Compare Stocks › MA vs STT
Mastercard Incorporated (MA) vs State Street Corporation (STT)
MA
Mastercard Incorporated
$491.14
VS
STT
State Street Corporation
$120.95
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.
STT
- ★Share count has been reduced by 20% over the past 4 years through buybacks, increasing each share's claim on earnings.
- ★Each dollar of retained earnings has created $2.01 of market value — management is an exceptional capital allocator.
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.
STT
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Altman Z-Score of 0.22 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠Insiders have sold $7.8M worth of stock in the past 3 months — significant insider liquidation.
Key Valuation Metrics
Learn more →MA
STT
Valuation
$16.27B
Free Cash Flow
N/A
3.71%
FCF Yield
N/A
29.77
Trailing P/E
12.87
21.70
Forward P/E
9.29
Quality & Moat
54.23%
ROIC
6.66%
193.24%
ROE
N/A
100.00%
Gross Margin
0.00%
1.23
PEG Ratio
N/A
Balance Sheet Safety
2.56
Debt / Equity
N/A
N/A
Interest Coverage
N/A
0.43
Net Debt / EBITDA
N/A
0.71%
Dividend Yield
2.78%
MA: 2Ties: 1STT: 3
MASTT
Historical Fundamentals
Learn more →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.
STT
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
Learn more →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
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
STT
$2.01
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$4.45B
Δ Market Cap
+$8.93B
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
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
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
Learn more →MA
12.0% Margin of Safety
Price is 12.0% below estimated fair value
Current Price: $491.14
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $558.06
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
STT
79.8% Margin of Safety
Price is 79.8% below estimated fair value
Current Price: $120.95
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $598.80
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →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.
STT
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →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.
STT
30/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
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
Learn more →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.
STT
-2.42
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
Learn more →MA
Insiders 0.5%Institutions 91.1%Retail & Other 8.3%
No. of Institutional Holders4,864
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.
STT
Insiders 0.5%Institutions 95.8%Retail & Other 3.7%
No. of Institutional Holders1,496
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
Learn more →MA
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
STT
1
Buys (3M)
1
Buys (12M)
Total value (12M): $312,475
PORTER BRIAN J
Director
$312,475
@ $124.99 · 2026-03-05
MEANEY WILLIAM L
Director
$10,551
@ $75.36 · 2024-10-14
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →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
STT
5
Sells (3M)
17
Sells (12M)
Total value (12M): $13.53M
PLANSKY JOHN
Officer
$2.00M
@ $124.32 · 2026-03-11
O'HANLEY RONALD P.
Chief Executive Officer
$3.66M
@ $125.70 · 2026-03-02
RICHARDS MICHAEL L
Officer
$319,775
@ $127.91 · 2026-02-24
HORGAN KATHRYN M
Officer
$721,420
@ $127.10 · 2026-02-23
AMBROSIUS JOERG
Officer
$1.12M
@ $128.00 · 2026-02-23
HORGAN KATHRYN M
Officer
$672,890
@ $118.55 · 2025-11-28
RICHARDS MICHAEL L
Officer
$175,860
@ $117.24 · 2025-10-27
RICHARDS MICHAEL L
Officer
$115,170
@ $115.17 · 2025-08-26
O'HANLEY RONALD P.
Chief Executive Officer
$1.50M
@ $112.39 · 2025-08-21
SCHAEFER ELIZABETH
Officer
$175,046
@ $111.07 · 2025-08-19
RICHARDS MICHAEL L
Officer
$108,197
@ $109.29 · 2025-07-22
HORGAN KATHRYN M
Officer
$1.07M
@ $96.61 · 2025-05-30
RICHARDS MICHAEL L
Officer
$70,530
@ $94.04 · 2025-05-09
SCHAEFER ELIZABETH
Officer
$117,936
@ $90.72 · 2025-05-06
TAHIRI MOSTAPHA
Chief Operating Officer
$360,725
@ $90.43 · 2025-05-02
BISEGNA ANTHONY C.
Officer
$310,590
@ $88.74 · 2025-05-01
PLANSKY JOHN
Officer
$1.03M
@ $88.83 · 2025-05-01
DE SAINT AIGNAN PATRICK
Director
$1.94M
@ $98.24 · 2025-02-28
AMBROSIUS JOERG
Officer
$288,202
@ $100.07 · 2025-02-19
DE SAINT AIGNAN PATRICK
Director
$802,479
@ $99.96 · 2025-02-18
FOGARTY ANN
Officer
$368,536
@ $99.47 · 2025-02-18
FOGARTY ANN
Officer
$146,955
@ $97.97 · 2024-11-25
HORGAN KATHRYN M
Officer
$1.22M
@ $97.97 · 2024-11-25
MILROD DONNA M
Officer
$9,631
@ $95.36 · 2024-11-18
PLANSKY JOHN
Officer
$1.27M
@ $91.32 · 2024-10-18
SCHAEFER ELIZABETH
Officer
$46,250
@ $92.50 · 2024-10-17
HUNG YIE-HSIN
Chief Executive Officer
$325,500
@ $93.00 · 2024-10-16
PLANSKY JOHN
Officer
$1.01M
@ $82.91 · 2024-08-23
BISEGNA ANTHONY C.
Officer
$51,858
@ $80.65 · 2024-08-16
MILROD DONNA M
Officer
$8,226
@ $80.65 · 2024-08-16
HORGAN KATHRYN M
Officer
$542,080
@ $80.00 · 2024-08-15
ABOAF ERIC W
Chief Financial Officer
$553,630
@ $79.09 · 2024-08-14
MILROD DONNA M
Officer
$7,507
@ $74.33 · 2024-05-31
TIMBY SARAH
Officer
$307,705
@ $77.41 · 2024-05-21
BISEGNA ANTHONY C.
Officer
$50,000
@ $77.76 · 2024-05-16
ABOAF ERIC W
Chief Financial Officer
$918,360
@ $76.53 · 2024-05-14
AMBROSIUS JOERG
Officer
$306,960
@ $76.74 · 2024-05-10
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 →MA
😐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.
STT
😐Neutral(53/100)
"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.
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
Learn more →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)
STT
⚪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 (53)