Head to head · SEC data as of September 11, 2026
Visa
88
Quality score · out of 100
Mastercard
93
Quality score · out of 100
Mastercard comes in ahead: a quality score of 93 versus 88 for Visa. Mastercard wins on ROE (289.7% vs 62.4%), revenue growth (16.3% vs 13.1%) and earnings growth (21% vs 13.9%). Visa answers with net margin (51.7% vs 46.3%).
| Metric | Visa | Mastercard |
|---|---|---|
| Quality score (0-100) | 88 | 93 |
| Net margin | 51.7% | 46.3% |
| Gross margin | — | — |
| ROE | 62.4% | 289.7% |
| Net debt/EBITDA | 0.42× | 0.62× |
| FCF margin | 49.2% | 47.6% |
| Revenue growth (annualized) | 13.1% | 16.3% |
| Earnings growth (annualized) | 13.9% | 21% |
TTM metrics with official SEC data, refreshed daily. Bold green marks the winner of each metric. A dash means the metric doesn't apply or isn't reliable.
Visa. Visa runs the world's largest payments network. It doesn't lend money or issue cards: it takes a small fee on every transaction that flows through its network, which gives it very high and stable margins.
Mastercard. Mastercard runs one of the world's largest payment networks. Like Visa, it doesn't lend money or issue cards: it takes a small fee on every transaction across its network, a high-margin and very stable model.
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What this comparison doesn't tell you
The score measures business quality, not whether the stock is cheap or expensive: the better company can be the worse investment if you overpay. For the valuation verdict, enter each one's current price in the analyzer:
Who has the stronger fundamentals today, Visa or Mastercard?
By the StockSemáforo model (profitability, growth and financial strength, built on official SEC data), Mastercard scores higher: 93 versus 88 out of 100. The score is recomputed nightly with the latest filings.
Does that make Mastercard the better investment?
No. The score measures business quality, not valuation: an excellent company can trade at an excessive price and be a poor investment at that price. To find out whether it's cheap or expensive, enter its current quote in the StockSemáforo analyzer.
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Who's behind the methodology and model · how the score is computed
Data: official SEC filings (EDGAR) · Recomputed on September 11, 2026
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