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MA vs PYPL: Mastercard vs PayPal

Mastercard (MA) and PayPal (PYPL) on Torvanta's measures: MA grades higher on 3 of the 4 factor families and PYPL on 1.

MAPYPL
Value gradeD-B+
Growth gradeC+C-
Profitability gradeA+C+
Momentum gradeB+C
Market value$498.5B$48.0B
P/E (trailing)31.1x10.2x
Forward P/E (Torvanta estimate)27.7x9.2x
Revenue, last 12 months$35.1B$33.7B
Revenue growth (y/y)+16%+6%
Operating margin58.3%17.9%
Return on invested capital87.0%21.2%
Free-cash-flow yield3.4%11.5%
Total return, 1 year-2.1%-20.5%
Total return, 3 years+45.6%-4.3%

Full MA analysis · Full PYPL analysis

Frequently asked questions

Which is better, MA or PYPL?

Mastercard (MA) and PayPal (PYPL) on Torvanta's measures: MA grades higher on 3 of the 4 factor families and PYPL on 1. Which fits an investor depends on their goals; this is research, not a recommendation. Subscribers see where the model ranks each and its expected return.

Which is cheaper, MA or PYPL?

On trailing earnings MA trades at 31.1x and PYPL at 10.2x; their value grades are D- and B+ against their sectors.

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Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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