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Compare Stocks › MA vs Q

Mastercard Incorporated (MA) vs Qnity Electronics, Inc. (Q)

MA
Mastercard Incorporated
$491.14
VS
Q
Qnity Electronics, Inc.
$111.94

Rewards

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.
Q

    Risks

    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.
    Q

      Key Valuation Metrics

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      MA
      Q
      Valuation
      $16.27B
      Free Cash Flow
      $776.50M
      3.71%
      FCF Yield
      3.31%
      29.77
      Trailing P/E
      33.92
      21.70
      Forward P/E
      25.33
      Quality & Moat
      54.23%
      ROIC
      6.45%
      193.24%
      ROE
      9.39%
      100.00%
      Gross Margin
      46.17%
      1.23
      PEG Ratio
      N/A
      Balance Sheet Safety
      2.56
      Debt / Equity
      0.61
      N/A
      Interest Coverage
      N/A
      0.43
      Net Debt / EBITDA
      2.58
      0.71%
      Dividend Yield
      0.13%
      MA: 9Ties: 1Q: 1
      MAQ

      Historical Fundamentals

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      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.

      Q

      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

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      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
      Q
      Not enough historical data to compute the retained earnings test.

      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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      MA
      12.0% Margin of Safety
      Price is 12.0% below estimated fair value
      Current Price: $491.14
      Fair Value: $558.06
      Strongly undervalued
      Undervalued
      Fairly valued
      Overvalued
      Strongly overvalued
      Q
      17.4% Overvalued
      Price is 17.4% above estimated fair value
      Current Price: $111.94
      Fair Value: $95.35
      Strongly undervalued
      Undervalued
      Fairly valued
      Overvalued
      Strongly overvalued

      Reverse DCF — Market-Implied Growth

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      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.

      Q

      What growth rate is the market pricing in at $112?

      +16.9%
      Market-Implied Owner Earnings Growth
      Standard FCF implies +15.3%

      The market implies +16.9% Owner Earnings growth, above historical trends.

      Standard FCF implies a demanding +15.3%, reflecting heavy growth investment.

      Economic Moat Score

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      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.
      Q
      47/100
      Narrow Moat
      70+ Wide · 40-69 Narrow · <40 None

      Narrow moat with margin stability 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.

      Forensic Accounting

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      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.
      Q
      -2.57
      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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      MA
      Insiders 0.5%Institutions 91.1%Retail & Other 8.3%
      No. of Institutional Holders4,863
      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.
      Q
      Insiders 0.1%Institutions 73.9%Retail & Other 26.0%
      No. of Institutional Holders1,227
      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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      MA
      0
      Buys (3M)
      0
      Buys (12M)
      No open market insider purchases found.
      Open market purchases · includes direct & indirect ownership · excludes option exercises
      Q
      0
      Buys (3M)
      2
      Buys (12M)
      Total value (12M): $329,572
      NOONAN ANNE P
      Director
      $250,452
      @ $77.30 · 2025-11-21
      GREEN BYRON
      Director
      $79,120
      @ $79.12 · 2025-11-19
      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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      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
      Q
      0
      Sells (3M)
      4
      Sells (12M)
      Total value (12M): $828,193
      GOSS MICHAEL G.
      Officer
      $160,677
      @ $84.79 · 2025-12-11
      KEMP JON D
      Chief Executive Officer
      $480,732
      @ $85.01 · 2025-12-11
      NOONAN ANNE P
      Director
      $534.00
      @ $76.29 · 2025-11-21
      KANG SANG HO
      Officer
      $186,250
      @ $74.50 · 2025-11-21
      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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      MA
      FearGreed
      😐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.
      Q
      FearGreed
      😐Neutral(41/100)

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

      Composite sentiment score based on 5 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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      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)
      Q
      ⚪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 (41)
      View MA Full AnalysisView Q Full Analysis