Visa And Mastercard: A Showdown Between Two Of The Largest Credit Card Companies

seekingalpha2021-04-22

Summary I am comparing Visa and Mastercard across 18 categories which will be based on their income statements, balance sheets, cash flow statements, and their dividend. I am not a shareholder of ...

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GRNSquirrel
·2021-04-23
I like both .. need a entry point
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彭琪媛
·2021-04-22
?
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athenaang
·2021-04-22
Like and comment plwaseeeee
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MichelleTSL
·2021-04-22
Like and comment pls
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- Yoongs:
  Done
  2021-04-22
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Glyao
·2021-04-22
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- FredChu:
  Great
  2021-04-22
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Fynn_SG
·2021-04-22
Ok
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- Yoongs:
  Ok
  2021-04-22
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- Lachry:
  ok
  2021-04-22
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- jojojogate:
  nice
  2021-04-22
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Lauuu
·2021-04-22
[What] [What]
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}\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nVisa And Mastercard: A Showdown Between Two Of The Largest Credit Card Companies\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-04-22 21:21 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4420318-visa-and-mastercard-showdown><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nI am comparing Visa and Mastercard across 18 categories which will be based on their income statements, balance sheets, cash flow statements, and their dividend.\nI am not a shareholder of ...</p>\n\n<a href=\"https://seekingalpha.com/article/4420318-visa-and-mastercard-showdown\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"V","symbol_name":"Visa","start_time":0,"source_url":"https://seekingalpha.com/article/4420318-visa-and-mastercard-showdown","article_id":"1162855402","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=1162855402","pubTimestamp":1619097663,"sourceInfo":{"source_id":"seekingalpha","name":"Seeking Alpha"},"weMediaInfo":null,"summary":"Summary\n\nI am comparing Visa and Mastercard across 18 categories which will be based on their income","collect":0,"end_time":0,"defaultTopTitle":"seekingalpha.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"V":"Visa","MA":"万事达"},"translate_title":"Visa与万事达：两大信用卡公司的对决","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"MA":0.9,"V":0.9},"content_text":"Summary\n\nI am comparing Visa and Mastercard across 18 categories which will be based on their income statements, balance sheets, cash flow statements, and their dividend.\nI am not a shareholder of Visa or Mastercard, so this comparison is completely unbiased.\nMy analysis will answer which company's financial metrics are stronger, in my opinion, and if I would be willing to start a position in either company.\n\nPhoto by fcafotodigital/iStock Unreleased via Getty Images\nI have written 3 comparison articles over the recent month which include comparing the original FANG stocks,Apple (AAPL) and Microsoft (MSFT), and PayPal (PYPL) & Square (SQ). I have received an overwhelming number of requests to write a similar article on Visa (V) andMastercard Incorporated (MA) since the FANG article was published. In full disclosure I am not a shareholder of either company, I don't have a horse in the race and most of the funds I own probably have positions in both V and MA. Here comes an unbiased view as I also have no intentions of starting a position in V or MA in the near future. I haven’t conducted my research yet, so on a personal level it will be interesting to see if my viewpoint changes by the end of the article.\nFor this article, I am going to analyze V and MA’s income statements, balance sheets, cash flow statements, and their dividends. Across these four categories, I will be conducting an 18-point review of each company. I will be awarding 1 point for each category and determining which company I believe is the better investment by the end of the article. Since MA’s fiscal year is on a calendar year and V’s fiscal year ends in September, I am choosing to use eachcompany's 2020 fiscal year numbers as the cut off for this analysis. Get ready because the number crunching starts now.