The analysis focuses on Visa (V) and Mastercard (MA) amidst discussions of potential credit card interest rate caps. Both stocks experienced a near-term sell-off, with Visa down 4.78% and Mastercard down 4.93%. This is attributed to the proposed one-year, 10% cap on credit card interest rates, which could impact their business models by reducing revenue from interest income. However, the video highlights that these companies primarily earn revenue from transaction fees and service fees, not directly from interest charged to consumers. Visa's 10-year CAGR for FCF per share is 19.39%, and its payout ratio is relatively stable. Mastercard's 10-year CAGR for FCF per share is 23.33%, with a payout ratio of 19.02%. Both companies have demonstrated consistent growth in earnings and revenue. Despite the short-term dip, their diversified revenue streams and strong financial performance suggest resilience. The analysis suggests that the current sell-off might present a buying opportunity, particularly given the companies' long-term growth potential and historically high margins.