WallStSmart

Finance of America Companies Inc (FOA)vsMastercard Inc (MA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mastercard Inc generates 6492% more annual revenue ($32.79B vs $497.43M). MA leads profitability with a 45.7% profit margin vs 9.1%. FOA trades at a lower P/E of 4.3x. MA earns a higher WallStSmart Score of 70/100 (B).

FOA

Hold

49

out of 100

Grade: D+

Growth: 5.3Profit: 5.5Value: 7.7Quality: 4.5
Piotroski: 3/9Altman Z: 0.20

MA

Strong Buy

70

out of 100

Grade: B

Growth: 8.0Profit: 8.5Value: 10.0Quality: 6.0
Piotroski: 6/9Altman Z: 4.08
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FOAUndervalued (+19.8%)

Margin of Safety

+19.8%

Fair Value

$26.79

Current Price

$16.93

$9.86 discount

UndervaluedFair: $26.79Overvalued
MAUndervalued (+33.1%)

Margin of Safety

+33.1%

Fair Value

$751.54

Current Price

$502.76

$248.78 discount

UndervaluedFair: $751.54Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FOA3 strengths · Avg: 10.0/10
P/E RatioValuation
4.3x10/10

Attractively priced relative to earnings

Price/BookValuation
0.4x10/10

Reasonable price relative to book value

Return on EquityProfitability
30.8%10/10

Every $100 of equity generates 31 in profit

MA6 strengths · Avg: 9.3/10
Market CapQuality
$445.26B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
45.7%10/10

Keeps 46 of every $100 in revenue as profit

Operating MarginProfitability
57.7%10/10

Strong operational efficiency at 57.7%

Altman Z-ScoreHealth
4.0810/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
17.6%8/10

17.6% revenue growth

EPS GrowthGrowth
24.2%8/10

Earnings expanding 24.2% YoY

Areas to Watch

FOA4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$173.33M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-72.1%2/10

Revenue declined 72.1%

MA4 concerns · Avg: 3.3/10
PEG RatioValuation
1.604/10

Expensive relative to growth rate

P/E RatioValuation
30.2x4/10

Premium valuation, high expectations priced in

Return on EquityProfitability
2.1%3/10

ROE of 2.1% — below average capital efficiency

Price/BookValuation
58.1x2/10

Trading at 58.1x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : FOA

The strongest argument for FOA centers on P/E Ratio, Price/Book, Return on Equity.

Bull Case : MA

The strongest argument for MA centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 45.7% and operating margin at 57.7%. Revenue growth of 17.6% demonstrates continued momentum.

Bear Case : FOA

The primary concerns for FOA are EPS Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 106.49 is elevated, increasing financial risk.

Bear Case : MA

The primary concerns for MA are PEG Ratio, P/E Ratio, Return on Equity. Debt-to-equity of 2.45 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 1.69 — expect wider price swings.

MA is growing revenue faster at 17.6% — sustainability is the question.

MA generates stronger free cash flow (4.8B), providing more financial flexibility.

Bottom Line

MA scores higher overall (70/100 vs 49/100), backed by strong 45.7% margins and 17.6% revenue growth. FOA offers better value entry with a 19.8% margin of safety. 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.

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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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