Comprehensive Stock Comparison
Compare KKR Group Finance Co. IX LLC 4. (KKRS) vs Mastercard Incorporated (MA) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | KKRS | 50.9% revenue growth vs MA's 16.4% |
| Value | KKRS | Lower P/E (3.3x vs 26.4x) |
| Quality / Margins | MA | 45.6% net margin vs KKRS's 22.4% |
| Stability / Safety | KKRS | Beta 0.25 vs MA's 0.78 |
| Dividends | KKRS | 3.7% yield, vs MA's 0.6% |
| Momentum (1Y) | KKRS | -2.9% vs MA's -9.7% |
| Efficiency (ROA) | MA | 27.6% ROA vs KKRS's 1.5%, ROIC 56.5% vs 28.7% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
KKR Group Finance Co. IX LLC is a special purpose financing entity that exists to raise capital for KKR's investment activities. It generates revenue primarily through interest income from loans and debt securities issued to fund KKR's private equity and credit investments. Its key advantage is its structural role within the KKR ecosystem—providing efficient, dedicated financing capacity for one of the world's largest alternative asset managers.
Mastercard is a global payment technology company that operates a network connecting consumers, merchants, financial institutions, and governments. It generates revenue primarily from transaction processing fees—charging a small percentage of each payment volume—and from service fees for its data analytics, consulting, and security solutions. The company's moat lies in its massive two-sided network effect—the more merchants accept Mastercard, the more valuable it becomes to cardholders, and vice versa—creating a powerful ecosystem that's difficult to replicate.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
MA leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). KKRS leads in 2 (Valuation Metrics, Risk & Volatility). 1 tied.
Financial Metrics (TTM)
MA and KKRS operate at a comparable scale, with $32.8B and $21.9B in trailing revenue. MA is the more profitable business, keeping 45.6% of every revenue dollar as net income compared to KKRS's 22.4%.
| Metric | KKRSKKR Group Finance… | MAMastercard Incorp… |
|---|---|---|
| RevenueTrailing 12 months | $21.9B | $32.8B |
| EBITDAEarnings before interest/tax | $18.8B | $20.5B |
| Net IncomeAfter-tax profit | $6.0B | $15.0B |
| Free Cash FlowCash after capex | $4.2B | $17.1B |
| Gross MarginGross profit ÷ Revenue | +80.2% | +83.4% |
| Operating MarginEBIT ÷ Revenue | +74.2% | +59.2% |
| Net MarginNet income ÷ Revenue | +22.4% | +45.6% |
| FCF MarginFCF ÷ Revenue | +29.7% | +52.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | +24.2% |
Valuation Metrics
At 3.3x trailing earnings, KKRS trades at a 89% valuation discount to MA's 31.3x P/E. On an enterprise value basis, KKRS's 1.0x EV/EBITDA is more attractive than MA's 22.7x.
| Metric | KKRSKKR Group Finance… | MAMastercard Incorp… |
|---|---|---|
| Market CapShares × price | $15.7B | $457.8B |
| Enterprise ValueMkt cap + debt − cash | $15.7B | $465.7B |
| Trailing P/EPrice ÷ TTM EPS | 3.34x | 31.31x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 26.43x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.49x |
| EV / EBITDAEnterprise value multiple | 0.96x | 22.67x |
| Price / SalesMarket cap ÷ Revenue | 0.72x | 13.96x |
| Price / BookPrice ÷ Book value/share | 1030.16x | 59.96x |
| Price / FCFMarket cap ÷ FCF | 2.41x | 26.68x |
Profitability & Efficiency
MA delivers a 193.0% return on equity — every $100 of shareholder capital generates $193 in annual profit, vs $8 for KKRS. On the Piotroski fundamental quality scale (0–9), MA scores 9/9 vs KKRS's 6/9, reflecting strong financial health.
| Metric | KKRSKKR Group Finance… | MAMastercard Incorp… |
|---|---|---|
| ROE (TTM)Return on equity | +8.0% | +193.0% |
| ROA (TTM)Return on assets | +1.5% | +27.6% |
| ROICReturn on invested capital | +28.7% | +56.5% |
| ROCEReturn on capital employed | +10.2% | +64.4% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 9 |
| Debt / EquityFinancial leverage | — | 2.45x |
| Net DebtTotal debt minus cash | -$9M | $7.9B |
| Cash & Equiv.Liquid assets | $9M | $11.1B |
| Total DebtShort + long-term debt | $0 | $19.0B |
| Interest CoverageEBIT ÷ Interest expense | 59.74x | 26.39x |
Total Returns (with DRIP)
A $10,000 investment in MA five years ago would be worth $14,586 today (with dividends reinvested), compared to $8,930 for KKRS. Over the past 12 months, KKRS leads with a -2.9% total return vs MA's -9.7%. The 3-year compound annual growth rate (CAGR) favors MA at 13.9% vs KKRS's 3.9% — a key indicator of consistent wealth creation.
