Mastercard Inc (MA)vsNavient Corp (NAVI)
MA
Mastercard Inc
$569.19
+0.90%
FINANCIAL SERVICES · Cap: $498.62B
NAVI
Navient Corp
$9.42
+2.95%
FINANCIAL SERVICES · Cap: $870.31M
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 10404% more annual revenue ($35.08B vs $334.00M). MA leads profitability with a 46.3% profit margin vs -14.7%. NAVI appears more attractively valued with a PEG of 0.14. MA earns a higher WallStSmart Score of 72/100 (B).
MA
Strong Buy72
out of 100
Grade: B
NAVI
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 290 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 61.1%
Safe zone — low bankruptcy risk
Earnings expanding 22.1% YoY
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 33.9%
Earnings expanding 100.0% YoY
Areas to Watch
Premium valuation, high expectations priced in
Trading at 88.9x book value
Elevated debt levels
4.2% revenue growth
Smaller company, higher risk/reward
ROE of -2.0% — below average capital efficiency
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 46.3% and operating margin at 61.1%. Revenue growth of 14.1% demonstrates continued momentum.
Bull Case : NAVI
The strongest argument for NAVI centers on PEG Ratio, Price/Book, Operating Margin. PEG of 0.14 suggests the stock is reasonably priced for its growth.
Bear Case : MA
The primary concerns for MA are P/E Ratio, Price/Book, Debt/Equity. Debt-to-equity of 4.39 is elevated, increasing financial risk.
Bear Case : NAVI
The primary concerns for NAVI are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 18.49 is elevated, increasing financial risk.
Key Dynamics to Monitor
MA profiles as a mature stock while NAVI is a turnaround play — different risk/reward profiles.
NAVI carries more volatility with a beta of 1.20 — expect wider price swings.
MA is growing revenue faster at 14.1% — sustainability is the question.
MA generates stronger free cash flow (3.3B), providing more financial flexibility.
Bottom Line
MA scores higher overall (72/100 vs 63/100), backed by strong 46.3% margins and 14.1% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
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.
Visit Website →Navient Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Navient Corporation provides education loan management and business processing solutions for federal, state, and local government, education, and healthcare clients in the United States. The company is headquartered in Wilmington, Delaware.
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