Comprehensive Stock Comparison
Compare Brookfield Finance Inc. 4.625% (BNH) 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 BNH's -10.3% |
| Value | MA | Lower P/E (26.4x vs 76.7x) |
| Quality / Margins | MA | 45.6% net margin vs BNH's 0.7% |
| Stability / Safety | BNH | Beta 0.20 vs MA's 0.78, lower leverage |
| Dividends | BNH | 1.3% yield, 1-year raise streak, vs MA's 0.6% |
| Momentum (1Y) | BNH | -0.1% vs MA's -9.7% |
| Efficiency (ROA) | MA | 27.6% ROA vs BNH's 0.2%, ROIC 56.5% vs 3.4% |
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
Brookfield Finance is a special purpose financing vehicle that issues debt securities to raise capital for its parent company's global investment operations. It generates revenue primarily through interest income from its debt portfolio — essentially borrowing money at one rate and lending it to Brookfield entities at a higher rate. Its key advantage is the backing and credit support from Brookfield Asset Management, which provides investor confidence through the parent company's strong balance sheet and diversified global asset base.
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
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
MA leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). BNH leads in 1 (Risk & Volatility). 2 tied.
Financial Metrics (TTM)
BNH is the larger business by revenue, generating $86.0B annually — 2.6x MA's $32.8B. MA is the more profitable business, keeping 45.6% of every revenue dollar as net income compared to BNH's 0.7%.
| Metric | BNHBrookfield Financ… | MAMastercard Incorp… |
|---|---|---|
| RevenueTrailing 12 months | $86.0B | $32.8B |
| EBITDAEarnings before interest/tax | $28.0B | $20.5B |
| Net IncomeAfter-tax profit | $996M | $15.0B |
| Free Cash FlowCash after capex | -$2.8B | $17.1B |
| Gross MarginGross profit ÷ Revenue | +21.0% | +83.4% |
| Operating MarginEBIT ÷ Revenue | +20.9% | +59.2% |
| Net MarginNet income ÷ Revenue | +0.7% | +45.6% |
| FCF MarginFCF ÷ Revenue | -4.0% | +52.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | +24.2% |
Valuation Metrics
At 31.3x trailing earnings, MA trades at a 59% valuation discount to BNH's 76.7x P/E.
| Metric | BNHBrookfield Financ… | MAMastercard Incorp… |
|---|---|---|
| Market CapShares × price | — | $457.8B |
| Enterprise ValueMkt cap + debt − cash | — | $465.7B |
| Trailing P/EPrice ÷ TTM EPS | 76.73x | 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 | — | 13.96x |
| Price / BookPrice ÷ Book value/share | 0.23x | 59.96x |
| Price / FCFMarket cap ÷ FCF | — | 26.68x |
Profitability & Efficiency
MA delivers a 193.0% return on equity — every $100 of shareholder capital generates $193 in annual profit, vs $1 for BNH. BNH carries lower financial leverage with a 1.42x debt-to-equity ratio, signaling a more conservative balance sheet compared to MA's 2.45x. On the Piotroski fundamental quality scale (0–9), MA scores 9/9 vs BNH's 6/9, reflecting strong financial health.
| Metric | BNHBrookfield Financ… | MAMastercard Incorp… |
|---|---|---|
| ROE (TTM)Return on equity | +0.6% | +193.0% |
| ROA (TTM)Return on assets | +0.2% | +27.6% |
| ROICReturn on invested capital | +3.4% | +56.5% |
| ROCEReturn on capital employed | +4.5% | +64.4% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 9 |
| Debt / EquityFinancial leverage | 1.42x | 2.45x |
| Net DebtTotal debt minus cash | $219.7B | $7.9B |
| Cash & Equiv.Liquid assets | $15.1B | $11.1B |
| Total DebtShort + long-term debt | $234.8B | $19.0B |
| Interest CoverageEBIT ÷ Interest expense | 1.17x | 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 $9,352 for BNH. Over the past 12 months, BNH leads with a -0.1% total return vs MA's -9.7%. The 3-year compound annual growth rate (CAGR) favors MA at 13.9% vs BNH's 3.7% — a key indicator of consistent wealth creation.
