AMZN vs. MA: Amazon.com vs. Mastercard Stock Comparison

November 11, 2026

How do Amazon.com (AMZN) and Mastercard (MA) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Amazon.com (AMZN) is classified in the Consumer Discretionary sector (Consumer Discretionary Distribution & Retail), whereas Mastercard (MA) belongs to Financials (Financial Services) — their GICS classifications point to very different parts of the market.

Company profile comparison for Amazon.com (AMZN) and Mastercard (MA)
Profile Item	AMZN	MA
Name	Amazon.com Inc.	Mastercard Inc. Class A Common Stock
Country/Region	United States	United States
GICS Sector	Consumer Discretionary	Financials
GICS Industry Group	Consumer Discretionary Distribution & Retail	Financial Services
GICS Industry	Broadline Retail	Financial Services
GICS Sub-Industry	Broadline Retail	Transaction & Payment Processing Services
Market Capitalization	2,803.85 billion USD	568.62 billion USD
Currency	USD	USD
Exchange	Nasdaq	NYSE
Listing Date	May 15, 1997	May 25, 2006
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

AMZN

GSPC

Amazon.com (AMZN) vs. Mastercard (MA), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Amazon.com (AMZN) and Mastercard (MA). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Amazon.com (AMZN) and Mastercard (MA). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Amazon.com (AMZN) and Mastercard (MA)
Metric	AMZN	MA
Total Return (1Y)	9.80%	20.00%
Total Return (3Y, Annualized)	24.05%	19.98%
Total Return (5Y, Annualized)	8.46%	14.49%

Risk Profile

Drawdown History

AMZN

GSPC

Amazon.com (AMZN) vs. Mastercard (MA), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Amazon.com (AMZN) and Mastercard (MA). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Amazon.com (AMZN) and Mastercard (MA)
Metric	AMZN	MA
Volatility (1Y, Annualized)	34.10%	23.57%
Beta (5Y)	1.45	0.76
Max Drawdown (5Y)	-55.73%	-28.25%
Avg. Volume (3M)	38.50M	2.98M

Risk-Adjusted Performance

Risk-Return Positioning

AMZN and MA are plotted by 1-year volatility (risk) and 1-year return. Each dashed Capital Allocation Line uses that stock's own industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Amazon.com (AMZN) and Mastercard (MA)
Metric	AMZN	MA
Sharpe Ratio (1Y)	0.16	0.67
Sortino Ratio (1Y)	0.26	1.00

Profitability

ROE (TTM)

Mastercard (MA) at 231.37% clears its industry range for ROE, a sharper capital-efficiency signal than Amazon.com (AMZN) at 27.42%, which is closer to a typical peer reading.

AMZN

Consumer Discretionary Distribution & Retail industry group

27.42%

Max: 62.17%
Q3: 29.44%
AMZN: 27.42%
Median: 15.69%
Q1: 6.73%
Min: -12.16%

MA

Financial Services industry group

231.37%

MA: 231.37%
Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
Min: -18.71%

Amazon.com (AMZN) vs. Mastercard (MA): A comparison of their ROE against their respective Consumer Discretionary Distribution & Retail and Financial Services industry group benchmarks.

Net Margin (TTM)

For every dollar of sales, both Amazon.com (AMZN) at 16.90% and Mastercard (MA) at 46.73% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

AMZN

Consumer Discretionary Distribution & Retail industry group

16.90%

Max: 16.94%
AMZN: 16.90%
Q3: 8.69%
Median: 3.55%
Q1: 1.14%
Min: -9.41%

MA

Financial Services industry group

46.73%

Max: 62.84%
MA: 46.73%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

Amazon.com (AMZN) vs. Mastercard (MA): A comparison of their net margin against their respective Consumer Discretionary Distribution & Retail and Financial Services industry group benchmarks.

Operating Margin (TTM)

Both Amazon.com (AMZN) at 13.90% and Mastercard (MA) at 60.53% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.

