Compare Stocks › MA vs REGN

Mastercard Incorporated (MA) vs Regeneron Pharmaceuticals, Inc. (REGN): 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%. REGN is undervalued at $764, with an intrinsic value of $1362 and a margin of safety of 44%. Of the two, REGN has the wider margin of safety.

Mastercard Incorporated

$572.54

REGN

Regeneron Pharmaceuticals, Inc.

$763.62

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.

REGN

★Regeneron Pharmaceuticals, Inc. scores 80/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
★Altman Z-Score of 7.56 indicates very low bankruptcy risk — the company is firmly in the safe zone.
★Net debt/EBITDA of -1.1x means the company holds more cash than debt — a net cash position.

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.

REGN

⚠ROIC has declined by 7.3 percentage points over the past 4 years, which may signal competitive erosion.
⚠Each dollar of retained earnings has produced only $0.15 of earning power — shareholders may have been better served by dividends.
⚠11 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.

Key Valuation Metrics

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REGN

Valuation

$16.96B

Free Cash Flow

$3.07B

3.38%

FCF Yield

3.90%

31.51

Trailing P/E

18.89

24.93

Forward P/E

12.80

Quality & Moat

55.99%

ROIC

11.80%

241.20%

ROE

14.04%

100.00%

Gross Margin

44.46%

1.76

PEG Ratio

1.34

Balance Sheet Safety

2.33

Net Debt / Equity

Net cash

N/A

Interest Coverage

N/A

0.59

Net Debt / EBITDA

-1.12

0.61%

Dividend Yield

0.49%

MA: 5Ties: 1REGN: 6

MAREGN

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.

REGN

$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

REGN

$0.20

created per $1 retained over 3 years

Value Destroyer

Σ Retained

$12.50B

Δ Market Cap

+$2.52B

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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2.6% Overvalued

Price is 2.6% above estimated fair value

Current Price: $572.54

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $557.89

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

REGN

44.0% Margin of Safety

Price is 44.0% below estimated fair value

Current Price: $763.62

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $1362.39

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.

REGN

What growth rate is the market pricing in at $764?

+4.9%

Market-Implied Owner Earnings Growth

Standard FCF implies +10.1%

The market implies +4.9% Owner Earnings growth, roughly in line with history — reasonably priced.

Standard FCF implies +10.1%, reflecting ongoing growth investment.

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.

REGN

80/100

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.

REGN

-2.51

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.

REGN

Insiders 2.1%Institutions 93.7%Retail & Other 4.2%

No. of Institutional Holders1,936

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

REGN

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

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

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

REGN

Sells (3M)

Sells (12M)

Total value (12M): $9.60M

RYAN ARTHUR F.

Director

$130,030

@ $650.15 · 2026-07-02

RYAN ARTHUR F.

Director

$70,524

@ $705.24 · 2026-05-01

RYAN ARTHUR F.

Director

$77,727

@ $777.27 · 2026-04-01

RYAN ARTHUR F.

Director

$78,550

@ $785.50 · 2026-03-02

ZOGHBI HUDA Y

Director

$1.28M

@ $781.33 · 2026-02-19

RYAN ARTHUR F.

Director

$77,853

@ $778.53 · 2026-02-09

PITOFSKY JASON

Officer

$1.59M

@ $778.52 · 2026-02-09

BASSLER BONNIE L

Director

$1.20M

@ $800.00 · 2026-01-07

BASSLER BONNIE L

Director

$570,000

@ $750.00 · 2025-11-20

PITOFSKY JASON

Officer

$280,766

@ $651.43 · 2025-11-07

POON CHRISTINE A

Director

$4.25M

@ $654.27 · 2025-10-29

MCCOURT MARION E

Officer

$844,610

@ $844.61 · 2024-11-01

MCCOURT MARION E

Officer

$1.05M

@ $1054.06 · 2024-10-01

RYAN ARTHUR F.

Director

$104,878

@ $1048.78 · 2024-10-01

MCCOURT MARION E

Officer

$1.18M

@ $1178.73 · 2024-09-03

RYAN ARTHUR F.

Director

$117,868

@ $1178.68 · 2024-09-03

POON CHRISTINE A

Director

$12.55M

@ $1158.17 · 2024-08-15

BASSLER BONNIE L

Director

$884,520

@ $1170.00 · 2024-08-15

MURPHY ANDREW J

Officer

$7.34M

@ $1153.15 · 2024-08-14

STAHL NEIL E

Officer

$5.64M

@ $1084.54 · 2024-08-08

PITOFSKY JASON

Officer

$521,090

@ $1070.00 · 2024-08-07

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 →

😏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.

REGN

😏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: Greed (67)

REGN

⚪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 MA Full Analysis View REGN Full Analysis

Frequently Asked Questions: MA vs REGN

Is Mastercard Incorporated or Regeneron Pharmaceuticals, Inc. more undervalued in 2026?▼

Based on our discounted cash flow model, REGN trades at a 44.0% margin of safety (intrinsic value $1362 vs. price $764), compared to MA's -2.6% margin of safety (intrinsic $558 vs. $573).

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

MA scores 99/100 (Wide moat), while REGN scores 80/100 (Wide moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Which company has better free cash flow, Mastercard Incorporated or Regeneron Pharmaceuticals, Inc.?▼

Regeneron Pharmaceuticals, Inc. (REGN) generates a 3.9% free cash flow yield, compared to Mastercard Incorporated's 3.4%. 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, Mastercard Incorporated or Regeneron Pharmaceuticals, Inc.?▼

MA earns 56.0% ROIC versus REGN's 11.8%. 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, Mastercard Incorporated's or Regeneron Pharmaceuticals, Inc.'s?▼

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