Compare Stocks › MA vs TT
Mastercard Incorporated (MA) vs Trane Technologies plc (TT)
MA
Mastercard Incorporated
$495.46
VS
TT
Trane Technologies plc
$486.48
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.
TT
- ★Trane Technologies plc has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Trane Technologies plc scores 95/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
- ★Free cash flow has grown at a 32.4% CAGR over the past 4 years, demonstrating strong earnings power growth.
Risks
MA
- ⚠High leverage (2.82x 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.
TT
- ⚠FCF yield of 2.5% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠Trailing P/E of 37.2x is 34% above the historical average of 27.8x — the stock trades at a premium to its own history.
- ⚠PEG ratio of 2.39 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
Key Valuation Metrics
Learn more →MA
TT
Valuation
$16.15B
Free Cash Flow
$2.66B
3.69%
FCF Yield
2.47%
28.66
Trailing P/E
37.16
21.78
Forward P/E
28.61
Quality & Moat
63.51%
ROIC
20.02%
222.67%
ROE
33.89%
100.00%
Gross Margin
35.92%
1.35
PEG Ratio
2.39
Balance Sheet Safety
2.82
Debt / Equity
0.54
N/A
Interest Coverage
N/A
0.50
Net Debt / EBITDA
0.84
0.70%
Dividend Yield
0.86%
MA: 9Ties: 1TT: 2
MATT
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.
TT
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
$5.61
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$31.68B
Δ Market Cap
+$177.79B
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
TT
$9.12
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$5.23B
Δ Market Cap
+$47.73B
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
13.1% Margin of Safety
Price is 13.1% below estimated fair value
Current Price: $495.46
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $570.42
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
TT
21.7% Overvalued
Price is 21.7% above estimated fair value
Current Price: $486.48
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $399.59
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 $495?
+13.2%
Market-Implied Owner Earnings Growth
Standard FCF implies +12.2%
The market implies +13.2% Owner Earnings growth, roughly in line with history — reasonably priced.
Standard FCF implies +12.2%, reflecting ongoing growth investment.
TT
What growth rate is the market pricing in at $486?
+16.5%
Market-Implied Owner Earnings Growth
Standard FCF implies +17.7%
The market implies +16.5% Owner Earnings growth, roughly in line with history — reasonably priced.
Standard FCF implies +17.7%, reflecting ongoing 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.
TT
95/100
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.
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.
TT
-2.46
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 0.6%Institutions 91.3%Retail & Other 8.1%
No. of Institutional Holders4,775
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.
TT
Insiders 0.3%Institutions 89.0%Retail & Other 10.7%
No. of Institutional Holders2,365
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
TT
0
Buys (3M)
0
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
Learn more →MA
1
Sells (3M)
18
Sells (12M)
Total value (12M): $55.77M
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
KIRKPATRICK LINDA PISTECCHIA
Officer
$536,480
@ $560.00 · 2025-06-24
GENACHOWSKI JULIUS
Director
$173,910
@ $561.00 · 2025-06-24
VOSBURG CRAIG
Officer
$5.02M
@ $532.97 · 2025-06-20
SESHADRI RAJEEV
Officer
$508,474
@ $535.80 · 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
MIEBACH MICHAEL
Chief Executive Officer
$9.78M
@ $553.76 · 2025-03-05
VOSBURG CRAIG
Officer
$6.12M
@ $556.14 · 2025-03-05
