Comprehensive Stock Comparison
Compare Pintec Technology Holdings Limited (PT) 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 | MA | 16.4% revenue growth vs PT's -33.3% |
| Quality / Margins | MA | 45.6% net margin vs PT's -44.0% |
| Stability / Safety | PT | Beta 0.53 vs MA's 0.78 |
| Dividends | MA | 0.6% yield; 14-year raise streak; PT pays no meaningful dividend |
| Momentum (1Y) | PT | -5.7% vs MA's -9.7% |
| Efficiency (ROA) | MA | 27.6% ROA vs PT's -12.4% |
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
Pintec Technology operates a digital platform connecting Chinese financial institutions with borrowers and investors. It generates revenue primarily through technology service fees from loan facilitation (roughly 70% of revenue) and wealth management product distribution fees (around 30%). The company's key advantage is its proprietary AI-driven risk assessment technology and extensive partner network within China's financial ecosystem.
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 2 of 6 categories (Financial Metrics, Profitability & Efficiency). PT leads in 2 (Valuation Metrics, Total Returns). 1 tied.
Financial Metrics (TTM)
MA is the larger business by revenue, generating $32.8B annually — 933.1x PT's $35M. MA is the more profitable business, keeping 45.6% of every revenue dollar as net income compared to PT's -44.0%.
| Metric | PTPintec Technology… | MAMastercard Incorp… |
|---|---|---|
| RevenueTrailing 12 months | $35M | $32.8B |
| EBITDAEarnings before interest/tax | -$6M | $20.5B |
| Net IncomeAfter-tax profit | -$12M | $15.0B |
| Free Cash FlowCash after capex | $0 | $17.1B |
| Gross MarginGross profit ÷ Revenue | +63.5% | +83.4% |
| Operating MarginEBIT ÷ Revenue | -40.1% | +59.2% |
| Net MarginNet income ÷ Revenue | -44.0% | +45.6% |
| FCF MarginFCF ÷ Revenue | -42.6% | +52.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +37.0% | +24.2% |
Valuation Metrics
| Metric | PTPintec Technology… | MAMastercard Incorp… |
|---|---|---|
| Market CapShares × price | $48M | $457.8B |
| Enterprise ValueMkt cap + debt − cash | $45M | $465.7B |
| Trailing P/EPrice ÷ TTM EPS | -0.19x | 31.31x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 26.43x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.49x |
| EV / EBITDAEnterprise value multiple | — | 22.67x |
| Price / SalesMarket cap ÷ Revenue | 9.47x | 13.96x |
| Price / BookPrice ÷ Book value/share | — | 59.96x |
| Price / FCFMarket cap ÷ FCF | — | 26.68x |
Profitability & Efficiency
On the Piotroski fundamental quality scale (0–9), MA scores 9/9 vs PT's 4/9, reflecting strong financial health.
| Metric | PTPintec Technology… | MAMastercard Incorp… |
|---|---|---|
| ROE (TTM)Return on equity | — | +193.0% |
| ROA (TTM)Return on assets | -12.4% | +27.6% |
| ROICReturn on invested capital | — | +56.5% |
| ROCEReturn on capital employed | — | +64.4% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 9 |
| Debt / EquityFinancial leverage | — | 2.45x |
| Net DebtTotal debt minus cash | -$22M | $7.9B |
| Cash & Equiv.Liquid assets | $27M | $11.1B |
| Total DebtShort + long-term debt | $5M | $19.0B |
| Interest CoverageEBIT ÷ Interest expense | -613.85x | 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 $1,269 for PT. Over the past 12 months, PT leads with a -5.7% total return vs MA's -9.7%. The 3-year compound annual growth rate (CAGR) favors PT at 22.3% vs MA's 13.9% — a key indicator of consistent wealth creation.
