Which is better, BY or MA?

On the Buffett-Fit framework, Mastercard Incorporated (MA) currently grades higher than BY — 84/100 (A grade) vs 55/100 (D). That said, "better" depends on which framework you trust — BY wins on none; MA wins on Warren Buffett, Benjamin Graham, Philip Fisher, Peter Lynch, Joel Greenblatt, Charlie Munger, and Terry Smith. The full pillar breakdown is on this page.

Should I buy BY or MA?

This page is an educational comparison, not investment advice. Both BY and MA are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is BY better than MA for value investing?

On the Buffett-style value-investing framework, MA currently grades higher — 84/100 vs 55/100, a 29-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between BY and MA on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). BY currently scores 55/100 (D grade); MA scores 84/100 (A grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, BY or MA?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. BY and MA are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, BY or MA?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are BY and MA both Financial Services stocks?

Yes — both Byline Bancorp, Inc. (BY) and Mastercard Incorporated (MA) operate in the Financial Services sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this BY vs MA comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Byline Bancorp

Mastercard

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

Byline Bancorp

Market cap

$1.51B

Sector

Financials

Mastercard

Market cap

$440.5B

Sector

Financials

Overall winner

Mastercard MA

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	BY	MA	Winner
Warren Buffett	55D	84A	MA
Benjamin Graham	30F	84A	MA
Philip Fisher

Side-by-side metrics

Metric	BY	MA
Market cap	$1.51B	$440.5B
P/E (TTM)	10.7x	28.3x
EV/EBIT	11.4x	23.1x
ROIC (TTM)	7.26%	51.85%
Gross margin	67.7%	82.96%
Net margin	21.98%	45.88%
Revenue CAGR 5y	18.79%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

BY leads on

Debt / Equity0.5xvs 2.8x+82%
P/E (TTM)10.7xvs 28.3x+62%
EV/EBIT11.4xvs 23.1x+50%
Dividend yield1.33%vs 0.66%

More like BY

BY vs MSCI BY vs V BY vs PLMR BY vs TW BY vs MKTX BY vs NMIH

More like MA

MA vs MSCI

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.