AMZN

Consumer Discretionary Distribution & Retail industry group

13.90%

Max: 21.45%
AMZN: 13.90%
Q3: 10.89%
Median: 5.57%
Q1: 2.28%
Min: -7.12%

MA

Financial Services industry group

60.53%

Max: 107.33%
MA: 60.53%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
Min: -44.34%

Amazon.com (AMZN) vs. Mastercard (MA): A comparison of their operating margin against their respective Consumer Discretionary Distribution & Retail and Financial Services industry group benchmarks.

Profitability Metrics

Profitability metrics for Amazon.com (AMZN) and Mastercard (MA)
Metric	AMZN	MA
ROE (TTM)	27.42%	231.37%
ROA (TTM)	6.62%	24.45%
Net Margin (TTM)	16.90%	46.73%
Operating Margin (TTM)	13.90%	60.53%
Gross Margin (TTM)	51.37%	--

Growth

Revenue Growth

Amazon.com (AMZN) at 12.38% sits in the top revenue growth quartile, while Mastercard (MA) at 16.42% is closer to the peer norm — faster top-line expansion for AMZN.

Amazon.com (AMZN) vs. Mastercard (MA): A comparison of their Revenue Growth across different time periods.

EPS Growth

Amazon.com (AMZN) at 29.66% sits in the top EPS growth quartile, while Mastercard (MA) at 18.93% is closer to the peer norm — faster per-share earnings growth for AMZN.

Amazon.com (AMZN) vs. Mastercard (MA): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Amazon.com (AMZN) and Mastercard (MA)
Metric	AMZN	MA
Revenue Growth (YoY)	12.38%	16.42%
Revenue Growth (3Y CAGR)	11.73%	13.82%
EPS Growth (YoY)	29.66%	18.93%
EPS Growth (3Y CAGR)	--	17.36%

Financial Strength

Current Ratio (MRQ)

Amazon.com (AMZN) shows current ratio of 0.99; Mastercard (MA) doesn’t get one — Financial Services balance sheets aren’t split into current and non-current buckets, so short-term liquidity there is judged through regulatory measures instead.

AMZN

Consumer Discretionary Distribution & Retail industry group

0.99

Max: 2.62
Q3: 1.75
Median: 1.35
Q1: 1.00
AMZN: 0.99
Min: 0.48

MA

Financial Services industry group

MA: --
Max: --
Q3: --
Median: --
Q1: --
Min: --

Amazon.com (AMZN) vs. Mastercard (MA): MA’s current ratio is not assessed under the Financial Services industry convention, so the chart shows available visual context for AMZN only.

Debt / Equity (MRQ)

Amazon.com (AMZN) shows debt-to-equity ratio of 0.50; for Mastercard (MA) the ratio is set aside — in Financial Services, balance-sheet leverage is part of the business model itself, so capital-adequacy measures do the job this ratio does elsewhere.

AMZN

Consumer Discretionary Distribution & Retail industry group

0.50

Max: 3.93
Q3: 2.14
Median: 1.25
Q1: 0.73
AMZN: 0.50
Min: 0.01

MA

Financial Services industry group

MA: --
Max: --
Q3: --
Median: --
Q1: --
Min: --

Amazon.com (AMZN) vs. Mastercard (MA): MA’s debt-to-equity ratio is not assessed under the Financial Services industry convention, so the chart shows available visual context for AMZN only.

Financial Strength Metrics

Financial strength metrics for Amazon.com (AMZN) and Mastercard (MA)
Metric	AMZN	MA
Current Ratio (MRQ)	0.99	--
Debt / Equity (MRQ)	0.50	--
Net Debt / EBITDA	1.04	--

Dividends

Dividend Yield (TTM)

Amazon.com (AMZN) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Mastercard (MA) reports a yield of 0.53%, ranking against industry peers normally.

