Mastercard Incorporated (MA) is overvalued and SoFi Technologies Inc (SOFI) is undervalued.
Against our estimates of intrinsic value, SOFI trades at the wider discount: a margin of safety of +40%, against -23% for MA.
Values as of the 22 Sept 2026 close.
Discounting its cash flows at 9.0% (average of 3 methods) values the shares at $451.02; the price of $555.89 is 23% above that value, and 77% of that value comes from beyond year five.
Leak Score 70/100 on 9 of 12 signals
Discounting its cash flows at 14.1% (average of 3 methods) values the shares at $28.62; the price of $17.16 is 40% below that value, and 63% of that value comes from beyond year five.
Leak Score 50/100 on 9 of 12 signals
| Metric | MA | SOFI |
|---|---|---|
| Verdict | Overvalued | Undervalued |
| Price | $555.89 | $17.16 |
| Intrinsic value | $451.02 | $28.62 |
| Margin of safety | -23% | +40% |
| Leak Score | 70/100 (9/12) | 50/100 (9/12) |
| Market cap | $487.0B | $22.2B |
| Revenue growth, 5 years | 16.5% | 44.7% |
| Operating margin | 59.2% | 15.3% |
| Net margin | 46.3% | 11.4% |
| Return on equity | 241.5% | 7.1% |
| Debt to equity | 4.39 | 0.31 |
| P/E | 30.6x | 36.2x |
| Forward P/E | 24.1x | 20.9x |
| P/B | 87.0x | 2.0x |
| Dividend yield | 0.6% | — |