Compare Stocks › JBL vs MA

Jabil Inc. (JBL) vs Mastercard Incorporated (MA): Which Is the Better Buy in 2026?

As of 2026-11-01, JBL is undervalued at $273, with a DCF intrinsic value of $598 and a margin of safety of 54%. MA is overvalued at $638, with an intrinsic value of $563 and a margin of safety of -13%. Of the two, JBL has the wider margin of safety.

JBL

Jabil Inc.

$272.72

Mastercard Incorporated

$638.01

Rewards

JBL

★Jabil Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
★Jabil Inc. scores 83/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
★Free cash flow has grown at a 25.0% CAGR over the past 4 years, demonstrating strong earnings power 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

JBL

⚠Gross margin of 9.2% is low, suggesting a competitive or commodity-like market with limited pricing power.
⚠High leverage (1.61x net debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.

⚠FCF yield of 3.0% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
⚠High leverage (2.00x net debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
⚠9 insider sales totaling $24.1M with no purchases in the past 3 months — insiders are reducing their exposure.

Key Valuation Metrics

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JBL

Valuation

$1.28B

Free Cash Flow

$16.63B

4.57%

FCF Yield

2.99%

27.97

Trailing P/E

33.39

12.30

Forward P/E

27.58

Quality & Moat

27.72%

ROIC

56.56%

66.37%

ROE

231.37%

9.23%

Gross Margin

100.00%

0.82

PEG Ratio

1.66

Balance Sheet Safety

1.61

Net Debt / Equity

2.00

N/A

Interest Coverage

N/A

1.03

Net Debt / EBITDA

0.59

0.12%

Dividend Yield

0.55%

JBL: 5Ties: 1MA: 6

JBLMA

Historical Fundamentals

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JBL

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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JBL

$3.96

created per $1 retained over 3 years

Exceptional Value Creator

Σ Retained

$2.97B

Δ Market Cap

+$11.77B

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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JBL

54.4% Margin of Safety

Price is 54.4% below estimated fair value

Current Price: $272.72

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $598.48

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

13.3% Overvalued

Price is 13.3% above estimated fair value

Current Price: $638.01

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $562.90

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Reverse DCF — Market-Implied Growth

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JBL

What growth rate is the market pricing in at $273?

+12.3%

Market-Implied Owner Earnings Growth

Standard FCF implies +10.1%

The market implies +12.3% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +10.1%, reflecting heavy growth investment.

What growth rate is the market pricing in at $638?

+16.4%

Market-Implied Owner Earnings Growth

Standard FCF implies +15.0%

The market implies +16.4% Owner Earnings growth, roughly in line with history — reasonably priced.

Standard FCF implies +15.0%, reflecting ongoing growth investment.

Economic Moat Score

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JBL

83/100

Wide Moat

70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by roic consistency. Revenue Predictability 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.

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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JBL

-2.09

Possible 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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JBL

Insiders 1.3%Institutions 101.1%

No. of Institutional Holders1,521

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 91.1%Retail & Other 8.8%

No. of Institutional Holders4,838

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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JBL

Buys (3M)

Buys (12M)

Total value (12M): $149,815

TYAGARAJAN NALLICHERI VYDIANATHAN

Director

$149,815

@ $299.63 · 2026-07-17

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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JBL

Sells (3M)

Sells (12M)

Total value (12M): $61.31M

SCHICK GARY K.

Officer

$277,161

@ $277.16 · 2026-10-20

SCHICK GARY K.

Officer

$319,857

@ $319.86 · 2026-07-15

CROWLEY MATTHEW

Officer

$32,430

@ $345.00 · 2026-07-06

SCHICK GARY K.

Officer

$340,000

@ $340.00 · 2026-04-30

PRIESTLEY ANDREW

Chief Operating Officer

$1.05M

@ $330.00 · 2026-04-20

BORGES STEVEN D

Officer

$1.63M

@ $317.51 · 2026-04-17

YAP MAY YEE

Chief Technology Officer

$501,221

@ $306.74 · 2026-04-16

RENNO RAFAEL

Officer

$305,000

@ $305.00 · 2026-04-13

BERRY ADAM E

Officer

$477,450

@ $301.23 · 2026-04-10

PRIESTLEY ANDREW

Chief Operating Officer

$1.20M

@ $301.00 · 2026-04-10

ANSARI ANOUSHEH

Director

$600,000

@ $300.00 · 2026-04-10

BORGES STEVEN D

Officer

$2.06M

@ $295.00 · 2026-04-09

RENNO RAFAEL

Officer

$288,000

@ $288.00 · 2026-04-08

BORGES STEVEN D

Officer

$2.03M

@ $290.00 · 2026-04-08

DASTOOR MICHAEL

Chief Executive Officer

$2.71M

@ $286.64 · 2026-04-08

BERRY ADAM E

Officer

$272,796

@ $272.80 · 2026-04-01

SCHICK GARY K.

