IBN vs. MA: A Head-to-Head Stock Comparison

Updated on October 5, 2025

Here’s a clear look at IBN and MA, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

IBN trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, MA is a standard domestic listing.

Symbol	IBN	MA
Company Name	ICICI Bank Limited	Mastercard Incorporated
Country	India	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Financial Services
Market Capitalization	109.41 billion USD	514.83 billion USD
Exchange	NYSE	NYSE
Listing Date	March 28, 2000	May 25, 2006
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of IBN 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.

IBN vs. MA: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	IBN	MA
5-Day Price Return	-0.12%	0.00%
13-Week Price Return	-4.17%	1.22%
26-Week Price Return	2.24%	3.60%
52-Week Price Return	5.01%	15.23%
Month-to-Date Return	1.71%	-4.45%
Year-to-Date Return	6.90%	8.02%
10-Day Avg. Volume	15.46M	3.21M
3-Month Avg. Volume	9.50M	2.75M
3-Month Volatility	12.19%	15.98%
Beta	0.06	0.94

Profitability

Return on Equity (TTM)

IBN

17.39%

Banks Industry

Max: 25.40%
Q3: 15.55%
Median: 12.00%
Q1: 8.98%
Min: -0.10%

In the upper quartile for the Banks industry, IBN’s Return on Equity of 17.39% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

MA

191.02%

Financial Services Industry

Max: 39.28%
Q3: 18.88%
Median: 9.97%
Q1: 4.03%
Min: -10.25%

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.

IBN vs. MA: A comparison of their Return on Equity (TTM) against their respective Banks and Financial Services industry benchmarks.

Net Profit Margin (TTM)

IBN

27.24%

Banks Industry

Max: 54.20%
Q3: 35.73%
Median: 28.97%
Q1: 22.56%
Min: 6.98%

IBN’s Net Profit Margin of 27.24% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

MA

44.93%

Financial Services Industry

Max: 52.16%
Q3: 25.35%
Median: 12.68%
Q1: 6.11%
Min: -11.69%

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.

IBN vs. MA: A comparison of their Net Profit Margin (TTM) against their respective Banks and Financial Services industry benchmarks.

Operating Profit Margin (TTM)

IBN

36.51%

Banks Industry

Max: 63.35%
Q3: 44.73%
Median: 37.24%
Q1: 28.25%
Min: 12.28%

IBN’s Operating Profit Margin of 36.51% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

MA

55.78%

Financial Services Industry

Max: 75.57%
Q3: 37.78%
Median: 19.09%
Q1: 10.04%
Min: -19.42%

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.

IBN vs. MA: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Financial Services industry benchmarks.

Profitability at a Glance

Symbol	IBN	MA
Return on Equity (TTM)	17.39%	191.02%
Return on Assets (TTM)	2.04%	27.84%
Net Profit Margin (TTM)	27.24%	44.93%
Operating Profit Margin (TTM)	36.51%	55.78%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

IBN

Banks Industry

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

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

MA

1.16

Financial Services Industry

Max: 4.83
Q3: 2.70
Median: 1.44
Q1: 0.86
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

IBN vs. MA: A comparison of their Current Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

IBN

0.65

Banks Industry

Max: 5.78
Q3: 2.66
Median: 1.05
Q1: 0.40
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

MA

2.42

Financial Services Industry

Max: 5.07
Q3: 2.14
Median: 0.66
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.

IBN vs. MA: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Interest Coverage Ratio (TTM)

IBN

Banks Industry

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

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

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.

IBN vs. MA: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Financial Strength at a Glance

Symbol	IBN	MA
Current Ratio (MRQ)	--	1.16
Quick Ratio (MRQ)	--	1.16
Debt-to-Equity Ratio (MRQ)	0.65	2.42
Interest Coverage Ratio (TTM)	--	37.93

Growth

Revenue Growth

IBN vs. MA: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

IBN vs. MA: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

IBN

0.73%

Banks Industry

Max: 11.03%
Q3: 6.00%
Median: 3.87%
Q1: 2.41%
Min: 0.00%

IBN’s Dividend Yield of 0.73% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

MA

0.50%

Financial Services Industry

Max: 8.12%
Q3: 3.37%
Median: 1.70%
Q1: 0.00%
Min: 0.00%

MA’s Dividend Yield of 0.50% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

IBN vs. MA: A comparison of their Dividend Yield (TTM) against their respective Banks and Financial Services industry benchmarks.

Dividend Payout Ratio (TTM)

IBN

26.62%

Banks Industry

Max: 134.24%
Q3: 79.39%
Median: 55.09%
Q1: 36.09%
Min: 0.00%

IBN’s Dividend Payout Ratio of 26.62% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

MA

19.15%

Financial Services Industry

Max: 132.10%
Q3: 64.32%
Median: 18.23%
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.

IBN vs. MA: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Dividend at a Glance

Symbol	IBN	MA
Dividend Yield (TTM)	0.73%	0.50%
Dividend Payout Ratio (TTM)	26.62%	19.15%

Valuation

Price-to-Earnings Ratio (TTM)

IBN

18.21

Banks Industry

Max: 22.69
Q3: 13.75
Median: 10.32
Q1: 7.73
Min: 2.59

A P/E Ratio of 18.21 places IBN in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

MA

37.94

Financial Services Industry

Max: 45.81
Q3: 30.21
Median: 16.29
Q1: 10.14
Min: 0.70

A P/E Ratio of 37.94 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.

IBN vs. MA: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Price-to-Sales Ratio (TTM)

IBN

4.33

Banks Industry

Max: 4.90
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

MA

17.05

Financial Services Industry

Max: 10.88
Q3: 5.34
Median: 2.64
Q1: 1.24
Min: 0.06

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

IBN vs. MA: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Price-to-Book Ratio (MRQ)

IBN

3.14

Banks Industry

Max: 2.09
Q3: 1.40
Median: 1.11
Q1: 0.86
Min: 0.29

At 3.14, IBN’s P/B Ratio is at an extreme premium to the Banks 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: 7.93
Q3: 3.78
Median: 1.49
Q1: 0.88
Min: 0.08

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.

IBN vs. MA: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Valuation at a Glance

Symbol	IBN	MA
Price-to-Earnings Ratio (TTM)	18.21	37.94
Price-to-Sales Ratio (TTM)	4.33	17.05
Price-to-Book Ratio (MRQ)	3.14	64.98
Price-to-Free Cash Flow Ratio (TTM)	8.16	32.49