WallStSmart

Mastercard Inc (MA)vsCloudflare Inc (NET)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mastercard Inc generates 1357% more annual revenue ($33.94B vs $2.33B). MA leads profitability with a 45.9% profit margin vs -3.7%. MA appears more attractively valued with a PEG of 1.58. MA earns a higher WallStSmart Score of 70/100 (B).

MA

Strong Buy

70

out of 100

Grade: B

Growth: 8.0Profit: 10.0Value: 5.0Quality: 5.5
Piotroski: 6/9Altman Z: 4.08

NET

Hold

35

out of 100

Grade: F

Growth: 8.0Profit: 2.0Value: 3.7Quality: 3.5
Piotroski: 2/9Altman Z: 0.68
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for MA.

NETSignificantly Overvalued (-60.1%)

Margin of Safety

-60.1%

Fair Value

$167.77

Current Price

$268.73

$100.96 premium

UndervaluedFair: $167.77Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MA6 strengths · Avg: 9.7/10
Market CapQuality
$422.07B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
231.6%10/10

Every $100 of equity generates 232 in profit

Profit MarginProfitability
45.9%10/10

Keeps 46 of every $100 in revenue as profit

Operating MarginProfitability
60.8%10/10

Strong operational efficiency at 60.8%

Altman Z-ScoreHealth
4.0810/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
15.8%8/10

15.8% revenue growth

NET2 strengths · Avg: 9.5/10
Revenue GrowthGrowth
33.5%10/10

Revenue surging 33.5% year-over-year

Market CapQuality
$96.38B9/10

Large-cap with strong market position

Areas to Watch

MA4 concerns · Avg: 2.8/10
PEG RatioValuation
1.584/10

Expensive relative to growth rate

P/E RatioValuation
27.6x4/10

Moderate valuation

Price/BookValuation
64.8x2/10

Trading at 64.8x book value

Debt/EquityHealth
2.821/10

Elevated debt levels

NET4 concerns · Avg: 3.3/10
PEG RatioValuation
2.384/10

Expensive relative to growth rate

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Price/BookValuation
62.2x2/10

Trading at 62.2x book value

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : NET

The strongest argument for NET centers on Revenue Growth, Market Cap. Revenue growth of 33.5% demonstrates continued momentum.

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.

Bear Case : NET

The primary concerns for NET are PEG Ratio, EPS Growth, Piotroski F-Score. Debt-to-equity of 2.31 is elevated, increasing financial risk.

Key Dynamics to Monitor

MA profiles as a growth stock while NET is a hypergrowth play — different risk/reward profiles.

NET carries more volatility with a beta of 1.67 — expect wider price swings.

NET is growing revenue faster at 33.5% — 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 35/100), 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.

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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Cloudflare Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

CloudFlare, Inc. operates a cloud platform that offers a range of network services to companies around the world. The company is headquartered in San Francisco, California.

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