Officer

$278,332

@ $278.33 · 2026-03-24

ANSARI ANOUSHEH

Director

$270,000

@ $270.00 · 2026-03-24

SCHICK GARY K.

Officer

$102,872

@ $243.77 · 2026-02-02

DASTOOR MICHAEL

Chief Executive Officer

$3.70M

@ $246.91 · 2026-01-22

BERRY ADAM E

Officer

$404,113

@ $253.20 · 2026-01-16

MONDELLO MARK T

Officer and Director

$4.30M

@ $250.00 · 2026-01-16

ANSARI ANOUSHEH

Director

$246,000

@ $246.00 · 2026-01-15

MONDELLO MARK T

Officer and Director

$5.52M

@ $241.90 · 2026-01-15

MONDELLO MARK T

Officer and Director

$4.72M

@ $236.25 · 2026-01-02

BORGES STEVEN D

Officer

$2.35M

@ $235.00 · 2025-12-23

MCCOY FREDERIC E III

Officer

$4.95M

@ $224.93 · 2025-12-19

ANSARI ANOUSHEH

Director

$337,500

@ $225.00 · 2025-12-19

MONDELLO MARK T

Officer and Director

$11.27M

@ $225.32 · 2025-12-19

MONDELLO MARK T

Officer and Director

$4.24M

@ $212.20 · 2025-12-01

SCHICK GARY K.

Officer

$99,971

@ $220.69 · 2025-11-03

MONDELLO MARK T

Officer and Director

$4.42M

@ $220.83 · 2025-11-03

YAP MAY YEE

Chief Technology Officer

$1.99M

@ $225.03 · 2025-10-31

MCKAY FRANCIS

Officer

$566,999

@ $224.47 · 2025-10-29

HEBARD GREGORY B

Chief Financial Officer

$1.30M

@ $213.54 · 2025-10-28

CROWLEY MATTHEW

Officer

$153,830

@ $211.60 · 2025-10-27

MELACHRINO KRISTINE

General Counsel

$1.40M

@ $213.40 · 2025-10-24

CROWLEY MATTHEW

Officer

$1.34M

@ $205.73 · 2025-10-21

MONDELLO MARK T

Officer and Director

$8.31M

@ $207.77 · 2025-10-17

MONDELLO MARK T

Officer and Director

$4.30M

@ $214.84 · 2025-10-01

MONDELLO MARK T

Officer and Director

$4.00M

@ $200.02 · 2025-09-02

SCHICK GARY K.

Officer

$98,196

@ $219.19 · 2025-08-01

MONDELLO MARK T

Officer and Director

$4.38M

@ $219.20 · 2025-08-01

MCCOY FREDERIC E III

Officer

$1.01M

@ $223.55 · 2025-07-23

PRIESTLEY ANDREW

Officer

$832,965

@ $225.00 · 2025-07-23

PRIESTLEY ANDREW

Officer

$850,950

@ $225.00 · 2025-07-21

RAYMUND STEVEN A

Director

$3.00M

@ $223.11 · 2025-07-21

ANSARI ANOUSHEH

Director

$222,750

@ $222.75 · 2025-07-03

MONDELLO MARK T

Officer and Director

$4.33M

@ $216.59 · 2025-07-01

RAYMUND STEVEN A

Director

$3.46M

@ $216.83 · 2025-06-27

ANSARI ANOUSHEH

Director

$518,934

@ $207.57 · 2025-06-20

BERRY ADAM E

Officer

$848,113

@ $200.36 · 2025-06-18

MCKAY FRANCIS

Officer

$697,621

@ $205.48 · 2025-06-18

MCCOY FREDERIC E III

Officer

$1.84M

@ $205.39 · 2025-06-18

PRIESTLEY ANDREW

Officer

$2.83M

@ $203.17 · 2025-06-18

YAP MAY YEE

Chief Technology Officer

$1.40M

@ $206.00 · 2025-06-18

BORGES STEVEN D

Officer

$4.49M

@ $200.01 · 2025-06-18

DASTOOR MICHAEL

Chief Executive Officer

$3.49M

@ $191.66 · 2025-06-17

MONDELLO MARK T

Officer and Director

$29.00M

@ $193.33 · 2025-06-17

MONDELLO MARK T

Officer and Director

$3.34M

@ $166.75 · 2025-06-02

DASTOOR MICHAEL

Chief Executive Officer

$1.70M

@ $169.90 · 2025-05-14

SCHICK GARY K.

