JPM vs. MA: A Head-to-Head Stock Comparison
Here's a clear look at JPM and MA, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | JPM | MA |
|---|---|---|
| Company Name | JPMorgan Chase & Co. | Mastercard Incorporated |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Financial Services |
| GICS Industry | Banks | Financial Services |
| GICS Sub-Industry | Diversified Banks | Transaction & Payment Processing Services |
| Market Capitalization | 762.83 billion USD | 432.15 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 17, 1980 | May 25, 2006 |
| Security Type | Common Stock | Common Stock |
JPM's market capitalization (762.83 billion USD) is substantially larger than MA's (432.15 billion USD), indicating a significant difference in their market valuations.
Historical Performance
This chart compares the performance of JPM 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 | JPM | MA |
|---|---|---|
| 5-Day Price Return | -2.44% | -3.23% |
| 13-Week Price Return | -13.22% | -15.98% |
| 26-Week Price Return | -9.47% | -17.15% |
| 52-Week Price Return | 13.99% | -13.15% |
| Month-to-Date Return | -5.81% | -6.37% |
| Year-to-Date Return | -12.22% | -15.18% |
| 10-Day Avg. Volume | 11.27M | 3.44M |
| 3-Month Avg. Volume | 10.57M | 3.53M |
| 3-Month Volatility | 24.43% | 25.08% |
| Beta | 1.08 | 0.83 |
With betas of 1.08 for JPM and 0.83 for MA, both stocks show similar sensitivity to overall market movements.
Profitability
Return on Equity (TTM)
JPM
15.95%
Banks Industry
- Max
- 24.14%
- Q3
- 15.44%
- Median
- 11.52%
- Q1
- 8.99%
- Min
- 2.22%
In the upper quartile for the Banks industry, JPM's Return on Equity of 15.95% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
MA
198.48%
Financial Services Industry
- Max
- 39.62%
- Q3
- 18.82%
- Median
- 11.51%
- Q1
- 3.90%
- Min
- -10.90%
MA's Return on Equity of 198.48% 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)
JPM
33.26%
Banks Industry
- Max
- 54.20%
- Q3
- 35.27%
- Median
- 28.81%
- Q1
- 21.97%
- Min
- 2.66%
JPM's Net Profit Margin of 33.26% 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
45.65%
Financial Services Industry
- Max
- 55.05%
- Q3
- 27.62%
- Median
- 14.11%
- Q1
- 7.52%
- Min
- -14.95%
A Net Profit Margin of 45.65% 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)
JPM
41.23%
Banks Industry
- Max
- 63.35%
- Q3
- 44.29%
- Median
- 36.71%
- Q1
- 28.13%
- Min
- 12.28%
JPM's Operating Profit Margin of 41.23% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.
MA
57.63%
Financial Services Industry
- Max
- 79.44%
- Q3
- 41.96%
- Median
- 21.21%
- Q1
- 11.10%
- Min
- -34.40%
An Operating Profit Margin of 57.63% 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 | JPM | MA |
|---|---|---|
| Return on Equity (TTM) | 15.95% | 198.48% |
| Return on Assets (TTM) | 1.28% | 28.88% |
| Net Profit Margin (TTM) | 33.26% | 45.65% |
| Operating Profit Margin (TTM) | 41.23% | 57.63% |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
JPM
--
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
1.04
Financial Services Industry
- Max
- 3.92
- Q3
- 2.06
- Median
- 1.35
- Q1
- 0.73
- 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)
JPM
2.60
Banks Industry
- Max
- 4.88
- Q3
- 2.59
- Median
- 0.91
- Q1
- 0.32
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.
