GS vs. MA: Goldman Sachs vs. Mastercard Stock Comparison
How do Goldman Sachs (GS) 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
Goldman Sachs (GS) and Mastercard (MA) both fall under the Financial Services industry group, but GS is classified in Capital Markets while MA is classified in Financial Services.
| Profile Item | GS | MA |
|---|---|---|
| Name | The Goldman Sachs Group, Inc. | Mastercard Incorporated |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Financial Services |
| GICS Sub-Industry | Investment Banking & Brokerage | Transaction & Payment Processing Services |
| Market Capitalization | 298.36 billion USD | 453.81 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | May 4, 1999 | May 25, 2006 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Performance Metrics
| Metric | GS | MA |
|---|---|---|
| Total Return (1Y) | 45.78% | -8.06% |
Risk Profile
Drawdown History
Risk Metrics
| Metric | GS | MA |
|---|---|---|
| Volatility (1Y, Annualized) | 28.65% | 21.26% |
| Beta (5Y) | 1.30 | 0.73 |
| Avg. Volume (3M) | 2.17M | 3.81M |
Risk-Adjusted Performance
Risk-Return Positioning
Profitability
ROE (TTM)
Mastercard (MA) at 232.08% clears its industry range for ROE, a sharper capital-efficiency signal than Goldman Sachs (GS) at 14.55%, which is closer to a typical peer reading.
GS
Financial Services industry group
14.55%
- Max
- 42.17%
- Q3
- 21.42%
- GS
- 14.55%
- Median
- 12.17%
- Q1
- 5.00%
- Min
- -17.69%
MA
Financial Services industry group
232.08%
- MA
- 232.08%
- Max
- 42.17%
- Q3
- 21.42%
- Median
- 12.17%
- Q1
- 5.00%
- Min
- -17.69%
Net Margin (TTM)
Mastercard (MA) at 45.88% retains a top-quartile share of revenue as profit, ahead of Goldman Sachs (GS) at 29.36%, which keeps about the industry-typical share.
GS
Financial Services industry group
29.36%
- Max
- 66.55%
- Q3
- 30.43%
- GS
- 29.36%
- Median
- 16.62%
- Q1
- 4.47%
- Min
- -26.88%
MA
Financial Services industry group
45.88%
- Max
- 66.55%
- MA
- 45.88%
- Q3
- 30.43%
- Median
- 16.62%
- Q1
- 4.47%
- Min
- -26.88%
Operating Margin (TTM)
Mastercard (MA) at 60.84% operates in the top operating margin quartile, ahead of Goldman Sachs (GS) at 38.60%, which runs around its industry’s norm.
GS
Financial Services industry group
38.60%
- Max
- 95.95%
- Q3
- 50.35%
- GS
- 38.60%
- Median
- 26.49%
- Q1
- 11.62%
- Min
- -36.26%
MA
Financial Services industry group
60.84%
- Max
- 95.95%
- MA
- 60.84%
- Q3
- 50.35%
- Median
- 26.49%
- Q1
- 11.62%
- Min
- -36.26%
Profitability Metrics
| Metric | GS | MA |
|---|---|---|
| ROE (TTM) | 14.55% | 232.08% |
| ROA (TTM) | 0.94% | 25.03% |
| Net Margin (TTM) | 29.36% | 45.88% |
| Operating Margin (TTM) | 38.60% | 60.84% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth Metrics
| Metric | GS | MA |
|---|---|---|
| Revenue Growth (YoY) | 8.92% | 16.42% |
| Revenue Growth (3Y CAGR) | 7.16% | 13.82% |
EPS Growth
EPS Growth Metrics
| Metric | GS | MA |
|---|---|---|
| EPS Growth (YoY) | 26.59% | 18.93% |
| EPS Growth (3Y CAGR) | 19.52% | 17.36% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Goldman Sachs (GS) in Financial Services and Mastercard (MA) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Goldman Sachs (GS) in Financial Services and Mastercard (MA) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | GS | MA |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Goldman Sachs (GS) at 1.52% and Mastercard (MA) at 0.64% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
GS
Financial Services industry group
1.52%
- Max
- 20.96%
- Q3
- 8.69%
- Median
- 1.54%
- GS
- 1.52%
- Q1
- 0.00%
- Min
- 0.00%
MA
Financial Services industry group
0.64%
- Max
- 20.96%
- Q3
- 8.69%
- Median
- 1.54%
- MA
- 0.64%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Goldman Sachs (GS) at 28.31% and Mastercard (MA) at 18.23% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
GS
Financial Services industry group
28.31%
- Max
- 228.57%
- Q3
- 95.23%
- GS
- 28.31%
- Median
- 24.86%
- Q1
- 0.00%
- Min
- 0.00%
MA
Financial Services industry group
18.23%
- Max
- 228.57%
- Q3
- 95.23%
- Median
- 24.86%
- MA
- 18.23%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | GS | MA |
|---|---|---|
| Dividend Yield (TTM) | 1.52% | 0.64% |
| Dividend Payout Ratio (TTM) | 28.31% | 18.23% |
Valuation
P/E Ratio (TTM)
Goldman Sachs (GS) at 18.46 is near its industry’s usual P/E ratio, while Mastercard (MA) at 29.76 sits in the richer quartile — MA needs stronger growth or earnings quality to justify the premium.
GS
Financial Services industry group
18.46
- Max
- 48.68
- Q3
- 25.25
- GS
- 18.46
- Median
- 14.81
- Q1
- 9.35
- Min
- 0.55
MA
Financial Services industry group
29.76
- Max
- 48.68
- MA
- 29.76
- Q3
- 25.25
- Median
- 14.81
- Q1
- 9.35
- Min
- 0.55
P/S Ratio (TTM)
Both look expensive on sales: Goldman Sachs (GS) at 4.85 sits in the upper P/S ratio quartile, and Mastercard (MA) at 13.37 prices even higher, above its industry range.
GS
Financial Services industry group
4.85
- Max
- 9.70
- GS
- 4.85
- Q3
- 4.78
- Median
- 2.89
- Q1
- 1.44
- Min
- -1.03
MA
Financial Services industry group
13.37
- MA
- 13.37
- Max
- 9.70
- Q3
- 4.78
- Median
- 2.89
- Q1
- 1.44
- Min
- -1.03
P/B Ratio (MRQ)
Goldman Sachs (GS) at 2.84 sits near its industry’s typical P/B ratio, while Mastercard (MA) at 67.79 prices above its benchmark range — MA looks rich relative to book.
GS
Financial Services industry group
2.84
- Max
- 7.22
- Q3
- 3.47
- GS
- 2.84
- Median
- 1.67
- Q1
- 0.91
- Min
- 0.00
MA
Financial Services industry group
67.79
- MA
- 67.79
- Max
- 7.22
- Q3
- 3.47
- Median
- 1.67
- Q1
- 0.91
- Min
- 0.00
Valuation Metrics
| Metric | GS | MA |
|---|---|---|
| P/E Ratio (TTM) | 18.46 | 29.76 |
| P/S Ratio (TTM) | 4.85 | 13.37 |
| P/B Ratio (MRQ) | 2.84 | 67.79 |
| Free Cash Flow Yield (TTM) | -- | -- |