Officer

$102,549

@ $151.25 · 2025-05-02

CROWLEY MATTHEW

Officer

$17,214

@ $149.69 · 2025-05-01

HOLLAND CHRISTOPHER S

Director

$551,728

@ $162.27 · 2025-01-31

PLANT JOHN C

Director

$8.63M

@ $172.55 · 2025-01-24

RAYMUND STEVEN A

Director

$3.03M

@ $151.30 · 2025-01-10

ANSARI ANOUSHEH

Director

$155,000

@ $155.00 · 2025-01-07

MCCOY FREDERIC E III

Officer

$599,240

@ $149.81 · 2025-01-03

YAP MAY YEE

Chief Technology Officer

$501,751

@ $150.45 · 2025-01-03

BORGES STEVEN D

Officer

$752,500

@ $150.50 · 2025-01-03

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

Sells (3M)

Sells (12M)

Total value (12M): $69.73M

LING HAI

Chief Financial Officer

$2.68M

@ $620.00 · 2026-10-16

GENACHOWSKI JULIUS

Director

$435,418

@ $587.61 · 2026-10-12

SACHIN J. MEHRA

Officer

$1.91M

@ $584.00 · 2026-09-02

KIRKPATRICK LINDA PISTECCHIA

Officer

$547,837

@ $593.54 · 2026-08-31

SACHIN J. MEHRA

Officer

$4.87M

@ $576.53 · 2026-08-20

KIRKPATRICK LINDA PISTECCHIA

Officer

$673,201

@ $565.24 · 2026-08-17

MIEBACH MICHAEL

Chief Executive Officer

$8.84M

@ $575.00 · 2026-08-05

SACHIN J. MEHRA

Officer

$1.72M

@ $571.87 · 2026-08-05

KIRKPATRICK LINDA PISTECCHIA

Officer

$2.44M

@ $570.31 · 2026-08-04

MIEBACH MICHAEL

Chief Executive Officer

$19.08M

@ $573.84 · 2026-08-03

ARKELL SANDRA A

Officer

$185,760

@ $540.00 · 2026-07-15

MCLAUGHLIN EDWARD GRUNDE

Officer

$10.59M

@ $534.87 · 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

KIRKPATRICK LINDA PISTECCHIA

Officer

$536,480

@ $560.00 · 2025-06-24

GENACHOWSKI JULIUS

Director

$173,910

@ $561.00 · 2025-06-24

VOSBURG CRAIG

Officer

$5.02M

@ $532.97 · 2025-06-20

SESHADRI RAJEEV

Officer

$508,474

@ $535.80 · 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

VOSBURG CRAIG

Officer

$7.97M

@ $565.00 · 2025-02-18

MIEBACH MICHAEL

Chief Executive Officer

$10.17M

@ $564.95 · 2025-02-18

MCLAUGHLIN EDWARD GRUNDE

Officer

$6.18M

@ $564.99 · 2025-02-18

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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JBL

😨Fear(33/100)

"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.

😏Greed(74/100)

"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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JBL

⚪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 (33)

⚪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 (74)

View JBL Full Analysis View MA Full Analysis

Frequently Asked Questions: JBL vs MA

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

Based on our discounted cash flow model, JBL trades at a 54.4% margin of safety (intrinsic value $598 vs. price $273), compared to MA's -13.3% margin of safety (intrinsic $563 vs. $638).

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

MA scores 99/100 (Wide moat), while JBL scores 83/100 (Wide moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Jabil Inc. in financial distress?▼

JBL's Altman Z-Score of 2.6 places it in the Grey 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 company has better free cash flow, Jabil Inc. or Mastercard Incorporated?▼

Jabil Inc. (JBL) generates a 4.6% free cash flow yield, compared to Mastercard Incorporated's 3.0%. A higher FCF yield means the business converts more of its market value into cash that can be returned to shareholders or reinvested.

Which stock has higher return on invested capital, Jabil Inc. or Mastercard Incorporated?▼

MA earns 56.6% ROIC versus JBL's 27.7%. 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, Jabil Inc.'s or Mastercard Incorporated's?▼

MA's dividend earns a safety score of 94/100 (Very Safe), compared to JBL's 88/100 (Very Safe). MA has raised its dividend for 3 consecutive years.