| Metric | KKRSKKR Group Finance… | MAMastercard Incorp… |
|---|---|---|
| YTD ReturnYear-to-date | -0.7% | -8.0% |
| 1-Year ReturnPast 12 months | -2.9% | -9.7% |
| 3-Year ReturnCumulative with dividends | +12.0% | +47.9% |
| 5-Year ReturnCumulative with dividends | -10.7% | +45.9% |
| 10-Year ReturnCumulative with dividends | -10.7% | +515.7% |
| CAGR (3Y)Annualised 3-year return | +3.9% | +13.9% |
Risk & Volatility
KKRS is the less volatile stock with a 0.25 beta — it tends to amplify market swings less than MA's 0.78 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. KKRS currently trades 90.5% from its 52-week high vs MA's 85.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | KKRSKKR Group Finance… | MAMastercard Incorp… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.25x | 0.78x |
| 52-Week HighHighest price in past year | $19.44 | $601.77 |
| 52-Week LowLowest price in past year | $16.40 | $465.59 |
| % of 52W HighCurrent price vs 52-week peak | +90.5% | +85.9% |
| RSI (14)Momentum oscillator 0–100 | 49.1 | 42.8 |
| Avg Volume (50D)Average daily shares traded | 40K | 3.2M |
Analyst Outlook
For income investors, KKRS offers the higher dividend yield at 3.73% vs MA's 0.59%.
| Metric | KKRSKKR Group Finance… | MAMastercard Incorp… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $667.00 |
| # AnalystsCovering analysts | — | 63 |
| Dividend YieldAnnual dividend ÷ price | +3.7% | +0.6% |
| Dividend StreakConsecutive years of raises | 0 | 14 |
| Dividend / ShareAnnual DPS | $0.66 | $3.07 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.6% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Apr 21 | Feb 26 | Change |
|---|---|---|---|
| KKR Group Finance C… (KKRS) | 100 | 67.78 | -32.2% |
| Mastercard Incorpor… (MA) | 100 | 146.38 | +46.4% |
Mastercard Incorpor… (MA) returned +46% over 5 years vs KKR Group Finance C… (KKRS)'s -11%. A $10,000 investment in MA 5 years ago would be worth $14,586 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| KKR Group Finance C… (KKRS) | $763M | $21.9B | +2768.9% |
| Mastercard Incorpor… (MA) | $10.8B | $32.8B | +204.3% |
Mastercard Incorporated's revenue grew from $10.8B (2016) to $32.8B (2025) — a 13.2% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| KKR Group Finance C… (KKRS) | 40.6% | 22.4% | -44.7% |
| Mastercard Incorpor… (MA) | 37.7% | 45.6% | +21.2% |
Mastercard Incorporated's net margin went from 38% (2016) to 46% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| KKR Group Finance C… (KKRS) | 1.3 | 3.5 | +169.2% |
| Mastercard Incorpor… (MA) | 41.5 | 34.6 | -16.6% |
KKR Group Finance Co. IX LLC 4. has traded in a 1x–5x P/E range over 3 years; current trailing P/E is ~3x. Mastercard Incorporated has traded in a 34x–56x P/E range over 9 years; current trailing P/E is ~31x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| KKR Group Finance C… (KKRS) | 0.59 | 5.26 | +791.5% |
| Mastercard Incorpor… (MA) | 3.69 | 16.52 | +347.7% |
Mastercard Incorporated's EPS grew from $3.69 (2016) to $16.52 (2025) — a 18% CAGR.
Chart 6Free Cash Flow — 5 Years
KKR Group Finance Co. IX LLC 4. generated $7B FCF in 2024 (+189% vs 2021). Mastercard Incorporated generated $17B FCF in 2025 (+98% vs 2021).
KKRS vs MA: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is KKRS or MA a better buy right now?
KKR Group Finance Co. IX LLC 4. (KKRS) offers the better valuation at 3.3x trailing P/E, making it the more compelling value choice. Analysts rate Mastercard Incorporated (MA) a "Buy" — based on 63 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — KKRS or MA?
On trailing P/E, KKR Group Finance Co. IX LLC 4. (KKRS) is the cheapest at 3.3x versus Mastercard Incorporated at 31.3x.
03Which is the better long-term investment — KKRS or MA?
Over the past 5 years, Mastercard Incorporated (MA) delivered a total return of +45.9%, compared to -10.7% for KKR Group Finance Co. IX LLC 4. (KKRS). A $10,000 investment in MA five years ago would be worth approximately $15K today (assuming dividends reinvested). Over 10 years, the gap is even starker: MA returned +515.7% versus KKRS's -10.7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — KKRS or MA?
By beta (market sensitivity over 5 years), KKR Group Finance Co. IX LLC 4. (KKRS) is the lower-risk stock at 0.25β versus Mastercard Incorporated's 0.78β — meaning MA is approximately 207% more volatile than KKRS relative to the S&P 500.
05Which has better profit margins — KKRS or MA?
Mastercard Incorporated (MA) is the more profitable company, earning 45.6% net margin versus 22.4% for KKR Group Finance Co. IX LLC 4. — meaning it keeps 45.6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: KKRS leads at 74.2% versus 59.2% for MA. At the gross margin level — before operating expenses — MA leads at 83.4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — KKRS or MA?
All stocks in this comparison pay dividends. KKR Group Finance Co. IX LLC 4. (KKRS) offers the highest yield at 3.7%, versus 0.6% for Mastercard Incorporated (MA).
07Is KKRS or MA better for a retirement portfolio?
For long-horizon retirement investors, KKR Group Finance Co. IX LLC 4. (KKRS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.25), 3.7% yield). Both have compounded well over 10 years (KKRS: -10.7%, MA: +515.7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between KKRS and MA?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: KKRS is a mid-cap deep-value stock; MA is a large-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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