Visa vs Mastercard
The payments duopoly compared on network moat, capital returns, and valuation — two of the widest-moat businesses in the market.
| Metric | VISA INC. V | Mastercard Incorporated MA |
|---|---|---|
| ValueOS Score | 81 | 76 |
| Verdict | BUY | HOLD |
| Moat | Narrow Moat | Narrow Moat |
| Margin of Safety | +61.4% | -26.5% |
| Intrinsic Value / share | $970.71 | $457.74 |
| Price | $375.07 | $579.21 |
Live scores from the latest SEC filings · refreshed daily. Open any card for the full workup.
The Takeaway
Visa and Mastercard share essentially the same toll-road payments moat, so the contest is usually about price and buyback intensity rather than the moat itself. Use the live Score, Moat, and DCF cards to see which is trading with the larger margin of safety today — a wonderful business at a fairer price wins.
Frequently Asked Questions
Which has the wider moat, Visa or Mastercard?
Both are wide-moat network businesses with near-identical economic moats. The Score and Moat cards above show the current read for each.
How do I compare them on valuation?
Open the DCF card for each name to see intrinsic value versus live price, then compare margins of safety. The wider the discount, the more cushion.
Run the full workup yourself
Open either name across the three tools for the complete Buffett-style analysis.
Cite this page
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ValueOS Editorial Team. "Visa vs Mastercard." ValueOS. Accessed 2026-09-07. https://getvalueos.com/compare/v-vs-ma