Compare Stocks › MA vs PG

Mastercard Incorporated (MA) vs Procter & Gamble Company (The) (PG): Which Is the Better Buy in 2026?

As of 2026-08-03, MA is fairly valued at $573, with a DCF intrinsic value of $558 and a margin of safety of -3%. PG is undervalued at $144, with an intrinsic value of $220753045647 and a margin of safety of 100%. Of the two, PG has the wider margin of safety.

Mastercard Incorporated

$573.10

Procter & Gamble Company (The)

$144.49

Rewards

★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.

★Procter & Gamble Company (The) has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
★Procter & Gamble Company (The) scores 94/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.

Risks

⚠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.

⚠PEG ratio of 5.57 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
⚠28 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.

Key Valuation Metrics

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Valuation

$16.96B

Free Cash Flow

$12.84B

3.38%

FCF Yield

N/A

31.54

Trailing P/E

21.83

24.96

Forward P/E

19.50

Quality & Moat

55.99%

ROIC

15.19%

241.20%

ROE

30.29%

100.00%

Gross Margin

50.68%

1.76

PEG Ratio

5.57

Balance Sheet Safety

2.33

Net Debt / Equity

0.45

N/A

Interest Coverage

N/A

0.59

Net Debt / EBITDA

1.02

0.61%

Dividend Yield

3.01%

MA: 6Ties: 1PG: 4

MAPG

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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$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

$-0.00

created per $1 retained over 3 years

Market Cap Declined

Σ Retained

$17.32B

Δ Market Cap

$-8.25

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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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

100.0% Margin of Safety

Price is 100.0% below estimated fair value

Current Price: $144.49

Strongly undervalued

Fairly valued

Strongly overvalued

Fair Value: $220753045647.21

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 $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.

What growth rate is the market pricing in at $144?

-29.9%

Market-Implied FCF Growth Rate

Market below historical growth — potential opportunity.

Economic Moat Score

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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.

94/100

Wide Moat

70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. Revenue Predictability is the standout factor.

Forensic Accounting

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-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.

-2.54

Unlikely Manipulator

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

M-Score Trend

Ownership Breakdown

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Insiders 0.1%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.

Insiders 0.1%Institutions 71.8%Retail & Other 28.2%

No. of Institutional Holders4,993

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): $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

Sells (3M)

Sells (12M)

Total value (12M): $78.99M

FRANCISCO MA. FATIMA

Officer

$917,199

@ $165.29 · 2026-02-27

WHALEY SUSAN STREET

Officer

$288,454

@ $159.45 · 2026-02-19

AGUILAR MOSES VICTOR JAVIER

Officer

$2.46M

@ $162.28 · 2026-02-13

COOMBE GARY A

Officer

$5.86M

@ $162.33 · 2026-02-12

MOELLER JON R

Officer and Director

$28.12M

@ $162.29 · 2026-02-12

PURUSHOTHAMAN BALAJI

Officer

$2.06M

@ $160.31 · 2026-02-11

FRANCISCO MA. FATIMA

Officer

$1.26M

@ $158.00 · 2026-02-04

PRITCHARD MARC S

Officer

$14.50M

@ $151.15 · 2026-01-23

JANZARUK MATTHEW W.

Officer

$108,438

@ $149.57 · 2025-10-30

COOMBE GARY A

Officer

$538,139

@ $152.23 · 2025-10-02

MOELLER JON R

Chief Executive Officer

$1.78M

@ $152.23 · 2025-10-02

DAVIS JENNIFER L

Officer

$491,252

@ $152.23 · 2025-10-02

PURUSHOTHAMAN BALAJI

Officer

$74,594

@ $152.23 · 2025-10-02

WHALEY SUSAN STREET

Officer

$366,574

@ $152.23 · 2025-10-02

JEJURIKAR SHAILESH

Chief Operating Officer

$606,796

@ $152.23 · 2025-10-02

SCHULTEN ANDRE

Chief Financial Officer

$647,289

@ $152.23 · 2025-10-02

WHALEY SUSAN STREET

Officer

$156,835

@ $156.84 · 2025-08-29

COOMBE GARY A

Officer

$1.61M

@ $158.16 · 2025-08-21

RAMAN SUNDAR G.

Officer

$1.51M

@ $158.16 · 2025-08-21

MOELLER JON R

Chief Executive Officer

$6.31M

@ $157.27 · 2025-08-19

PRITCHARD MARC S

Officer

$1.55M

@ $157.27 · 2025-08-19

JANZARUK MATTHEW W.

Officer

$50,170

@ $157.27 · 2025-08-19

DAVIS JENNIFER L

Officer

$1.35M

@ $157.27 · 2025-08-19

PURUSHOTHAMAN BALAJI

Officer

$95,308

@ $157.27 · 2025-08-19

WHALEY SUSAN STREET

Officer

$969,908

@ $157.27 · 2025-08-19

JEJURIKAR SHAILESH

Chief Operating Officer

$2.05M

@ $157.27 · 2025-08-19

FRANCISCO MA. FATIMA

Officer

$1.43M

@ $157.27 · 2025-08-19

SCHULTEN ANDRE

Chief Financial Officer

$1.83M

@ $157.27 · 2025-08-19

AGUILAR MOSES VICTOR JAVIER

Officer

$1.67M

@ $158.67 · 2025-05-05

DAVIS JENNIFER L

Officer

$161,384

@ $161.38 · 2025-04-29

COOMBE GARY A

Officer

$6.08M

@ $173.68 · 2025-02-28

COOMBE GARY A

Officer

$3.09M

@ $171.66 · 2025-02-25

PRITCHARD MARC S

Officer

$14.82M

@ $163.84 · 2025-01-23

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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😏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.

😐Neutral(48/100)

"Market is pricing this stock without strong emotion in either direction"

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: Greed (67)

⚪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 (48)

View MA Full Analysis View PG Full Analysis

Frequently Asked Questions: MA vs PG

Is Mastercard Incorporated or Procter & Gamble Company (The) more undervalued in 2026?▼

Based on our discounted cash flow model, PG trades at a 100.0% margin of safety (intrinsic value $220753045647 vs. price $144), compared to MA's -2.7% margin of safety (intrinsic $558 vs. $573).

Which stock has a wider economic moat, Mastercard Incorporated or Procter & Gamble Company (The)?▼

MA scores 99/100 (Wide moat), while PG scores 94/100 (Wide moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Procter & Gamble Company (The) in financial distress?▼

PG'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 stock has higher return on invested capital, Mastercard Incorporated or Procter & Gamble Company (The)?▼

MA earns 56.0% ROIC versus PG's 15.2%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.