JPM vs. MA: JPMorgan Chase vs. Mastercard Stock Comparison

August 16, 2026

How do JPMorgan Chase (JPM) 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

JPMorgan Chase (JPM) and Mastercard (MA) share the Financials sector but sit in different industry groups — JPM in Banks and MA in Financial Services.

Company profile comparison for JPMorgan Chase (JPM) and Mastercard (MA)
Profile Item	JPM	MA
Name	JPMorgan Chase & Co.	Mastercard Incorporated
Country/Region	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	964.50 billion USD	498.70 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	March 17, 1980	May 25, 2006
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

JPM

GSPC

JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) and Mastercard (MA). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for JPMorgan Chase (JPM) and Mastercard (MA). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for JPMorgan Chase (JPM) and Mastercard (MA)
Metric	JPM	MA
Total Return (1Y)	25.71%	-1.87%
Total Return (3Y, Annualized)	35.80%	13.29%
Total Return (5Y, Annualized)	20.78%	10.08%

Risk Profile

Drawdown History

JPM

GSPC

JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) and Mastercard (MA). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for JPMorgan Chase (JPM) and Mastercard (MA)
Metric	JPM	MA
Volatility (1Y, Annualized)	22.26%	22.17%
Beta (5Y)	0.99	0.73
Max Drawdown (5Y)	-38.77%	-28.25%
Avg. Volume (3M)	8.91M	3.52M

Risk-Adjusted Performance

Risk-Return Positioning

JPM 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 JPMorgan Chase (JPM) and Mastercard (MA)
Metric	JPM	MA
Sharpe Ratio (1Y)	0.98	-0.26
Sortino Ratio (1Y)	1.38	-0.37

Profitability

ROE (TTM)

Both companies show strong equity returns, but Mastercard (MA) at 241.20% is the standout with ROE above its industry range; JPMorgan Chase (JPM) at 17.79% also sits in the top quartile.

JPM

Banks industry group

17.79%

Max: 19.49%
JPM: 17.79%
Q3: 13.33%
Median: 11.17%
Q1: 9.21%
Min: 3.19%

MA

Financial Services industry group

241.20%

MA: 241.20%
Max: 48.53%
Q3: 22.22%
Median: 12.75%
Q1: 4.09%
Min: -22.61%

JPMorgan Chase (JPM) vs. Mastercard (MA): A comparison of their ROE against their respective Banks and Financial Services industry group benchmarks.

Net Margin (TTM)

Mastercard (MA) at 46.34% retains a top-quartile share of revenue as profit, ahead of JPMorgan Chase (JPM) at 34.92%, which keeps about the industry-typical share.

JPM

Banks industry group

34.92%

Max: 47.25%
Q3: 35.18%
JPM: 34.92%
Median: 30.75%
Q1: 26.80%
Min: 14.41%

MA

Financial Services industry group

46.34%

Max: 66.61%
MA: 46.34%
Q3: 29.41%
Median: 16.08%
Q1: 4.44%
Min: -30.54%

JPMorgan Chase (JPM) vs. Mastercard (MA): A comparison of their net margin against their respective Banks and Financial Services industry group benchmarks.

Operating Margin (TTM)

Mastercard (MA) reports operating margin of 61.11%; JPMorgan Chase (JPM) doesn’t report a comparable line — in Banks, funding costs sit inside the core business rather than below an operating line, so profitability is better judged on net margin or ROE.

JPM

Banks industry group

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

MA

Financial Services industry group

61.11%

Max: 96.23%
MA: 61.11%
Q3: 53.97%
Median: 28.94%
Q1: 11.79%
Min: -46.79%

JPMorgan Chase (JPM) vs. Mastercard (MA): JPM’s operating margin is not assessed under the Banks industry convention, so the chart shows available visual context for MA only.

Profitability Metrics

Profitability metrics for JPMorgan Chase (JPM) and Mastercard (MA)
Metric	JPM	MA
ROE (TTM)	17.79%	241.20%
ROA (TTM)	1.36%	24.06%
Net Margin (TTM)	34.92%	46.34%
Operating Margin (TTM)	--	61.11%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Both JPMorgan Chase (JPM) at 7.32% and Mastercard (MA) at 16.42% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

JPMorgan Chase (JPM) vs. Mastercard (MA): A comparison of their Revenue Growth across different time periods.

EPS Growth

Mastercard (MA) at 18.93% is around its peer norm for EPS growth, while JPMorgan Chase (JPM) at 1.37% drops into the bottom quartile, signaling weaker earnings momentum.

