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Mastercard Incorporated (MA) vs Visa Inc. (V)

Mastercard Incorporated and Visa Inc. are both Credit Services companies. Visa Inc. is the larger, with a market value of $809.5B against $571.4B — 1.4× the size. Visa Inc. trades at the lower P/E: 32.7× against 34.2×. Mastercard Incorporated grew revenue faster over the last twelve months: 15.3% against 14.8%. Visa Inc. has the higher net margin (51.2% vs 46.7%) and the lower return on invested capital (40.4% vs 67.6%). Both pay a dividend; Visa Inc. yields more (0.63% vs 0.53%). Across the 20 metrics below, Visa Inc. leads on 11 and Mastercard Incorporated on 9.

Valuation

Metric MA V Credit Services median
P/E 34.24 32.72 8.96
P/S 15.81 16.55 1.00
P/B 85.13 21.33 1.23
Price to free cash flow 37.19 34.44 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.92% 3.06% 7.17%
Free cash flow yield 2.69% 2.90% 11.75%

Profitability

Metric MA V Credit Services median
Gross margin 100.00% 100.00% 76.61%
Operating margin 58.60% 61.24% 0.34%
Net margin 46.73% 51.20% 8.35%
Free cash flow margin 42.52% 48.05% 8.73%
Return on equity 231.37% 64.60% 9.05%
Return on assets 30.43% 24.23% 1.94%
Return on invested capital 67.64% 40.41% 4.56%

Growth

Metric MA V Credit Services median
Revenue growth (TTM) 15.30% 14.76% 4.49%
EPS growth (last fiscal year) 18.93% 14.07% 21.94%
Revenue growth, 5-year CAGR 16.47% 13.75% 9.22%
Net income growth, 5-year CAGR 18.48% 13.81% 0.00%

Health

Metric MA V Credit Services median
Debt to equity 3.55 0.61 0.69
Current ratio 1.01 0.97 1.26
Net debt to EBITDA 0.34 0.25 0.11

Dividend

Metric MA V Credit Services median
Dividend yield 0.53% 0.63% 1.64%
Payout ratio 0.18 0.22 0.21

Size

Metric MA V Credit Services median
Market cap 571.42b 809.54b 759.73m

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