Mastercard Inc (MA)vsWorld Acceptance Corporation (WRLD)
MA
Mastercard Inc
$496.32
+1.05%
FINANCIAL SERVICES · Cap: $442.93B
WRLD
World Acceptance Corporation
$130.85
-1.83%
FINANCIAL SERVICES · Cap: $659.23M
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 5619% more annual revenue ($32.79B vs $573.38M). MA leads profitability with a 45.7% profit margin vs 7.5%. WRLD appears more attractively valued with a PEG of 0.70. MA earns a higher WallStSmart Score of 70/100 (B).
MA
Strong Buy70
out of 100
Grade: B
WRLD
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+34.6%
Fair Value
$759.27
Current Price
$496.32
$262.95 discount
Margin of Safety
-141.2%
Fair Value
$52.84
Current Price
$130.85
$78.01 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 210 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 57.7%
Safe zone — low bankruptcy risk
17.6% revenue growth
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 57.4x book value
Elevated debt levels
1.9% revenue growth
Smaller company, higher risk/reward
7.5% margin — thin
Earnings declined 86.0%
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 45.7% and operating margin at 57.7%. Revenue growth of 17.6% demonstrates continued momentum.
Bull Case : WRLD
The strongest argument for WRLD centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.70 suggests the stock is reasonably priced for its growth.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.45 is elevated, increasing financial risk.
Bear Case : WRLD
The primary concerns for WRLD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.35 is elevated, increasing financial risk.
Key Dynamics to Monitor
MA profiles as a growth stock while WRLD is a value play — different risk/reward profiles.
WRLD carries more volatility with a beta of 1.21 — 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 54/100), backed by strong 45.7% margins and 17.6% 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 →World Acceptance Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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