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

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 ItemJPMMA
NameJPMorgan Chase & Co.Mastercard Incorporated
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupBanksFinancial Services
GICS IndustryBanksFinancial Services
GICS Sub-IndustryDiversified BanksTransaction & Payment Processing Services
Market Capitalization950.35 billion USD493.15 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 17, 1980May 25, 2006
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

JPM
MA
GSPC
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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)
MetricJPMMA
Total Return (1Y)26.98%0.93%
Total Return (3Y, Annualized)34.56%13.03%
Total Return (5Y, Annualized)20.80%9.14%

Risk Profile

Drawdown History

JPM
MA
GSPC
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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)
MetricJPMMA
Volatility (1Y, Annualized)22.30%22.28%
Beta (5Y)0.980.73
Max Drawdown (5Y)-38.77%-28.25%
Avg. Volume (3M)9.22M3.63M

Risk-Adjusted Performance

Risk-Return Positioning

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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)
MetricJPMMA
Sharpe Ratio (1Y)1.03-0.14
Sortino Ratio (1Y)1.45-0.20

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
13.36%
Median
11.17%
Q1
9.25%
Min
3.19%

MA

Financial Services industry group

241.20%

MA
241.20%
Max
46.75%
Q3
21.47%
Median
12.65%
Q1
4.20%
Min
-18.74%
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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
35.23%
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
16.14%
Q1
4.44%
Min
-28.52%
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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
52.90%
Median
28.21%
Q1
12.60%
Min
-46.79%
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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)
MetricJPMMA
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.

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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.

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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)
MetricJPMMA
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)
MetricJPMMA
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both JPMorgan Chase (JPM) at 1.68% and Mastercard (MA) at 0.59% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

JPM

Banks industry group

1.68%

Max
5.73%
Q3
3.07%
Median
2.20%
JPM
1.68%
Q1
1.13%
Min
0.00%

MA

Financial Services industry group

0.59%

Max
11.42%
Q3
4.62%
Median
1.03%
MA
0.59%
Q1
0.00%
Min
0.00%
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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
77.19%
Q3
42.07%
Median
28.70%
JPM
25.71%
Q1
18.60%
Min
0.00%

MA

Financial Services industry group

17.93%

Max
223.44%
Q3
89.89%
Median
25.00%
MA
17.93%
Q1
0.00%
Min
0.00%
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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)
MetricJPMMA
Dividend Yield (TTM)1.68%0.59%
Dividend Payout Ratio (TTM)25.71%17.93%

Valuation

P/E Ratio (TTM)

JPMorgan Chase (JPM) at 15.27 is near its industry’s usual P/E ratio, while Mastercard (MA) at 31.64 sits in the richer quartile — MA needs stronger growth or earnings quality to justify the premium.

JPM

Banks industry group

15.27

Max
20.65
Q3
15.31
JPM
15.27
Median
12.91
Q1
11.60
Min
7.33

MA

Financial Services industry group

31.64

Max
50.71
MA
31.64
Q3
26.21
Median
15.62
Q1
9.53
Min
1.87
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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 14.06; 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

14.06

MA
14.06
Max
10.14
Q3
4.96
Median
2.96
Q1
1.51
Min
-1.30
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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 2.69 and Mastercard (MA) at 88.02 look expensive — each P/B ratio sits above its industry’s benchmark range.

JPM

Banks industry group

2.69

JPM
2.69
Max
2.38
Q3
1.64
Median
1.36
Q1
1.15
Min
0.44

MA

Financial Services industry group

88.02

MA
88.02
Max
7.67
Q3
3.60
Median
1.67
Q1
0.87
Min
-0.46
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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)
MetricJPMMA
P/E Ratio (TTM)15.2731.64
P/S Ratio (TTM)--14.06
P/B Ratio (MRQ)2.6988.02
Free Cash Flow Yield (TTM)----