\n\nIncome Statement\nBalance Sheet\nCash Flow Statement\nDividends\n\nRound 1: The Income Statement\nCall me old fashioned but I liked to start with the company’s income statement. This allows me to understand a company’s results not just for the prior year or trailing twelve months (TTM) but over an extended period of time. The income statement provides insights into the company’s revenue, expenses and profits. Through solid analysis, I can visualize the previous trajectory of each segment and build a forecasting model for the future.\nStarting with total revenue and growthVgenerated $21.85 billion in 2020 which was a 5-year increase of $7.97 billion (52.82%) and $3.49 billion (19%) over the past 3 years. V has a 5-year average growth rate of 9.84% and 6.28% over the past 3 years. In 2020 throughout the pandemic, V saw its revenue decrease YoY by -$1.13 billion (-4.92%).MA finished 2020 generating $15.30 billion in revenue which was an increase of $5.63 billion (52.28%) over the past 5 years and $2.80 billion (22.44%) over the past 3-years. MA had an average annual growth rate over the past 5-years of 10.13% and 7.73% over the past 3-years. In 2020 MA also suffered declining revenues due to the pandemic as they decreased by $1.58 billion (-9.37%).\nV and MA have very similar growth rates as V’s 5-year revenue increase was 52.82% withan average annual growth rate of 9.84% while MA’s was 52.28% and 10.13%. On the 3-year side, V grew its revenue by 19% and had an average annual growth rate of 6.28% while MA grew its revenue by 22.44% with an average annual growth rate of 7.73%. I also have to take into consideration that V generated an additional $6.55 billion in revenue for 2020 and grew its revenue base by an additional $2.33 billion over the past 5-years and $684 million over the past 3-years than MA. V also had less of a decrease in both overall revenue loss and percentage loss in 2020 than MA. While this was close, I am awarding the point to V.\nTotals\nV – 1\nMA – 0\n(Source: Steven Fiorillo) (Data Source: Seeking Alpha)\nThe second aspect of the income statement I review is gross profit. I was shocked after looking at V and MA’s income statements as their cost of revenue is almost non-existent. It seems as if all their expenses are on the operating side. In 2020 V generated $21.12 billion in gross profit which was an increase of $7.71 billion (57.53%) over the past 5 years and $3.38 billion (19.06%) over the past 3 years. V’s 5-year annual average growth rate was 9.87% and 6.31% over the past 3 years. MA generated $15.30 billion in gross profit which was an increase of $5.63 billion (58.28%) over the past 5-years and $2.80 billion (22.44%) over the past 3 years. MA has a 5-year average annual growth rate of 10.13% and 7.73% over the past 3-years.\nGross profit is actually much closer than total revenue in my opinion because of 1 specific factor. While the growth rates are similar MA retains 100% of their revenue as gross profit as there are $0 in costs of revenue. If this wasn’t the case, I would give V the point because they are growing at almost the same rate from a larger base which is harder to do but I am astonished that MA retains 100% of their revenue as gross profit. I am splitting the point and giving MA .25 and V .75 in this category.\nTotals\nV – 1.75\nMA – 0.25\n(Source: Steven Fiorillo) (Data Source: Seeking Alpha)\nPrior to examining metrics, net income is the last category I look at on the income statement. Net income represents the pure profit a company generates as every last expense is deducted from its revenue. V generated $10.87 billion in net income for 2020 which was a $4.54 billion (71.71%) increase over the past 5-years and $3.38 billion (19.06%) over the past 3-years. V has a 5-year average annual growth rate of 13.50% and 20.33% over the past 3 years. MA generated $6.41 billion in net income for 2020 which was an increase of $2.60 billion (68.36%) over the past 5 years and $2.5 billion (63.75%) over the past 3 years. MA has a 5-year average annual growth rate of 14.05% and 22.39% over the past 3-years.\nSo far in my opinion, V and MA have been very close and I think their numbers are both great but I am giving the point to V in this category. V is generating $4.46 billion more in net income and is generating similar growth rates from a larger starting point.\nTotals\nV – 2.75\nMA – 0.25\n(Source: Steven Fiorillo) (Data Source: Seeking Alpha)\nThe first ratio I look at is the gross profit margin. I am a fan of many financial books and if you haven’t read Warren Buffett and the Interpretation of Financial Statements I suggest you add it to your reading list. On page 34 of the Kindle edition it says:\nAs a very general rule (and there are exceptions): Companies with gross profit margins of 40% or better tend to be companies with some sort of durable competitive advantage. Companies with gross profit margins below 40% tend to be companies in highly competitive industries, where competition is hurting overall profit margins (there are exceptions here, too).