MA
2.46
Financial Services Industry
- Max
- 3.94
- Q3
- 1.96
- Median
- 0.56
- Q1
- 0.13
- 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)
JPM
--
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
39.31
Financial Services Industry
- Max
- 136.23
- Q3
- 56.08
- Median
- 4.69
- Q1
- 1.23
- Min
- -44.62
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 | JPM | MA |
|---|---|---|
| Current Ratio (MRQ) | -- | 1.04 |
| Quick Ratio (MRQ) | -- | 0.87 |
| Debt-to-Equity Ratio (MRQ) | 2.60 | 2.46 |
| Interest Coverage Ratio (TTM) | -- | 39.31 |
Growth
Revenue Growth
Revenue Growth at a Glance
| Symbol | JPM | MA |
|---|---|---|
| Revenue Growth (MRQ vs Prior YoY) | 73.97% | 17.59% |
| Revenue Growth (TTM vs Prior YoY) | 108.98% | 16.42% |
| 3-Year Revenue CAGR | 3.36% | 13.82% |
| 5-Year Revenue CAGR | 7.73% | 16.47% |
EPS Growth
EPS Growth at a Glance
| Symbol | JPM | MA |
|---|---|---|
| EPS Growth (MRQ vs Prior YoY) | -3.54% | 24.19% |
| EPS Growth (TTM vs Prior YoY) | 0.98% | 18.92% |
| 3-Year EPS CAGR | 17.37% | 17.34% |
| 5-Year EPS CAGR | 16.80% | 20.99% |
Dividend
Dividend Yield (TTM)
JPM
2.18%
Banks Industry
- Max
- 9.84%
- Q3
- 5.38%
- Median
- 3.84%
- Q1
- 2.41%
- Min
- 0.00%
JPM's Dividend Yield of 2.18% 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
0.64%
Financial Services Industry
- Max
- 8.88%
- Q3
- 3.73%
- Median
- 1.81%
- Q1
- 0.00%
- Min
- 0.00%
MA's Dividend Yield of 0.64% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
JPM
29.14%
Banks Industry
- Max
- 134.24%
- Q3
- 77.52%
- Median
- 51.45%
- Q1
- 34.05%
- Min
- 0.00%
JPM's Dividend Payout Ratio of 29.14% 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
18.41%
Financial Services Industry
- Max
- 124.83%
- Q3
- 57.81%
- Median
- 20.19%
- Q1
- 0.00%
- Min
- 0.00%
MA's Dividend Payout Ratio of 18.41% 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 | JPM | MA |
|---|---|---|
| Dividend Yield (TTM) | 2.18% | 0.64% |
| Dividend Payout Ratio (TTM) | 29.14% | 18.41% |
Valuation
Price-to-Earnings Ratio (TTM)
JPM
13.37
Banks Industry
- Max
- 22.52
- Q3
- 13.85
- Median
- 10.59
- Q1
- 8.01
- Min
- 3.01
JPM's P/E Ratio of 13.37 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
MA
28.85
Financial Services Industry
- Max
- 50.18
- Q3
- 26.05
- Median
- 12.30
- Q1
- 7.56
- Min
- 0.27
A P/E Ratio of 28.85 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)
JPM
2.90
Banks Industry
- Max
- 4.90
- Q3
- 2.99
- Median
- 2.18
- Q1
- 1.56
- Min
- 0.39
The P/S Ratio is often not a primary valuation tool in the Banks industry.
MA
13.17
Financial Services Industry
- Max
- 7.57
- Q3
- 4.47
- Median
- 2.26
- Q1
- 1.13
- Min
- 0.02
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
Price-to-Book Ratio (MRQ)
JPM
2.42
Banks Industry
- Max
- 2.42
- Q3
- 1.57
- Median
- 1.21
- Q1
- 0.95
- Min
- 0.13
JPM's P/B Ratio of 2.42 is in the upper tier for the Banks industry. This indicates that investors are paying a premium relative to the company's net assets, a valuation that hinges on its ability to generate superior profits.
MA
66.26
Financial Services Industry
- Max
- 7.41
- Q3
- 3.72
- Median
- 1.58
- Q1
- 0.99
- Min
- 0.09
At 66.26, 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 | JPM | MA |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 13.37 | 28.85 |
| Price-to-Sales Ratio (TTM) | 2.90 | 13.17 |
| Price-to-Book Ratio (MRQ) | 2.42 | 66.26 |
| Price-to-Free Cash Flow Ratio (TTM) | 5.11 | 26.28 |