compared to MA's -2.7% margin of safety (intrinsic $558 vs. $573).

Which stock has a wider economic moat, The Campbell's Company or Mastercard Incorporated?▼

MA scores 99/100 (Wide moat), while CPB scores 78/100 (Wide moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is The Campbell's Company in financial distress?▼

CPB's Altman Z-Score of 1.4 places it in the Distress zone, signaling elevated bankruptcy risk. MA scores 10.6 (Safe zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

Which stock has higher return on invested capital, The Campbell's Company or Mastercard Incorporated?▼

MA earns 56.0% ROIC versus CPB's 9.0%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.

Which dividend is safer, The Campbell's Company's or Mastercard Incorporated's?▼

MA's dividend earns a safety score of 94/100 (Very Safe), compared to CPB's 43/100 (Borderline). MA has raised its dividend for 3 consecutive years.