AMZN

Consumer Discretionary Distribution & Retail industry group

0.00%

Max: 5.84%
Q3: 2.50%
AMZN: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

MA

Financial Services industry group

0.53%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
MA: 0.53%
Q1: 0.00%
Min: 0.00%

Amazon.com (AMZN) vs. Mastercard (MA): A comparison of their dividend yield against their respective Consumer Discretionary Distribution & Retail and Financial Services industry group benchmarks.

Dividend Payout Ratio (TTM)

Amazon.com (AMZN) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Mastercard (MA) reports a payout of 17.63%, ranking against industry peers normally.

AMZN

Consumer Discretionary Distribution & Retail industry group

0.00%

Max: 72.73%
Q3: 32.44%
AMZN: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

MA

Financial Services industry group

17.63%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
MA: 17.63%
Q1: 0.00%
Min: 0.00%

Amazon.com (AMZN) vs. Mastercard (MA): A comparison of their payout ratio against their respective Consumer Discretionary Distribution & Retail and Financial Services industry group benchmarks.

Dividend Metrics

Dividend metrics for Amazon.com (AMZN) and Mastercard (MA)
Metric	AMZN	MA
Dividend Yield (TTM)	0.00%	0.53%
Dividend Payout Ratio (TTM)	0.00%	17.63%

Valuation

P/E Ratio (TTM)

Amazon.com (AMZN) at 20.96 is near its industry’s usual P/E ratio, while Mastercard (MA) at 34.15 sits in the richer quartile — MA needs stronger growth or earnings quality to justify the premium.

AMZN

Consumer Discretionary Distribution & Retail industry group

20.96

Max: 40.50
Q3: 24.26
AMZN: 20.96
Median: 19.23
Q1: 12.64
Min: 4.67

MA

Financial Services industry group

34.15

Max: 45.85
MA: 34.15
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

Amazon.com (AMZN) vs. Mastercard (MA): A comparison of their P/E ratio against their respective Consumer Discretionary Distribution & Retail and Financial Services industry group benchmarks.

P/S Ratio (TTM)

Both look expensive on sales: Amazon.com (AMZN) at 3.52 sits in the upper P/S ratio quartile, and Mastercard (MA) at 15.67 prices even higher, above its industry range.

AMZN

Consumer Discretionary Distribution & Retail industry group

3.52

Max: 4.32
AMZN: 3.52
Q3: 1.99
Median: 0.70
Q1: 0.26
Min: 0.03

MA

Financial Services industry group

15.67

MA: 15.67
Max: 9.23
Q3: 4.57
Median: 2.72
Q1: 1.28
Min: -0.55

Amazon.com (AMZN) vs. Mastercard (MA): A comparison of their P/S ratio against their respective Consumer Discretionary Distribution & Retail and Financial Services industry group benchmarks.

P/B Ratio (MRQ)

Amazon.com (AMZN) at 4.57 sits near its industry’s typical P/B ratio, while Mastercard (MA) at 84.30 prices above its benchmark range — MA looks rich relative to book.

AMZN

Consumer Discretionary Distribution & Retail industry group

4.57

Max: 10.96
Q3: 5.26
AMZN: 4.57
Median: 2.16
Q1: 1.08
Min: -4.45

MA

Financial Services industry group

84.30

MA: 84.30
Max: 7.79
Q3: 3.63
Median: 1.57
Q1: 0.81
Min: -0.39

Amazon.com (AMZN) vs. Mastercard (MA): A comparison of their P/B ratio against their respective Consumer Discretionary Distribution & Retail and Financial Services industry group benchmarks.

Valuation Metrics

Valuation metrics for Amazon.com (AMZN) and Mastercard (MA)
Metric	AMZN	MA
P/E Ratio (TTM)	20.96	34.15
P/S Ratio (TTM)	3.52	15.67
P/B Ratio (MRQ)	4.57	84.30
Free Cash Flow Yield (TTM)	-1.24%	--