| Metric | PTPintec Technology… | MAMastercard Incorp… |
|---|---|---|
| YTD ReturnYear-to-date | +1.3% | -8.0% |
| 1-Year ReturnPast 12 months | -5.7% | -9.7% |
| 3-Year ReturnCumulative with dividends | +83.1% | +47.9% |
| 5-Year ReturnCumulative with dividends | -87.3% | +45.9% |
| 10-Year ReturnCumulative with dividends | -98.5% | +515.7% |
| CAGR (3Y)Annualised 3-year return | +22.3% | +13.9% |
Risk & Volatility
PT is the less volatile stock with a 0.53 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. MA currently trades 85.9% from its 52-week high vs PT's 69.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PTPintec Technology… | MAMastercard Incorp… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.53x | 0.78x |
| 52-Week HighHighest price in past year | $1.38 | $601.77 |
| 52-Week LowLowest price in past year | $0.82 | $465.59 |
| % of 52W HighCurrent price vs 52-week peak | +69.0% | +85.9% |
| RSI (14)Momentum oscillator 0–100 | 51.2 | 42.8 |
| Avg Volume (50D)Average daily shares traded | 62K | 3.2M |
Analyst Outlook
MA is the only dividend payer here at 0.59% yield — a key consideration for income-focused portfolios.
| Metric | PTPintec Technology… | MAMastercard Incorp… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $667.00 |
| # AnalystsCovering analysts | — | 63 |
| Dividend YieldAnnual dividend ÷ price | — | +0.6% |
| Dividend StreakConsecutive years of raises | — | 14 |
| Dividend / ShareAnnual DPS | — | $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 | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Pintec Technology H… (PT) | 100 | 8.17 | -91.8% |
| Mastercard Incorpor… (MA) | 100 | 181.06 | +81.1% |
Mastercard Incorpor… (MA) returned +46% over 5 years vs Pintec Technology H… (PT)'s -87%. 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 |
|---|---|---|---|
| Pintec Technology H… (PT) | $55M | $35M | -36.0% |
| 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 |
|---|---|---|---|
| Pintec Technology H… (PT) | -3.7% | -44.0% | -1103.6% |
| 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 |
|---|---|---|---|
| Mastercard Incorpor… (MA) | 41.5 | 34.6 | -16.6% |
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 |
|---|---|---|---|
| Pintec Technology H… (PT) | -4,286.45 | -34.3 | +99.2% |
| 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
Pintec Technology Holdings Limited generated $-15M FCF in 2024 (+54% vs 2021). Mastercard Incorporated generated $17B FCF in 2025 (+98% vs 2021).
PT vs MA: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is PT or MA a better buy right now?
Mastercard Incorporated (MA) offers the better valuation at 31.3x trailing P/E (26.4x forward), 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 is the better long-term investment — PT or MA?
Over the past 5 years, Mastercard Incorporated (MA) delivered a total return of +45.9%, compared to -87.3% for Pintec Technology Holdings Limited (PT). 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 PT's -98.5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — PT or MA?
By beta (market sensitivity over 5 years), Pintec Technology Holdings Limited (PT) is the lower-risk stock at 0.53β versus Mastercard Incorporated's 0.78β — meaning MA is approximately 46% more volatile than PT relative to the S&P 500.
04Which has better profit margins — PT or MA?
Mastercard Incorporated (MA) is the more profitable company, earning 45.6% net margin versus -44.0% for Pintec Technology Holdings Limited — meaning it keeps 45.6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MA leads at 59.2% versus -40.1% for PT. 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.
05Which pays a better dividend — PT or MA?
In this comparison, MA (0.6% yield) pays a dividend. PT does not pay a meaningful dividend and should not be held primarily for income.
06Is PT or MA better for a retirement portfolio?
For long-horizon retirement investors, Mastercard Incorporated (MA) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.78), 0.6% yield, +515.7% 10Y return). Both have compounded well over 10 years (MA: +515.7%, PT: -98.5%), 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.
07What are the main differences between PT 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. MA pays a dividend while PT does not, making them suitable for different income and tax situations. 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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