Mastercard Inc (MA)vsPRA Group Inc (PRAA)
MA
Mastercard Inc
$569.19
+0.68%
FINANCIAL SERVICES · Cap: $498.62B
PRAA
PRA Group Inc
$18.93
+0.85%
FINANCIAL SERVICES · Cap: $716.07M
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 2535% more annual revenue ($35.08B vs $1.33B). MA leads profitability with a 46.3% profit margin vs -19.9%. MA appears more attractively valued with a PEG of 1.48. MA earns a higher WallStSmart Score of 72/100 (B).
MA
Strong Buy72
out of 100
Grade: B
PRAA
Strong Buy66
out of 100
Grade: B-
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
Reasonable price relative to book value
Strong operational efficiency at 41.2%
Conservative balance sheet, low leverage
Revenue surging 29.4% year-over-year
Earnings expanding 40.1% YoY
Areas to Watch
Premium valuation, high expectations priced in
Trading at 88.9x book value
Elevated debt levels
Smaller company, higher risk/reward
Expensive relative to growth rate
ROE of -25.4% — below average capital efficiency
Negative free cash flow — burning cash
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 : PRAA
The strongest argument for PRAA centers on Price/Book, Operating Margin, Debt/Equity. Revenue growth of 29.4% demonstrates continued momentum.
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 : PRAA
The primary concerns for PRAA are Market Cap, PEG Ratio, Return on Equity.
Key Dynamics to Monitor
MA profiles as a mature stock while PRAA is a growth play — different risk/reward profiles.
PRAA carries more volatility with a beta of 1.11 — expect wider price swings.
PRAA is growing revenue faster at 29.4% — 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 66/100), backed by strong 46.3% margins and 14.1% revenue growth. Both earn "Strong Buy" and "Strong 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 →PRA Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PRA Group, Inc., a service company, is engaged in the purchase, collection and management of delinquent loan portfolios in the Americas, Australia and Europe. The company is headquartered in Norfolk, Virginia.
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