Compare Stocks › FIX vs MA
Comfort Systems USA, Inc. (FIX) vs Mastercard Incorporated (MA)
FIX
Comfort Systems USA, Inc.
$1444.60
VS
MA
Mastercard Incorporated
$491.14
Rewards
FIX
- ★Comfort Systems USA, Inc. has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
- ★Comfort Systems USA, Inc. scores 82/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
- ★Free cash flow has grown at a 59.7% CAGR over the past 4 years, demonstrating strong earnings power 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
FIX
- ⚠Gross margin of 24.1% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠FCF yield of 2.0% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠Trailing P/E of 50.0x is 98% above the historical average of 25.2x — the stock trades at a premium to its own history.
MA
- ⚠High leverage (2.56x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
- ⚠Insiders have sold $4.5M worth of stock in the past 3 months — significant insider liquidation.
Key Valuation Metrics
Learn more →FIX
MA
Valuation
$1.03B
Free Cash Flow
$16.27B
2.02%
FCF Yield
3.71%
50.00
Trailing P/E
29.77
32.61
Forward P/E
21.70
Quality & Moat
39.51%
ROIC
54.23%
41.76%
ROE
193.24%
24.13%
Gross Margin
100.00%
0.39
PEG Ratio
1.23
Balance Sheet Safety
0.20
Debt / Equity
2.56
N/A
Interest Coverage
N/A
-0.37
Net Debt / EBITDA
0.43
0.16%
Dividend Yield
0.71%
FIX: 3Ties: 1MA: 8
FIXMA
Historical Fundamentals
Learn more →FIX
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
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.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →FIX
$16.63
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$1.73B
Δ Market Cap
+$28.72B
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
> $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
> $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
Learn more →FIX
9.8% Overvalued
Price is 9.8% above estimated fair value
Current Price: $1444.60
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $1315.72
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
MA
12.0% Margin of Safety
Price is 12.0% below estimated fair value
Current Price: $491.14
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $558.06
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →FIX
What growth rate is the market pricing in at $1445?
+20.0%
Market-Implied Owner Earnings Growth
Standard FCF implies +19.9%
The market implies +20.0% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +19.9%, reflecting heavy growth investment expected to generate future returns.
MA
What growth rate is the market pricing in at $491?
+13.2%
Market-Implied Owner Earnings Growth
Standard FCF implies +12.0%
The market implies +13.2% Owner Earnings growth, roughly in line with history — reasonably priced.
Standard FCF implies +12.0%, reflecting ongoing growth investment.
Economic Moat Score
Learn more →FIX
82/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by roic consistency. Margin Stability 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
Learn more →FIX
-2.40
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
Learn more →FIX
Insiders 1.3%Institutions 97.0%Retail & Other 1.7%
No. of Institutional Holders1,397
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 0.5%Institutions 91.1%Retail & Other 8.3%
No. of Institutional Holders4,864
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
Learn more →FIX
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
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
Learn more →FIX
9
Sells (3M)
32
Sells (12M)
Total value (12M): $126.81M
ANDERSON DARCY G
Director
$6.16M
@ $1369.74 · 2026-03-03
SHAEFF JULIE S
Officer
$3.16M
@ $1382.15 · 2026-03-03
REED TERRENCE M
Officer
$2.54M
@ $1419.80 · 2026-03-03
MYERS FRANKLIN
Director
$12.72M
@ $1472.56 · 2026-02-25
LANE BRIAN E
Chief Executive Officer
$13.61M
@ $1453.12 · 2026-02-25
SANDBROOK WILLIAM J
Director
$3.61M
@ $1443.32 · 2026-02-24
SKIDMORE CONSTANCE ELLEN
Director
$1.43M
@ $1425.00 · 2026-02-24
GEORGE WILLIAMIII
