DUOL vs. MA: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at DUOL and MA, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | DUOL | MA |
|---|---|---|
| Company Name | Duolingo, Inc. | Mastercard Incorporated |
| Country | United States | United States |
| GICS Sector | Consumer Discretionary | Financials |
| GICS Industry | Diversified Consumer Services | Financial Services |
| Market Capitalization | 15.53 billion USD | 535.79 billion USD |
| Exchange | NasdaqGS | NYSE |
| Listing Date | July 28, 2021 | May 25, 2006 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of DUOL and MA by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | DUOL | MA |
|---|---|---|
| 5-Day Price Return | 2.73% | 1.53% |
| 13-Week Price Return | -34.86% | 1.07% |
| 26-Week Price Return | -21.25% | 4.66% |
| 52-Week Price Return | 63.57% | 26.92% |
| Month-to-Date Return | -2.21% | 4.63% |
| Year-to-Date Return | 4.52% | 12.55% |
| 10-Day Avg. Volume | 2.91M | 2.49M |
| 3-Month Avg. Volume | 1.17M | 2.71M |
| 3-Month Volatility | 57.15% | 21.60% |
| Beta | 0.84 | 0.99 |
Profitability
Return on Equity (TTM)
DUOL
13.32%
Diversified Consumer Services Industry
- Max
- 32.65%
- Q3
- 29.77%
- Median
- 16.63%
- Q1
- 11.08%
- Min
- 2.26%
DUOL’s Return on Equity of 13.32% is on par with the norm for the Diversified Consumer Services industry, indicating its profitability relative to shareholder equity is typical for the sector.
MA
191.02%
Financial Services Industry
- Max
- 40.58%
- Q3
- 20.06%
- Median
- 10.67%
- Q1
- 4.19%
- Min
- -10.31%
MA’s Return on Equity of 191.02% is exceptionally high, placing it well beyond the typical range for the Financial Services industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
Net Profit Margin (TTM)
DUOL
13.24%
Diversified Consumer Services Industry
- Max
- 18.84%
- Q3
- 13.34%
- Median
- 12.22%
- Q1
- 7.92%
- Min
- 3.76%
DUOL’s Net Profit Margin of 13.24% is aligned with the median group of its peers in the Diversified Consumer Services industry. This indicates its ability to convert revenue into profit is typical for the sector.
MA
44.93%
Financial Services Industry
- Max
- 52.86%
- Q3
- 25.58%
- Median
- 12.23%
- Q1
- 6.64%
- Min
- -9.92%
A Net Profit Margin of 44.93% places MA in the upper quartile for the Financial Services industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin (TTM)
DUOL
9.54%
Diversified Consumer Services Industry
- Max
- 26.63%
- Q3
- 19.23%
- Median
- 15.23%
- Q1
- 8.71%
- Min
- -0.71%
DUOL’s Operating Profit Margin of 9.54% is around the midpoint for the Diversified Consumer Services industry, indicating that its efficiency in managing core business operations is typical for the sector.
MA
55.78%
Financial Services Industry
- Max
- 77.28%
- Q3
- 37.68%
- Median
- 18.17%
- Q1
- 9.27%
- Min
- -8.19%
An Operating Profit Margin of 55.78% places MA in the upper quartile for the Financial Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | DUOL | MA |
|---|---|---|
| Return on Equity (TTM) | 13.32% | 191.02% |
| Return on Assets (TTM) | 8.57% | 27.84% |
| Net Profit Margin (TTM) | 13.24% | 44.93% |
| Operating Profit Margin (TTM) | 9.54% | 55.78% |
| Gross Profit Margin (TTM) | 72.05% | -- |
Financial Strength
Current Ratio (MRQ)
DUOL
2.81
Diversified Consumer Services Industry
- Max
- 3.40
- Q3
- 1.97
- Median
- 1.66
- Q1
- 0.60
- Min
- 0.15
DUOL’s Current Ratio of 2.81 is in the upper quartile for the Diversified Consumer Services industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.