| Metric | BNHBrookfield Financ… | MAMastercard Incorp… |
|---|---|---|
| YTD ReturnYear-to-date | -0.4% | -8.0% |
| 1-Year ReturnPast 12 months | -0.1% | -9.7% |
| 3-Year ReturnCumulative with dividends | +11.5% | +47.9% |
| 5-Year ReturnCumulative with dividends | -6.5% | +45.9% |
| 10-Year ReturnCumulative with dividends | -12.8% | +515.7% |
| CAGR (3Y)Annualised 3-year return | +3.7% | +13.9% |
Risk & Volatility
BNH is the less volatile stock with a 0.20 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. BNH currently trades 92.6% from its 52-week high vs MA's 85.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BNHBrookfield Financ… | MAMastercard Incorp… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.20x | 0.78x |
| 52-Week HighHighest price in past year | $17.12 | $601.77 |
| 52-Week LowLowest price in past year | $14.50 | $465.59 |
| % of 52W HighCurrent price vs 52-week peak | +92.6% | +85.9% |
| RSI (14)Momentum oscillator 0–100 | 50.3 | 42.8 |
| Avg Volume (50D)Average daily shares traded | 25K | 3.2M |
Analyst Outlook
For income investors, BNH offers the higher dividend yield at 1.31% vs MA's 0.59%.
| Metric | BNHBrookfield Financ… | MAMastercard Incorp… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $667.00 |
| # AnalystsCovering analysts | — | 63 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | +0.6% |
| Dividend StreakConsecutive years of raises | 1 | 14 |
| Dividend / ShareAnnual DPS | $0.21 | $3.07 |
| Buyback YieldShare repurchases ÷ mkt cap | — | +2.6% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Oct 20 | Feb 26 | Change |
|---|---|---|---|
| Brookfield Finance … (BNH) | 100 | 63.74 | -36.3% |
| Mastercard Incorpor… (MA) | 100 | 191.53 | +91.5% |
Mastercard Incorpor… (MA) returned +46% over 5 years vs Brookfield Finance … (BNH)'s -6%. 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 |
|---|---|---|---|
| Brookfield Finance … (BNH) | $24.4B | $86.0B | +252.3% |
| 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 |
|---|---|---|---|
| Brookfield Finance … (BNH) | 6.8% | 0.7% | -89.0% |
| 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 |
|---|---|---|---|
| Brookfield Finance … (BNH) | 15.8 | 80.9 | +412.0% |
| Mastercard Incorpor… (MA) | 41.5 | 34.6 | -16.6% |
Brookfield Finance Inc. 4.625% has traded in a 16x–81x P/E range over 4 years; current trailing P/E is ~77x. 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 |
|---|---|---|---|
| Brookfield Finance … (BNH) | 0.69 | 0.21 | -69.9% |
| 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
Brookfield Finance Inc. 4.625% generated $-3B FCF in 2024 (-448% vs 2021). Mastercard Incorporated generated $17B FCF in 2025 (+98% vs 2021).
BNH vs MA: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is BNH 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 has the better valuation — BNH or MA?
On trailing P/E, Mastercard Incorporated (MA) is the cheapest at 31.3x versus Brookfield Finance Inc. 4.625% at 76.7x.
03Which is the better long-term investment — BNH or MA?
Over the past 5 years, Mastercard Incorporated (MA) delivered a total return of +45.9%, compared to -6.5% for Brookfield Finance Inc. 4.625% (BNH). 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 BNH's -12.8%. 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 — BNH or MA?
By beta (market sensitivity over 5 years), Brookfield Finance Inc. 4.625% (BNH) is the lower-risk stock at 0.20β versus Mastercard Incorporated's 0.78β — meaning MA is approximately 287% more volatile than BNH relative to the S&P 500. On balance sheet safety, Brookfield Finance Inc. 4.625% (BNH) carries a lower debt/equity ratio of 142% versus 2% for Mastercard Incorporated — giving it more financial flexibility in a downturn.
05Which has better profit margins — BNH or MA?
Mastercard Incorporated (MA) is the more profitable company, earning 45.6% net margin versus 0.7% for Brookfield Finance Inc. 4.625% — 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 20.9% for BNH. 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 — BNH or MA?
All stocks in this comparison pay dividends. Brookfield Finance Inc. 4.625% (BNH) offers the highest yield at 1.3%, versus 0.6% for Mastercard Incorporated (MA).
07Is BNH or MA better for a retirement portfolio?
For long-horizon retirement investors, Brookfield Finance Inc. 4.625% (BNH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.20), 1.3% yield). Both have compounded well over 10 years (BNH: -12.8%, 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 BNH 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. 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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