StockDecksVisa vs Mastercard
Visa Inc. (V) and Mastercard Incorporated (MA) · Financial Services
As of 24 October 2026, Visa has a StockDecks Fundamental Score of +22 (grade B) and Mastercard +26 (grade B+), on a −100 to +100 scale. Visa rates higher on Financial Health; Mastercard rates higher on Profitability, Growth and Valuation.
| Rating | V | MA |
|---|---|---|
| Fundamental Score | +22Grade B | +26Grade B+ |
| Financial Health | +43 | +24 |
| Profitability | +75 | +81 |
| Growth | +37 | +64 |
| Valuation | -68 | -65 |
Both companies are measured against the same Financial Services benchmarks, so their scores compare directly. Scores describe each company as it stands; they are not forecasts or recommendations.
The measures side by side
Each figure is the latest reported value; the number beneath is how it scores on the −100 to +100 scale. A dash means no genuine figure is available. Tap a measure’s name for a plain-English explanation.
Financial Health
| Measure | V | MA |
|---|---|---|
| Debt to equity | 0.68×+84 | 4.4×-25 |
| Current ratio | 0.99×-3 | 1.06×+5 |
| Quick ratio | 0.63×-31 | 0.67×-24 |
| FCF / Total debt | 0.86×+95 | 0.69×+93 |
Profitability
| Measure | V | MA |
|---|---|---|
| Gross margin | 97.7%+99 | 100%+99 |
| Operating margin | 66.1%+99 | 61.1%+99 |
| Net margin | 50.8%+96 | 46.3%+95 |
| Return on equity | 61.2%+100 | 241.2%+100 |
| Gross profit / assets | 32.3%+25 | 47.2%+53 |
| Asset turnover | 0.4× | 0.61× |
Growth
| Measure | V | MA |
|---|---|---|
| Revenue growth (YoY) | 14.4%+85 | 14.1%+82 |
| Earnings growth (YoY) | 10.2%+19 | 22.1%+62 |
| Earnings growth (Q) | 6.8%+6 | 18.6%+49 |
Valuation
| Measure | V | MA |
|---|---|---|
| P/E (trailing) | 34.72×-95 | 33.73×-94 |
| Forward P/E | 27.15×-93 | 27.03×-93 |
| PEG ratio | 1.88×-23 | 1.65×-9 |
| Price/Book | 21.62×-98 | 97.5×-100 |
| Price/Sales | 17.21×-91 | 15.57×-90 |
| EV/EBITDA | 24.45×-43 | 25.19×-46 |
| FCF yield | 2.7%-30 | 3.1%-20 |
Key figures
| V | MA | |
|---|---|---|
| Industry | Credit Services | Credit Services |
| Market cap | $765.8B | $546.3B |
| Dividend yield | 0.66% | 0.56% |
| Payout ratio | 22.13% | 17.93% |
| Beta | 0.77 | 0.76 |
About the companies
Visa. Visa Inc. operates as a payment technology company in the United States and internationally. Full Visa rating
Mastercard. Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. Full Mastercard rating
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These figures were captured on 24 October 2026. StockDecks shows the current numbers, plus Hype, Analyst Upside, Trend Signals and Insider Track, all free.