Compare Stocks › MA vs TMO
Mastercard Incorporated (MA) vs Thermo Fisher Scientific Inc. (TMO)
MA
Mastercard Incorporated
$491.14
VS
TMO
Thermo Fisher Scientific Inc.
$470.21
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.
TMO
- ★Dividend yield of 0.37% with a consistent or growing payout over the past 4 years.
- ★Altman Z-Score of 3.85 indicates very low bankruptcy risk — the company is firmly in the safe zone.
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.
TMO
- ⚠Each dollar of retained earnings has produced only $0.17 of market value — shareholders may have been better served by dividends.
- ⚠PEG ratio of 2.85 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
- ⚠Insiders have sold $8.2M worth of stock in the past 3 months — significant insider liquidation.
Key Valuation Metrics
Learn more →MA
TMO
Valuation
$16.27B
Free Cash Flow
$6.29B
3.71%
FCF Yield
3.60%
29.77
Trailing P/E
26.52
21.70
Forward P/E
17.49
Quality & Moat
54.23%
ROIC
7.85%
193.24%
ROE
12.52%
100.00%
Gross Margin
41.08%
1.23
PEG Ratio
2.85
Balance Sheet Safety
2.56
Debt / Equity
0.77
N/A
Interest Coverage
N/A
0.43
Net Debt / EBITDA
2.81
0.71%
Dividend Yield
0.37%
MA: 7Ties: 2TMO: 3
MATMO
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.
TMO
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
TMO
$0.17
created per $1 retained over 3 years
Value Destroyer
Σ Retained
$17.29B
Δ Market Cap
+$2.95B
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
TMO
34.6% Overvalued
Price is 34.6% above estimated fair value
Current Price: $470.21
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $349.42
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.
TMO
What growth rate is the market pricing in at $470?
+13.6%
Market-Implied Owner Earnings Growth
Standard FCF implies +14.4%
The market implies +13.6% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +14.4%, reflecting heavy growth investment.
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.
TMO
60/100
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
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.
TMO
-2.47
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.
TMO
Insiders 0.2%Institutions 95.6%Retail & Other 4.3%
No. of Institutional Holders3,620
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
TMO
0
Buys (3M)
0
Buys (12M)
CHAI NELSON J
Director
$11,038
@ $551.90 · 2024-12-09
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
TMO
4
Sells (3M)
22
Sells (12M)
Total value (12M): $110.68M
SHAFER MICHAEL D
Officer
$802,536
@ $499.40 · 2026-03-11
CASPER MARC N
Chief Executive Officer
$2.06M
@ $514.82 · 2026-03-05
CASPER MARC N
Chief Executive Officer
$5.08M
@ $507.75 · 2026-03-04
PETTITI GIANLUCA
Officer
$216,480
@ $541.20 · 2026-02-09
LAGARDE MICHEL
Chief Operating Officer
$12.42M
@ $563.56 · 2025-12-04
LAGARDE MICHEL
Chief Operating Officer
$36.13M
@ $582.68 · 2025-12-03
LOWERY FREDERICK M.
Officer
$8.15M
@ $589.81 · 2025-12-02
SHAFER MICHAEL D
Officer
$6.43M
@ $600.00 · 2025-11-25
LAGARDE MICHEL
Chief Operating Officer
$2.76M
@ $594.42 · 2025-11-13
BRITT LISA P
Officer
$622,136
@ $588.59 · 2025-11-12
PETTITI GIANLUCA
Officer
$1.73M
@ $580.00 · 2025-11-10
BRITT LISA P
Officer
$5.84M
@ $571.62 · 2025-11-07
CASPER MARC N
Chief Executive Officer
$13.91M
@ $571.33 · 2025-10-27
PETTITI GIANLUCA
Officer
$229,660
@ $574.15 · 2025-10-24
CASPER MARC N
Chief Executive Officer
$200,201
@ $500.50 · 2025-09-05
HOLMES JOSEPH R.
Officer
$189,662
@ $492.63 · 2025-08-29
CASPER MARC N
Chief Executive Officer
$5.01M
@ $500.96 · 2025-08-22
CASPER MARC N
Chief Executive Officer
$248,046
@ $500.09 · 2025-08-20
CASPER MARC N
Chief Executive Officer
$8.15M
@ $452.99 · 2025-08-07
PETTITI GIANLUCA
Officer
$191,992
@ $479.98 · 2025-07-25
PETTITI GIANLUCA
Officer
$164,444
@ $411.11 · 2025-05-12
PETTITI GIANLUCA
Officer
$128,979
@ $429.93 · 2025-04-28
BOXER MICHAEL A
General Counsel
$2.01M
@ $532.59 · 2025-03-10
CASPER MARC N
Chief Executive Officer
$9.33M
@ $518.16 · 2025-03-05
SHAFER MICHAEL D
Officer
$945,038
@ $530.92 · 2025-03-03
LOWERY FREDERICK M.
Officer
$9.73M
@ $531.81 · 2025-02-24
CHAI NELSON J
Director
$8,449
@ $528.06 · 2025-02-19
PETTITI GIANLUCA
Officer
$175,677
@ $585.59 · 2025-02-04
WILLIAMSON STEPHEN
Chief Financial Officer
$11.58M
@ $589.36 · 2025-02-04
CASPER MARC N
Chief Executive Officer
$10.62M
@ $531.23 · 2024-12-03
CASPER MARC N
Chief Executive Officer
$3.26M
@ $557.89 · 2024-11-01
CASPER MARC N
Chief Executive Officer
$11.01M
@ $550.51 · 2024-10-31
CASPER MARC N
Chief Executive Officer
$11.05M
@ $552.46 · 2024-10-29
BOXER MICHAEL A
General Counsel
$1.12M
@ $560.16 · 2024-10-25
PETTITI GIANLUCA
Officer
$168,048
@ $560.16 · 2024-10-25
CASPER MARC N
Chief Executive Officer
$12.17M
@ $608.45 · 2024-09-04
CASPER MARC N
Chief Executive Officer
$6.17M
@ $617.21 · 2024-07-31
CASPER MARC N
Chief Executive Officer
$9.88M
@ $606.12 · 2024-07-30
HOLMES JOSEPH R.
Officer
$525,484
@ $611.03 · 2024-07-26
BRITT LISA P
Officer
$2.22M
@ $613.02 · 2024-07-26
BOXER MICHAEL A
General Counsel
$1.20M
@ $600.85 · 2024-07-26
PETTITI GIANLUCA
Officer
$180,255
@ $600.85 · 2024-07-26
CASPER MARC N
Chief Executive Officer
$11.37M
@ $568.72 · 2024-06-04
LAGARDE MICHEL
Chief Operating Officer
$11.80M
@ $590.05 · 2024-05-14
WILLIAMSON STEPHEN
Chief Financial Officer
$12.96M
@ $591.27 · 2024-05-13
CASPER MARC N
Chief Executive Officer
$5.74M
@ $573.74 · 2024-05-01
CASPER MARC N
Chief Executive Officer
$11.48M
@ $574.18 · 2024-04-30
BOXER MICHAEL A
General Counsel
$1.14M
@ $567.94 · 2024-04-26
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.
TMO
😨Fear(40/100)
"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.
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)
TMO
⚪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 (40)