VOSBURG CRAIG
Officer
$6.19M
@ $562.72 · 2025-02-26
MIEBACH MICHAEL
Chief Executive Officer
$10.17M
@ $564.95 · 2025-02-18
VOSBURG CRAIG
Officer
$7.97M
@ $565.00 · 2025-02-18
MCLAUGHLIN EDWARD GRUNDE
Officer
$6.18M
@ $564.99 · 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
MASTERCARD FOUNDATION ASSET MANAGEMENT CORPORATION
Beneficial Owner of more than 10% of a Class of Security
$47.72M
@ $445.98 · 2024-06-17
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
$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
VOSBURG CRAIG
Officer
$4.04M
@ $447.28 · 2024-06-05
SESHADRI RAJEEV
Officer
$3.71M
@ $443.93 · 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
TT
12
Sells (3M)
15
Sells (12M)
Total value (12M): $39.07M
KUEHN CHRISTOPHER J
Chief Financial Officer
$3.88M
@ $450.00 · 2026-04-08
SIMMONS DONALD E
Officer
$1.59M
@ $422.70 · 2026-03-06
ELWELL ELIZABETH A
Officer
$268,418
@ $422.71 · 2026-03-06
REGNERY DAVID S
Chief Executive Officer
$15.24M
@ $422.69 · 2026-03-06
SIMMONS DONALD E
Officer
$3.64M
@ $475.00 · 2026-02-12
SIMMONS DONALD E
Officer
$380,230
@ $462.57 · 2026-02-10
ELWELL ELIZABETH A
Officer
$63,359
@ $462.47 · 2026-02-10
REGNERY DAVID S
Chief Executive Officer
$2.59M
@ $462.60 · 2026-02-10
KUEHN CHRISTOPHER J
Chief Financial Officer
$1.11M
@ $462.70 · 2026-02-10
SIMMONS DONALD E
Officer
$198,119
@ $451.30 · 2026-02-06
ELWELL ELIZABETH A
Officer
$20,752
@ $451.13 · 2026-02-06
REGNERY DAVID S
Chief Executive Officer
$445,213
@ $451.08 · 2026-02-06
ELWELL ELIZABETH A
Officer
$264,000
@ $440.00 · 2025-10-30
ELWELL ELIZABETH A
Officer
$170,425
@ $425.00 · 2025-10-01
REGNERY DAVID S
Chief Executive Officer
$9.22M
@ $410.00 · 2025-09-02
SIMMONS DONALD E
Officer
$3.37M
@ $400.00 · 2025-05-02
SIMMONS DONALD E
Officer
$1.36M
@ $380.00 · 2025-04-30
SIMMONS DONALD E
Officer
$1.18M
@ $350.00 · 2025-03-05
REGNERY DAVID S
Chief Executive Officer
$9.36M
@ $346.95 · 2025-03-05
TURTZ EVAN M.
Officer
$1.31M
@ $346.99 · 2025-03-05
MAGNER MAIREAD
Officer
$1.25M
@ $346.95 · 2025-03-05
KUEHN CHRISTOPHER J
Chief Financial Officer
$2.93M
@ $346.96 · 2025-03-05
SIMMONS DONALD E
Officer
$429,829
@ $359.99 · 2025-02-11
REGNERY DAVID S
Chief Executive Officer
$1.12M
@ $360.14 · 2025-02-11
TURTZ EVAN M.
Officer
$171,608
@ $359.77 · 2025-02-11
MAGNER MAIREAD
Officer
$88,949
@ $360.12 · 2025-02-11
KUEHN CHRISTOPHER J
Chief Financial Officer
$308,108
@ $359.94 · 2025-02-11
REGNERY DAVID S
Chief Executive Officer
$830,239
@ $358.17 · 2025-02-10
TURTZ EVAN M.
Officer
$113,882
@ $358.12 · 2025-02-10
MAGNER MAIREAD
Officer
$57,698
@ $358.37 · 2025-02-10
KUEHN CHRISTOPHER J
Chief Financial Officer
$275,963
@ $358.39 · 2025-02-10
REGNERY DAVID S
Chief Executive Officer
$984,106
@ $357.34 · 2025-02-04
TURTZ EVAN M.
Officer
$183,723
@ $357.44 · 2025-02-04
MAGNER MAIREAD
Officer
$70,807
@ $357.61 · 2025-02-04
KUEHN CHRISTOPHER J
Chief Financial Officer
$313,100
@ $357.42 · 2025-02-04
MAGNER MAIREAD
Officer
$1.80M
@ $416.00 · 2024-12-04
KUEHN CHRISTOPHER J
Chief Financial Officer
$5.12M
@ $376.62 · 2024-11-04
PITTARD RAYMOND D
Officer
$593,221
@ $328.65 · 2024-08-07
REGNERY DAVID S
Chief Executive Officer
$9.46M
@ $321.25 · 2024-08-06
TURTZ EVAN M.
Officer
$2.89M
@ $321.30 · 2024-06-05
CAMUTI PAUL A
Officer
$6.25M
@ $321.33 · 2024-06-05
KUEHN CHRISTOPHER J
Chief Financial Officer
$2.57M
@ $320.05 · 2024-06-05
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(45/100)
"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.
TT
😏Greed(65/100)
"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.
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 (45)
TT
⚪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 (65)