Digital Payments: Global Duopoly Rails vs Digital Checkout Pioneer
MA vs PYPL: Head-to-Head Comparison
Comparing quantitative economic moats, Forward P/E multiples, balance sheet liquidity, and institutional 13F whale conviction.
👑 Higher Moat Score
MA
MA 🇺🇸
Mastercard Incorporated
$569.19
+0.68%
MOAT SCORE
⚡ 91.0/100
VS
PYP
PYPL 🇺🇸
PayPal Holdings, Inc.
$53.72
+0.77%
MOAT SCORE
⚡ 83.0/100
📊 Quantitative Fundamental Matchup
| Fundamental Metric | MA (Mastercard Incorporated) | PYPL (PayPal Holdings, Inc.) | Advantage |
|---|---|---|---|
| Moat Score™ (0-100) | ⚡ 91.0 | ⚡ 83.0 | MA (+8.0 pts) |
| Market Capitalization | $498.6B | $46.0B | - |
| Forward P/E Ratio | 28.6x | 10.0x | PYPL (Cheaper Multiple) |
| Trailing P/E Ratio | 31.3x | 10.2x | - |
| Gross Profit Margin | 100.0% | 40.5% | MA (Higher Pricing Power) |
| YoY Revenue Growth | +14.1% | +4.8% | MA |
| Free Cash Flow | $17.0B | $4.4B | - |
| Superinvestor 13F Backing | None Tracked | None Tracked | - |
🏆 The MoatPicks Verdict: MA Wins on Fundamentals
Based on our 12-point quantitative audit, MA (Mastercard Incorporated) achieves an overall Moat Score of 91.0/100 compared to 83.0/100 for PYPL. MA demonstrates superior capital allocation efficiency, wider gross margins, and stronger defensive economic moat characteristics in the Digital Payments sector.
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