Chief Financial Officer
$12.91M
@ $1434.97 · 2026-02-23
MERCADO PABLO G
Director
$702,500
@ $1405.00 · 2026-02-23
HOWELL LAURA FINLEY
General Counsel
$996,163
@ $996.16 · 2025-12-04
GEORGE WILLIAMIII
Chief Financial Officer
$4.19M
@ $958.88 · 2025-12-01
LANE BRIAN E
Chief Executive Officer
$6.79M
@ $947.98 · 2025-11-24
ANDERSON DARCY G
Director
$3.83M
@ $958.72 · 2025-10-31
MYERS FRANKLIN
Director
$5.03M
@ $1006.68 · 2025-10-29
BULLS HERMAN E
Director
$2.03M
@ $1013.62 · 2025-10-29
MERCADO PABLO G
Director
$2.51M
@ $1005.41 · 2025-10-29
SANDBROOK WILLIAM J
Director
$1.08M
@ $721.89 · 2025-09-10
BULLS HERMAN E
Director
$2.13M
@ $710.00 · 2025-08-27
SANDBROOK WILLIAM J
Director
$482,702
@ $689.57 · 2025-08-25
MERCADO PABLO G
Director
$750,159
@ $695.88 · 2025-08-22
SHAEFF JULIE S
Officer
$964,460
@ $704.50 · 2025-08-12
GEORGE WILLIAMIII
Chief Financial Officer
$5.84M
@ $692.60 · 2025-08-08
LANE BRIAN E
Chief Executive Officer
$6.92M
@ $691.74 · 2025-08-07
MYERS FRANKLIN
Chairman of the Board
$3.08M
@ $683.57 · 2025-08-06
MCKENNA TRENT TIMOTHY
Chief Operating Officer
$3.15M
@ $716.63 · 2025-07-31
BULLS HERMAN E
Director
$1.25M
@ $500.01 · 2025-06-09
ANDERSON DARCY G
Director
$4.05M
@ $506.82 · 2025-06-06
GEORGE WILLIAMIII
Chief Financial Officer
$5.88M
@ $470.11 · 2025-05-13
SKIDMORE CONSTANCE ELLEN
Director
$452,980
@ $452.98 · 2025-05-12
ANDERSON DARCY G
Director
$1.29M
@ $431.66 · 2025-05-07
LANE BRIAN E
Chief Executive Officer
$6.47M
@ $431.66 · 2025-05-07
MERCADO PABLO G
Director
$784,980
@ $436.10 · 2025-05-05
MCKENNA TRENT TIMOTHY
Chief Operating Officer
$1.94M
@ $484.81 · 2024-11-22
LANE BRIAN E
Chief Executive Officer
$6.73M
@ $448.88 · 2024-11-13
GEORGE WILLIAMIII
Chief Financial Officer
$2.50M
@ $459.72 · 2024-11-08
MERCADO PABLO G
Director
$1.02M
@ $409.46 · 2024-11-05
MYERS FRANKLIN
Chairman of the Board
$4.68M
@ $390.18 · 2024-10-30
SHAEFF JULIE S
Officer
$814,881
@ $351.85 · 2024-08-29
ANDERSON DARCY G
Director
$1.19M
@ $336.19 · 2024-08-27
GEORGE WILLIAMIII
Chief Financial Officer
$1.94M
@ $332.16 · 2024-08-20
LANE BRIAN E
Chief Executive Officer
$4.94M
@ $329.55 · 2024-08-14
BULLS HERMAN E
Director
$1.18M
@ $337.41 · 2024-05-16
ANDERSON DARCY G
Director
$1.21M
@ $344.90 · 2024-05-07
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
MA
1
Sells (3M)
19
Sells (12M)
Total value (12M): $64.44M
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
VOSBURG CRAIG
Officer
$7.97M
@ $565.00 · 2025-02-18
MIEBACH MICHAEL
Chief Executive Officer
$10.17M
@ $564.95 · 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
LING HAI
Officer
$1.36M
@ $470.00 · 2024-08-16
SACHIN J. MEHRA
Chief Financial Officer
$3.16M
@ $470.00 · 2024-08-16
SACHIN J. MEHRA
Chief Financial Officer
$6.11M
@ $455.00 · 2024-08-05
LING HAI
Officer
$1.35M
@ $465.46 · 2024-08-01
ARKELL SANDRA A
Officer
$512,006
@ $465.46 · 2024-08-01
VOSBURG CRAIG
Officer
$4.07M
@ $451.06 · 2024-06-20
MURPHY TIMOTHY H
Officer
$2.34M
@ $446.24 · 2024-06-17
MASTERCARD FOUNDATION ASSET MANAGEMENT CORPORATION
Beneficial Owner of more than 10% of a Class of Security
$47.72M
@ $445.98 · 2024-06-17
MASTERCARD FOUNDATION ASSET MANAGEMENT CORPORATION
Beneficial Owner of more than 10% of a Class of Security
$49.51M
@ $442.03 · 2024-06-13
SESHADRI RAJEEV
Officer
$3.11M
@ $449.66 · 2024-06-12
MASTERCARD FOUNDATION ASSET MANAGEMENT CORPORATION
Beneficial Owner of more than 10% of a Class of Security
$50.61M
@ $447.85 · 2024-06-10
SESHADRI RAJEEV
Officer
$3.71M
@ $443.93 · 2024-06-05
VOSBURG CRAIG
Officer
$4.04M
@ $447.28 · 2024-06-05
MURPHY TIMOTHY H
Officer
$2.31M
@ $441.57 · 2024-06-03
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
Learn more →FIX
😏Greed(61/100)
"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.
MA
😐Neutral(42/100)
"Market is pricing this stock without strong emotion in either direction"
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
Learn more →FIX
⚪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 (61)
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: Neutral (42)