Mastercard vs Visa MA vs V
Mastercard and Visa on one sheet: valuation multiples, growth, margins, debt, dividends and returns, each section labelled with the period it covers, from the companies' filings. Add or remove a stock above the sheet; the link holds the set.
What differs most
- Market value: Visa $751.69B, Mastercard $540.87B.
- One-year price return: Visa +20.0%, Mastercard +12.3%.
Price return
2025-10-16 → 2026-10-16
MA+12.3%
V+20.0%
Profile
latestSector
Financial Services
Financial Services
Industry
Financial - Credit Services
Financial - Credit Services
Market value
$540.87B
$751.69B
Enterprise value
$554.22B
$763.26B
Employees
39,800
34,100
Revenue per employee (TTM)
$881K
$1.3M
Our models
nightlythe valuation on each stock's pagePrice vs model
15% overvalued vs model
40% overvalued vs model
Model range
$340–1345
$184–705
Models in the headline
1
1
FCF growth priced in, at a 10% return
18.2%
20.0%
Every model, its assumptions and its range: MA valuation · V valuation. The growth priced in, at any return: MA reverse DCF · V reverse DCF.
Trading
close 2026-10-16Last close
$617.42
$402.61
52-week high
$617.42
$402.61
52-week low
$471.55
$295.52
Price vs 52-week high
0.0%
0.0%
Price vs 52-week low
+30.9%
+36.2%
Average daily volume / shares
0.3%
0.4%
Beta
0.76
0.77
Returns
to 2026-10-161 month
+8.7%
+8.5%
3 months
+11.9%
+10.3%
6 months
+19.1%
+27.8%
Year to date
+8.2%
+14.8%
1 year
+12.3%
+20.0%
1 year, dividends added
+12.9%
+20.8%
2 years
+20.1%
+40.0%
Valuation
MA price × TTM to Jun 2026 · V price × TTM to Mar 2026P/E (TTM)
34.0×
—
P/E on consensus EPS (next FY)
30.9×
30.4×
Price / sales
15.4×
17.5×
EV / sales
15.8×
17.7×
EV / EBITDA
25.6×
27.7×
Price / book
96.4×
—
Price / free cash flow (FY)
31.5×
34.8×
Free-cash-flow yield (FY)
3.2%
2.9%
Growth
TTM and FY2025Revenue growth (TTM)
—
—
Revenue growth, consensus next FY
+13.7%
+14.7%
Revenue, 3-year CAGR
13.8%
10.9%
Revenue, 5-year CAGR
6.8%
12.9%
EPS growth (TTM)
—
—
EPS growth, consensus next FY
+20.8%
—
EPS, 3-year CAGR
17.4%
—
Free cash flow, 3-year CAGR
16.9%
6.5%
Diluted shares, 3-year change
−6.7%
—
Profitability
MA TTM to Jun 2026 · V TTM to Mar 2026Gross margin (FY)†
100.0%
80.4%
Operating margin
58.3%
61.1%
EBITDA margin
61.7%
64.1%
Net margin
46.3%
51.7%
Free-cash-flow margin (FY)
52.3%
53.9%
Return on equity
289.7%
—
Return on assets
28.2%
23.4%
Asset turnover
0.61
0.45
† Gross margin (FY): As filed. Companies draw the cost-of-revenue line in different places, so gross margins of two companies in one industry can differ for that reason alone; operating margin does not depend on where the line is drawn.
Balance sheet
MA MRQ Jun 2026 · V MRQ Mar 2026Cash
$11.29B
$12.40B
Total debt
$24.64B
$23.98B
Net debt
$13.35B
$11.57B
Debt / equity
4.4×
—
Net debt / EBITDA (TTM)
0.6×
0.4×
Interest coverage (FY)
27.0×
40.7×
Current ratio (FY)
1.03
1.08
Dividends
trailing 12 monthsDividend yield
0.6%
0.7%
Dividends per share
$3.48
$2.68
Payout ratio (of TTM EPS)
19.1%
—
Dividend per share, 5-year CAGR
14.6%
15.9%
Frequency
Quarterly
Quarterly
Ownership and activity
last 90 days · latest 13FTracked superinvestors holding (13F)
22
32
Insider open-market buys (Form 4)
$0
$0
Insider sales (Form 4)
$19.9M
$35.5M
Analyst upgrades
0
0
Analyst downgrades
0
0
Statements
MA income TTM to Jun 2026 · cash flow FY2025 · V income TTM to Mar 2026 · cash flow FY2025Revenue
$35.08B
$43.03B
EBITDA
$21.66B
$27.59B
Operating income
$20.46B
$26.30B
Net income
$16.26B
$22.24B
EPS (diluted)
$18.18
—
Operating cash flow
$17.65B
$23.06B
Capital expenditure
−$489.0M
−$1.48B
Free cash flow
$17.16B
$21.58B
Dividends paid
$2.76B
$4.63B
Statements from the companies' SEC filings; prices, dividends and consensus estimates from Financial Modeling Prep; insider trades from Form 4 and holdings from 13F. Refreshed nightly. A comparison of filed numbers, not a recommendation to buy, sell or hold any security.