\nI have never seen gross profit margins so high as V had a 96.67% gross profit margin and MA had a 100% gross profit margin in 2020. There isn’t much to discuss and even though the numbers are very close and the best ratios I have seen I am giving MA the point.\nTotals\nV – 2.75\nMA – 1.25\nNext is the net income conversion ratio. Not many people look at this but I consider it a focal point of the income statement. This ratio allows me to see how much of acompany's revenue reaches the bottom line and is retained as net income. In 2020 V had a net income ratio of 49.74% ($10,866 / $21,846) and MA had a net income conversion rate of 41.90% ($6,411 / $15,301).\nI am awarding the point to V as they retain 49.74% of their revenue as net income. This is something which is uncommon from all of the balance sheets I have read.\nTotals\nV – 3.75\nMA – 1.25\nRound 2: The Balance Sheet\nAfter analyzing a company’s income statement I move to the balance sheet. This allows me to review the financial health of a company. First, I start with the current assets and look for how much total cash and short term investments a company has on the books. This is always my starting point because I like seeing how big a company’s war-chest is. In 2020 V had $20.04 billion in cash and short-term investments which is an increase of $14.03 billion (156.93%) over the past 5 years and $6.69 billion (50.05%) over the past 3 years. V has had an average annual growth rate of 30.96% over the past 5-years and 18.92% over the past 3-years. In 2020 MA had $10.60 billion in cash and short-term investments on the books which was an increase of $3.86 billion (46.29%) over the past 5-years and $2.81 billion (36.16%) over the past 3-years. MA has had an average annual growth rate of 10.88% over the past 5-years and 12.44% over the past 3-years.\nIn this category, V is the clear winner as they have almost double the total cash and short-term investments on the books. V has also done a better job at growing their war chest in overall growth and on their average annual growth rates.\nTotals\nV – 4.75\nMA – 1.25\n(Source: Steven Fiorillo) (Data Source: Seeking Alpha)\nNext, I look at total assets which includes everything from cash on hand, the patents a company holds, theplants and equipment and everything in-between. At the end of 2020 V had $80.92 billion in total assets which was an increase of $41.55 billion (105.53%) over the past 5 years and $12.94 billion (19.04%) in the past 3 years. Over the past 5 years, V has had an annual average growth rate of 17.40% and 6.06% over the past 3 years. MA currently has $33.58 billion in total assets on the books which is an increase of $17.33 billion (106.67%) over the past 5 years and $12.26 billion (57.46%) over the past 3 years. MA has had an average annual growth rate of 15.63% over the past 5-years and 16.34% over the past 3 years.\nI am going to award the point to V on this line item for several reasons. Over the past 5 years, V has grown its total assets by $41.55 billion which is more than what MA has on the books. I am going to place a higher priority on the 5-year growth trend over the past 3-years because in the past 3 years MA and V have grown their total assets by almost the same amount even though the growth percentage is drastically different.\nTotals\nV – 5.75\nMA – 1.25\n(Source: Steven Fiorillo) (Data Source: Seeking Alpha)\nSticking with assets I like to look at the return on asset ratio to see how efficient a company can utilize their asset base. As an investor, I am looking to generate a return on my capital so this is an important aspect to review. The return on asset ratio is calculated by dividing the net earnings by total assets. V generated $10.87 billion in net income of $80.92 billion in assets. V’s return on asset ratio was 13.43% ($10.87B / $80.92B) in 2020. MA generated $6.41 billion in net income from $33.58 billion in assets. MA’s return on asset ratio was 19.09% ($6.41B / $33.58B) in 2020.\nMA is the winner in this category. Even though MA has a smaller asset base they are more efficient in generating revenue from their assets.