JPMorgan Chase (JPM) vs. Mastercard (MA): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for JPMorgan Chase (JPM) and Mastercard (MA)
Metric	JPM	MA
Revenue Growth (YoY)	7.32%	16.42%
Revenue Growth (3Y CAGR)	12.50%	13.82%
EPS Growth (YoY)	1.37%	18.93%
EPS Growth (3Y CAGR)	18.31%	17.36%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: JPMorgan Chase (JPM) in Banks 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: JPMorgan Chase (JPM) in Banks 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

Financial strength metrics for JPMorgan Chase (JPM) and Mastercard (MA)
Metric	JPM	MA
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Both JPMorgan Chase (JPM) at 1.65% and Mastercard (MA) at 0.59% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

JPM

Banks industry group

1.65%

Max: 5.57%
Q3: 3.08%
Median: 2.25%
JPM: 1.65%
Q1: 1.20%
Min: 0.00%

MA

Financial Services industry group

0.59%

Max: 17.41%
Q3: 7.19%
Median: 1.49%
MA: 0.59%
Q1: 0.00%
Min: 0.00%

JPMorgan Chase (JPM) vs. Mastercard (MA): A comparison of their dividend yield against their respective Banks and Financial Services industry group benchmarks.

Dividend Payout Ratio (TTM)

Both JPMorgan Chase (JPM) at 25.71% and Mastercard (MA) at 17.93% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

JPM

Banks industry group

25.71%

Max: 76.19%
Q3: 41.82%
Median: 28.70%
JPM: 25.71%
Q1: 18.66%
Min: 0.00%

MA

Financial Services industry group

17.93%

Max: 223.44%
Q3: 89.87%
Median: 25.19%
MA: 17.93%
Q1: 0.00%
Min: 0.00%

JPMorgan Chase (JPM) vs. Mastercard (MA): A comparison of their payout ratio against their respective Banks and Financial Services industry group benchmarks.

Dividend Metrics

Dividend metrics for JPMorgan Chase (JPM) and Mastercard (MA)
Metric	JPM	MA
Dividend Yield (TTM)	1.65%	0.59%
Dividend Payout Ratio (TTM)	25.71%	17.93%

Valuation

P/E Ratio (TTM)

Both JPMorgan Chase (JPM) at 15.55 and Mastercard (MA) at 31.35 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

JPM

Banks industry group

15.55

Max: 20.84
JPM: 15.55
Q3: 15.55
Median: 13.12
Q1: 11.81
Min: 7.19

MA

Financial Services industry group

31.35

Max: 50.93
MA: 31.35
Q3: 26.65
Median: 16.33
Q1: 10.01
Min: 2.15

JPMorgan Chase (JPM) vs. Mastercard (MA): A comparison of their P/E ratio against their respective Banks and Financial Services industry group benchmarks.

P/S Ratio (TTM)

Mastercard (MA) shows P/S ratio of 14.21; for JPMorgan Chase (JPM) the multiple is skipped — in Banks, income is dominated by interest spread rather than a conventional revenue line, so pricing per dollar of sales loses meaning and book- or earnings-based multiples carry the comparison.

JPM

Banks industry group

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

MA

Financial Services industry group

14.21

MA: 14.21
Max: 9.98
Q3: 4.93
Median: 2.98
Q1: 1.55
Min: -1.13

JPMorgan Chase (JPM) vs. Mastercard (MA): JPM’s P/S ratio is not assessed under the Banks industry convention, so the chart shows available visual context for MA only.

P/B Ratio (MRQ)

Measured against book value, both JPMorgan Chase (JPM) at 2.73 and Mastercard (MA) at 89.01 look expensive — each P/B ratio sits above its industry’s benchmark range.

JPM

Banks industry group

2.73

JPM: 2.73
Max: 2.39
Q3: 1.67
Median: 1.37
Q1: 1.17
Min: 0.43

MA

Financial Services industry group

89.01

MA: 89.01
Max: 7.91
Q3: 3.71
Median: 1.60
Q1: 0.85
Min: -0.34

JPMorgan Chase (JPM) vs. Mastercard (MA): A comparison of their P/B ratio against their respective Banks and Financial Services industry group benchmarks.

Valuation Metrics

Valuation metrics for JPMorgan Chase (JPM) and Mastercard (MA)
Metric	JPM	MA
P/E Ratio (TTM)	15.55	31.35
P/S Ratio (TTM)	--	14.21
P/B Ratio (MRQ)	2.73	89.01
Free Cash Flow Yield (TTM)	--	--