Mastercard (NYSE:MA) vs. Funding Circle (OTCMKTS:FDCHF) Head-To-Head Contrast

Mastercard (NYSE:MA) and Funding Circle (OTCMKTS:FDCHF) are both financial services companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, valuation, risk, analyst recommendations, earnings, dividends and profitability.

Analyst Ratings

This is a breakdown of current ratings and target prices for Mastercard and Funding Circle, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Mastercard	0	3	20	4	3.04
Funding Circle	0	0	0	0	N/A

Mastercard currently has a consensus price target of $512.09, suggesting a potential upside of 9.79%. Given Mastercard’s higher possible upside, analysts clearly believe Mastercard is more favorable than Funding Circle.

Valuation & Earnings

This table compares Mastercard and Funding Circle’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Mastercard	$26.39 billion	16.43	$11.20 billion	$12.58	37.08
Funding Circle	N/A	N/A	N/A	N/A	N/A

Mastercard has higher revenue and earnings than Funding Circle.

Profitability

This table compares Mastercard and Funding Circle’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Mastercard	46.45%	179.78%	30.22%
Funding Circle	N/A	N/A	N/A

Insider & Institutional Ownership

97.3% of Mastercard shares are owned by institutional investors. 0.1% of Mastercard shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

Mastercard beats Funding Circle on 9 of the 9 factors compared between the two stocks.

About Mastercard

Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. The company offers integrated products and value-added services for account holders, merchants, financial institutions, digital partners, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid programs services; and commercial credit, debit, and prepaid payment products and solutions. It also provides solutions that enable businesses or governments to make payments to businesses, including Virtual Card Number, which is generated dynamically from a physical card and leverages the credit limit of the funding account; a platform to optimize supplier payment enablement campaigns for financial institutions; and treasury intelligence platform that offers corporations with recommendations to enhance working capital performance and accelerate spend on cards. In addition, the company offers Mastercard Send, which partners with digital messaging and payment platforms to enable consumers to send money directly within applications to other consumers; and Mastercard Cross-Border Services enables a range of payment flows through a distribution network with a single point of access to send and receive money globally through various channels, including bank accounts, mobile wallets, cards, and cash payouts. Further, it provides cyber and intelligence solutions; insights and analytics, consulting, marketing, loyalty, processing, and payment gateway solutions for e-commerce merchants; and open banking and digital identity services. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus name. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.

About Funding Circle

Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom, the United States, and internationally. The company offers small business loans, recovery loan schemes, and business finance solutions to small enterprises. It also provides flexipay and flexipay card solutions. In addition, the company offers asset,vehicle, agricultural, and equipment finance services. It acts as a special purpose bankruptcy remote entity that issues loan payment dependent debt securities to accredited investors. Funding Circle Holdings plc was incorporated in 2010 and is based in London, the United Kingdom.