\nTotals\nV – 5.75\nMA – 2.25\nStaying with ratio’s I also look at a company’s total cash and short-term investments to their total long-term debt. A lot of people don’t look at this but I feel more comfortable if a company has more on hand liquidity than their long-term debt or at least a large percentage. At the close of 2020 V had $20.94 billion in total cash & short-term investments on hand while there was $21.07 billion in long-term debt on the books. V had a ratio of 95.11% ($20.04B / $21.07B) as almost all their long-term debt is covered by on hand liquidity. MA finished 2020 with $10.60 billion in total cash & short-term investments with $12.02 billion in long-term debt. MA’s ratio was 88.13% ($10.60B / $12.02B) as almost all their long-term debt is covered by their on-hand liquidity.\nThis is a hard category because the ratios are very close. I am going to split the point and even though V’s ratio is larger by 6.98% more than 88% of MA’s debt is covered by their cash and short-term investments on hand. I am going to give MA .25 and V .75 in this category.\nTotals\nV – 6.50\nMA – 2.50\nTotal equity and growth are a big factor for me because this shows the value of the company after the liabilities are canceled out from its assets. In 2020 V’s total equity was $36.21 billion which was an increase of $6.37 billion (21.34%) over the past 5-years and $3.45 billion (10.53%) over the past 3-years. V has had an average annual growth rate of 4% over the past 5-years and 3.4% over the past 3-years. MA finished 2020 with $6.52 billion in total equity which was an increase of $455 million (7.51%) over the past 5-years and $949 million (17.04%) over the past 3-years. MA hasn’t been a straight line of growth as their total equity has bounced around a bit and dipped in 2016, 2017, and 2018 before it started growing again.\nV is the clear winner for total equity as they have grown their total equity by almost the equivalent of MA’s 2020 total equity over the past 5 years while having better growth rates over the past 5 years and similar growth rates over the past 3 years.\nTotals\nV – 7.50\nMA – 2.50\n(Source: Steven Fiorillo) (Data Source: Seeking Alpha)\nThe last category I look at on the balance sheet is the total equity to total asset ratio. This allows me to see how much of a company's assets convert to equity while illustrating how efficiently the organization operates. V has total equity to total asset ratio of 44.75% ($36.21 B / $80.92 B). At the end of 2020, MA’s total equity to total asset ratio was 19.41% ($6.52B / $$33.59B).\nIn this category, V is doing a much better job of keeping their liabilities at bay and converting assets to equity.\nTotals\nV – 8.50\nMA – 2.50\nRound 3: Cash Flow Statement\nSometimes the cash flow statement becomes overlooked as it is time consuming to review an income statement, balance sheet and read through presentations & earnings reports. The cash flow statement provides an immense amount of critical information as it illustrates how effective a company’s business operations are at generating cash. There is an old saying that cash is king and still to this day it holds true because a company that generates large amounts of cash has options.\nThe first area I look at is cash from operations as this indicates the amount of money a company brings in from its ongoing operations. V generated $10.44 billion in cash from operations in 2020 which was an increase of $3.86 billion (69.18%) over the past 5-years and $1.12 billion (12.05%) over the past 3-years. V has had a 14.23% average annual growth rate over the past 5-years and 6.45% over the past 3-years. MA generated $7.22 billion in cash from operations in 2020 which was a $3.12 billion (67.35%) increase over the past 5-years and $1.56 billion (27.54%) over the past 3-years. MA has had an average annual growth rate of 12.97% over the past 5-years and 9.88% over the past 3-years.\nI am giving the point to MA in this category as their growing at a much quicker pace over the past 3 years and their cash from operations wasn’t affected nearly as much during the pandemic.\nTotals\nV – 8.50\nMA – 3.50\n(Source: Steven Fiorillo) (Data Source: Seeking Alpha)\nThe next category I look at is the levered free cash flow. This is important because levered free cash flow represents the cash that is left over after all the bills are paid. In 2020 V generated $8.23 billion in levered free cash flow which is an increase of $1.34 billion (19.42%) over the past 5-years and $867.2 million (11.77%) over the past 3-years. V has had an average annual growth rate of 5.4% over the past 5-years and 6.66% over the past 3-years. MA generated $6.17 billion in levered free cash flow in 2020 which was an increase of $1.57 billion (34.19%) over the past 5-years and $353.4 million (6.08%) over the past 3-years. MA has had an annual average growth rate of 6.79% over the past 5-years and 2.79% over the past 3-years.