MA
1.16
Financial Services Industry
- Max
- 4.58
- Q3
- 2.59
- Median
- 1.33
- Q1
- 0.69
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
DUOL
0.00
Diversified Consumer Services Industry
- Max
- 2.92
- Q3
- 1.22
- Median
- 0.36
- Q1
- 0.01
- Min
- 0.00
Falling into the lower quartile for the Diversified Consumer Services industry, DUOL’s Debt-to-Equity Ratio of 0.00 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
MA
2.42
Financial Services Industry
- Max
- 4.96
- Q3
- 2.10
- Median
- 0.57
- Q1
- 0.12
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.
Interest Coverage Ratio (TTM)
DUOL
--
Diversified Consumer Services Industry
- Max
- 13.44
- Q3
- 10.58
- Median
- 5.57
- Q1
- 3.04
- Min
- -2.17
Interest Coverage Ratio data for DUOL is currently unavailable.
MA
37.93
Financial Services Industry
- Max
- 136.23
- Q3
- 56.08
- Median
- 6.55
- Q1
- 2.01
- Min
- -33.27
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.
Financial Strength at a Glance
| Symbol | DUOL | MA |
|---|---|---|
| Current Ratio (MRQ) | 2.81 | 1.16 |
| Quick Ratio (MRQ) | 2.77 | 1.16 |
| Debt-to-Equity Ratio (MRQ) | 0.00 | 2.42 |
| Interest Coverage Ratio (TTM) | -- | 37.93 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
DUOL
0.00%
Diversified Consumer Services Industry
- Max
- 2.29%
- Q3
- 0.98%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
DUOL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
MA
0.49%
Financial Services Industry
- Max
- 8.18%
- Q3
- 3.60%
- Median
- 1.56%
- Q1
- 0.00%
- Min
- 0.00%
MA’s Dividend Yield of 0.49% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
DUOL
0.00%
Diversified Consumer Services Industry
- Max
- 35.94%
- Q3
- 25.79%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
DUOL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
MA
19.15%
Financial Services Industry
- Max
- 155.56%
- Q3
- 63.71%
- Median
- 18.08%
- Q1
- 0.00%
- Min
- 0.00%
MA’s Dividend Payout Ratio of 19.15% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | DUOL | MA |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.49% |
| Dividend Payout Ratio (TTM) | 0.00% | 19.15% |
Valuation
Price-to-Earnings Ratio (TTM)
DUOL
132.51
Diversified Consumer Services Industry
- Max
- 33.95
- Q3
- 25.14
- Median
- 19.27
- Q1
- 15.30
- Min
- 5.58
At 132.51, DUOL’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Diversified Consumer Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
MA
39.22
Financial Services Industry
- Max
- 63.23
- Q3
- 32.10
- Median
- 14.41
- Q1
- 10.81
- Min
- 0.37
A P/E Ratio of 39.22 places MA in the upper quartile for the Financial Services industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
Price-to-Sales Ratio (TTM)
DUOL
17.54
Diversified Consumer Services Industry
- Max
- 3.29
- Q3
- 2.54
- Median
- 2.27
- Q1
- 1.92
- Min
- 1.28
With a P/S Ratio of 17.54, DUOL trades at a valuation that eclipses even the highest in the Diversified Consumer Services industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.
MA
17.62
Financial Services Industry
- Max
- 11.16
- Q3
- 5.45
- Median
- 2.61
- Q1
- 1.25
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
Price-to-Book Ratio (MRQ)
DUOL
19.08
Diversified Consumer Services Industry
- Max
- 7.00
- Q3
- 6.37
- Median
- 3.31
- Q1
- 2.13
- Min
- 0.98
At 19.08, DUOL’s P/B Ratio is at an extreme premium to the Diversified Consumer Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
MA
64.98
Financial Services Industry
- Max
- 7.09
- Q3
- 3.79
- Median
- 1.46
- Q1
- 0.83
- Min
- 0.04
At 64.98, MA’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | DUOL | MA |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 132.51 | 39.22 |
| Price-to-Sales Ratio (TTM) | 17.54 | 17.62 |
| Price-to-Book Ratio (MRQ) | 19.08 | 64.98 |
| Price-to-Free Cash Flow Ratio (TTM) | 48.30 | 33.58 |