Is MA a Buy? MA Stock Analysis & Fair Value (2026)
Our model currently rates MA as a Sell.
Get the latest investment score, DCF valuation, and buy/sell/hold insights for MA (MA).
Stock Analysis & Score Explanation
- ✓Fundament Score Analysis
- ✓Fair Value Analysis
- ✓Industry Trend
Fair Value Analysis
Weighted Fair Value
$261.62
Based on Multiple Valuation Methods (Weighted Average)
Current Price
$546.62
Individual Valuation Methods:
DCF Model Assumptions:
Stock Analysis & Score Explanation
This stock receives a score of 56.12/100 with a Sell recommendation. Financial health scored 38.09/55, competitive position 6.75/25, macro risk assessment 8.34/10, and risk-adjusted returns 2.94/10. The analysis considers current market conditions and fundamental metrics. This score reflects the financial health, growth potential, and overall valuation of the stock, helping investors determine whether it may be overvalued or undervalued. Learn more about the AInvestor Score and how it is calculated. See how we convert scores and fair-value signals into actionable labels in the AInvestor Recommendation glossary entry.
Overvalued by 52.14%. Our detailed stock valuation analysis indicates that overvalued at current market prices by 52.14%. The weighted fair value of $261.62 is calculated using multiple proven valuation methods, including Discounted Cash Flow (DCF), Peter Lynch Fair Value, Trading Multiples P/E, and Earnings Power Value (EPV). This comprehensive stock analysis is designed to guide informed investment decisions.
Industry Context: Financials
2026 Trend: 📉 Negative Outlook
Negative outlook reflects credit cycle inflection risk with consumer debt at historical highs, ongoing deposit competition, and private credit/shadow banking systemic risks. While near-term NIM benefits exist, structural headwinds and regulatory pressures dominate.
Bubble Watch: Private Credit/Shadow Banking
Explosive growth in private credit and alternative lending outside traditional banking oversight. If defaults spike or liquidity evaporates, systemic stress could occur given scale of positions.
Key 2026 Outlook Points
- →AI-powered underwriting transforms credit decisioning and risk assessment
- →Consolidation among regional banks accelerates
- →Blockchain settlement gains traction in institutional markets
- →Regulatory focus tightens on private credit disclosure and leverage
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