Finance of America Companies Inc (FOA)vsMastercard Inc (MA)
FOA
Finance of America Companies Inc
$19.07
-1.29%
FINANCIAL SERVICES · Cap: $175.17M
MA
Mastercard Inc
$491.08
+0.71%
FINANCIAL SERVICES · Cap: $422.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 7411% more annual revenue ($33.94B vs $451.89M). MA leads profitability with a 45.9% profit margin vs 7.2%. FOA trades at a lower P/E of 8.7x. MA earns a higher WallStSmart Score of 70/100 (B).
FOA
Hold48
out of 100
Grade: D+
MA
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Mega-cap, among the largest globally
Every $100 of equity generates 232 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 60.8%
Safe zone — low bankruptcy risk
15.8% revenue growth
Areas to Watch
Smaller company, higher risk/reward
7.2% margin — thin
Revenue declined 27.5%
Earnings declined 64.7%
Expensive relative to growth rate
Moderate valuation
Trading at 64.8x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FOA
The strongest argument for FOA centers on P/E Ratio, Price/Book.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.9% and operating margin at 60.8%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : FOA
The primary concerns for FOA are Market Cap, Profit Margin, Revenue Growth. Debt-to-equity of 88.46 is elevated, increasing financial risk.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.82 is elevated, increasing financial risk.
Key Dynamics to Monitor
FOA profiles as a value stock while MA is a growth play — different risk/reward profiles.
FOA carries more volatility with a beta of 1.70 — expect wider price swings.
MA is growing revenue faster at 15.8% — sustainability is the question.
MA generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
MA scores higher overall (70/100 vs 48/100), backed by strong 45.9% margins and 15.8% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Finance of America Companies Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Finance of America Companies Inc. operates a consumer loan platform in the United States. The company is headquartered in Irving, Texas.
Visit Website →Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
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