Compare Stocks › IR vs MA

Ingersoll Rand Inc. (IR) vs Mastercard Incorporated (MA): Which Is the Better Buy in 2026?

As of 2026-08-03, IR is undervalued at $83, with a DCF intrinsic value of $18513221898 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, IR has the wider margin of safety.

Ingersoll Rand Inc.

$83.38

Mastercard Incorporated

$573.10

Rewards

★Free cash flow has grown at a 16.8% CAGR over the past 4 years, demonstrating strong earnings power growth.
★Trailing P/E of 34.5x is 20% below the historical average of 43.3x — potentially undervalued relative to its own history.
★PEG ratio of 0.80 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.

★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

⚠Each dollar of retained earnings has produced only $0.05 of earning power — shareholders may have been better served by dividends.
⚠Altman Z-Score of 1.07 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
⚠14 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.

⚠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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Valuation

$1.11B

Free Cash Flow

$16.96B

N/A

FCF Yield

3.38%

34.45

Trailing P/E

31.54

21.54

Forward P/E

24.96

Quality & Moat

6.99%

ROIC

55.99%

9.47%

ROE

241.20%

42.82%

Gross Margin

100.00%

0.80

PEG Ratio

1.76

Balance Sheet Safety

0.36

Net Debt / Equity

2.33

N/A

Interest Coverage

N/A

1.85

Net Debt / EBITDA

0.59

0.10%

Dividend Yield

0.61%

IR: 3Ties: 1MA: 7

IRMA

Historical Fundamentals

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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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$0.00

created per $1 retained over 3 years

Value Destroyer

Σ Retained

$2.10B

Δ Market Cap

+$26.97

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

$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

Discounted Cash Flow (DCF) Analysis

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100.0% Margin of Safety

Price is 100.0% below estimated fair value

Current Price: $83.38

Strongly undervalued

Fairly valued

Strongly overvalued

Fair Value: $18513221897.85

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

2.7% Overvalued

Price is 2.7% above estimated fair value

Current Price: $573.10

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $557.89

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Reverse DCF — Market-Implied Growth

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What growth rate is the market pricing in at $83?

-16.1%

Market-Implied Owner Earnings Growth

Standard FCF implies -18.7%

The market implies -16.1% Owner Earnings growth, below historical trends — potential opportunity.

Standard FCF implies a more demanding -18.7%, reflecting heavy growth investment expected to generate future returns.

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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59/100

Narrow Moat

70+ Wide · 40-69 Narrow · <40 None

Narrow moat with reinvestment efficiency as the key competitive advantage. Improving roic consistency would strengthen the moat.

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.

99/100

Wide Moat

70+ Wide · 40-69 Narrow · <40 None

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

Forensic Accounting

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-2.55

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.

-2.53

Unlikely Manipulator

Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Ownership Breakdown

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Insiders 0.2%Institutions 107.3%

No. of Institutional Holders1,260

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.

Insiders 0.1%Institutions 91.5%Retail & Other 8.3%

No. of Institutional Holders4,764

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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Buys (3M)

Buys (12M)

No open market insider purchases found.

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

Buys (3M)

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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Sells (3M)

Sells (12M)

Total value (12M): $59.54M

REYNAL VICENTE

Chief Executive Officer

$2.68M

@ $88.00 · 2026-04-13

REYNAL VICENTE

Chief Executive Officer

$11.11M

@ $94.11 · 2026-03-02

KINI VIKRAM

Chief Financial Officer

$2.74M

@ $96.50 · 2026-02-20

HUMPHREY JOHN R.

Director

$412,370

@ $95.90 · 2026-02-19

REYNAL VICENTE

Chief Executive Officer

$90,000

@ $100.00 · 2026-02-18

SCHESKE MICHAEL J

Officer

$1.87M

@ $97.67 · 2026-02-17

KEENE KATHLEEN M

Officer

$1.19M

@ $99.46 · 2026-02-17

SCHIESL ANDREW R

General Counsel

$1.76M

@ $98.00 · 2026-02-17

HEPDING ELIZABETH MELOY

Officer

$1.77M

@ $97.11 · 2026-02-17

REYNAL VICENTE

Chief Executive Officer

$9.17M

@ $99.25 · 2026-02-17

REYNAL VICENTE

Chief Executive Officer

$44,000

@ $100.00 · 2026-02-11

REYNAL VICENTE

Chief Executive Officer

$9.75M

@ $97.54 · 2026-02-04

REYNAL VICENTE

Chief Executive Officer

$16.83M

@ $88.12 · 2026-01-16

SCHESKE MICHAEL J

Officer

$119,086

@ $80.63 · 2025-12-01

REYNAL VICENTE

Chief Executive Officer

$3.21M

@ $83.03 · 2025-05-20

HEPDING ELIZABETH MELOY

Officer

$293,230

@ $83.78 · 2025-05-14

SCHIESL ANDREW R

General Counsel

$976,316

@ $84.90 · 2025-05-13

SCHIESL ANDREW R

General Counsel

$1.15M

@ $87.05 · 2025-02-18

SCHIESL ANDREW R

General Counsel

$2.30M

@ $95.08 · 2024-11-05

SCHESKE MICHAEL J

Officer

$246,621

@ $97.44 · 2024-11-05

KEENE KATHLEEN M

Officer

$420,673

@ $90.00 · 2024-08-28

HEPDING ELIZABETH MELOY

Officer

$685,650

@ $91.42 · 2024-08-21

REYNAL VICENTE

Chief Executive Officer

$4.63M

@ $92.51 · 2024-08-15

SCHIESL ANDREW R

General Counsel

$2.16M

@ $90.05 · 2024-08-09

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

Sells (3M)

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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😐Neutral(52/100)

"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.

😏Greed(67/100)

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

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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⚪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 (52)

⚪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 IR Full Analysis View MA Full Analysis

Frequently Asked Questions: IR vs MA

Is Ingersoll Rand Inc. or Mastercard Incorporated more undervalued in 2026?▼

Based on our discounted cash flow model, IR trades at a 100.0% margin of safety (intrinsic value $18513221898 vs. price $83), compared to MA's -2.7% margin of safety (intrinsic $558 vs. $573).

Which stock has a wider economic moat, Ingersoll Rand Inc. or Mastercard Incorporated?▼

MA scores 99/100 (Wide moat), while IR scores 59/100 (Narrow moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Ingersoll Rand Inc. in financial distress?▼

IR's Altman Z-Score of 1.1 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, Ingersoll Rand Inc. or Mastercard Incorporated?▼

MA earns 56.0% ROIC versus IR's 7.0%. 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, Ingersoll Rand Inc.'s or Mastercard Incorporated's?▼

MA's dividend earns a safety score of 94/100 (Very Safe), compared to IR's 85/100 (Very Safe). MA has raised its dividend for 3 consecutive years.