\nOn the levered free cash flow I am awarding the point to V as they are generating more than $2 billion more than MA and as of the past 3 years are growing this line item at a quicker rate.\nTotals\nV – 9.50\nMA – 3.50\n(Source: Steven Fiorillo) (Data Source: Seeking Alpha)\nThe last item on the cash flow statement I am looking at is how much free cash each share generates. In 2020 V generated $4.54 in free cash flow per share which was an increase of $2.02 (80.16%) over the past 5 years and $0.79 (21.07%) over the past 3 years. V has had a 5-year annual average growth rate of 17.98% and 9.63% over the past 3-years. MA generated $6.50 in free cash flow per share in 2020 which was an increase of $3.19 (96.17%) over the past 5-years and $1.59 (32.38%) over the past 3-years. MA has a 5-year average annual growth rate of 15.55% and 11.33% over the past 3-years.\nI am awarding MA the point in this category as they generate more free cash flow per share and are growing this number at a quicker pace.\nTotals\nV – 9.50\nMA – 4.50\n(Source: Steven Fiorillo) (Data Source: Seeking Alpha)\nRound 4: The Dividend\nSince both V and MA pay a dividend, I am throwing this category into the analysis.V pays its shareholders $1.28 which is a yield of 0.57% per share.MA’s dividend is $1.76 which is a yield of 0.46% per share.\nVisa Dividend\n\n(Source: Seeking Alpha)\nMastercard Dividend\n\n(Source: Seeking Alpha)\nFor the actual dividend and yield I am calling it a draw. Both dividends are low yielding and there really isn’t enough difference to call one better than the other in my opinion. I am splitting the point 0.5 and 0.5.\nTotals\nV – 10\nMA – 5\nThe next category is the payout ratio. Companies, which have a lower payout ratio, have the ability to provide dividend increases as less of their earnings are utilized to fund their dividend program. V has a payout ratio of 23.25% and MA has a payout ratio of 21.88%.\nOnce again, I am calling this a draw as both companies have a super low payout ratio leaving more than enough room to continue their dividend increases in the future. The point is split 0.5 for V and 0.5 for MA\nTotals\nV – 10.5\nMA – 5.5\nThe next category I look at is the 5-year average growth rate of a company’s dividend. I like seeing consistent growth because it increases the compounding effect when dividends are reinvested. V has a 5-year growth rate of 18.98% for its dividend while MA has a 5-year growth rate of 19.14%.\nMA and V are so similar in their dividend that I am splitting the point again. Both offer a great growth rate that is almost identical. The point is split 0.5 for V and 0.5 for MA.\nTotals\nV – 11\nMA – 6\nThe last category I look at is the history of annual dividend increases. V has provided investors with 12 consecutive years of dividend growth while MA has increased its dividend for 10 consecutive years.\nV and MA are very similar in this aspect but I am going to give the edge to V for having 2 additional years of dividend growth and award the full point to V.\nTotals\nV – 12\nMA – 6\nAt the conclusion of my analysis, Visa is the winner\nV took 3.75 points in round 1, 4.75 points in round 2, 1 point in round 3, and 2.5 points in round 4. Overall Visa came out ahead 12-6 throughout my 18 different categories across the income statement, balance sheet, cash flow statement and dividend metrics.\n(Source: Steven Fiorillo)\nConclusion\nThe two questions I wanted to answer from my analysis were which company had the better financial metrics and would I invest in either company at today's valuations. Based on my research and analysis I believe V has stronger financial metrics than MA. As far as an investmentneither V nor MA grabs my attention.Vhas a market cap of almost $500 billion and its share price has increased by almost 180% over the past 5 years. V could certainly continue to appreciate in value but I would like to see a modest pullback before I would consider adding them to my portfolio. In the end, I believe V is a better investment but it's not right for me at its current level.","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":376266288,"gmtCreate":1619132949144,"gmtModify":1704720012230,"author":{"id":"3581840014408520","authorId":"3581840014408520","name":"GRNSquirrel","avatar":"https://static.tigerbbs.com/690454fce76a4c971959c67cd6dc47a8","vip":1,"crmLevel":2,"crmLevelSwitch":0,"authorIdStr":"3581840014408520","idStr":"3581840014408520"},"htmlText":"I like both .. need a entry point","listText":"I like both .. need a entry point","text":"I like both .. need a entry 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