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LPLA vs. MA: LPL Financial vs. Mastercard Stock Comparison

How do LPL Financial (LPLA) 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

LPL Financial (LPLA) and Mastercard (MA) both fall under the Financial Services industry group, but LPLA is classified in Capital Markets while MA is classified in Financial Services.

Company profile comparison for LPL Financial (LPLA) and Mastercard (MA)
Profile ItemLPLAMA
NameLPL Financial Holdings Inc.Mastercard Inc. Class A Common Stock
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryCapital MarketsFinancial Services
GICS Sub-IndustryInvestment Banking & BrokerageTransaction & Payment Processing Services
Market Capitalization23.01 billion USD568.62 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateNovember 18, 2010May 25, 2006
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

LPLA
MA
GSPC
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LPL Financial (LPLA) 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 LPL Financial (LPLA) and Mastercard (MA). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for LPL Financial (LPLA) and Mastercard (MA). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for LPL Financial (LPLA) and Mastercard (MA)
MetricLPLAMA
Total Return (1Y)-17.27%20.00%
Total Return (3Y, Annualized)11.10%19.98%
Total Return (5Y, Annualized)13.92%14.49%

Risk Profile

Drawdown History

LPLA
MA
GSPC
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LPL Financial (LPLA) 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 LPL Financial (LPLA) and Mastercard (MA). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for LPL Financial (LPLA) and Mastercard (MA)
MetricLPLAMA
Volatility (1Y, Annualized)39.22%23.57%
Beta (5Y)0.520.76
Max Drawdown (5Y)-33.18%-28.25%
Avg. Volume (3M)855.76K2.98M

Risk-Adjusted Performance

Risk-Return Positioning

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LPLA and MA are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for LPL Financial (LPLA) and Mastercard (MA)
MetricLPLAMA
Sharpe Ratio (1Y)-0.550.67
Sortino Ratio (1Y)-0.701.00

Profitability

ROE (TTM)

Both companies show strong equity returns, but Mastercard (MA) at 231.37% is the standout with ROE above its industry range; LPL Financial (LPLA) at 25.66% also sits in the top quartile.

LPLA

Financial Services industry group

25.66%

Max
44.78%
LPLA
25.66%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%

MA

Financial Services industry group

231.37%

MA
231.37%
Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
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LPL Financial (LPLA) vs. Mastercard (MA): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Mastercard (MA) at 46.73% retains a top-quartile share of revenue as profit, ahead of LPL Financial (LPLA) at 6.97%, which keeps about the industry-typical share.

LPLA

Financial Services industry group

6.97%

Max
62.84%
Q3
28.05%
Median
15.36%
LPLA
6.97%
Q1
4.82%
Min
-28.52%

MA

Financial Services industry group

46.73%

Max
62.84%
MA
46.73%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%
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LPL Financial (LPLA) vs. Mastercard (MA): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Mastercard (MA) at 60.53% carries a top-quartile operating margin, while LPL Financial (LPLA) at 10.85% operates in the bottom quartile.

LPLA

Financial Services industry group

10.85%

Max
107.33%
Q3
55.90%
Median
30.09%
Q1
14.60%
LPLA
10.85%
Min
-44.34%

MA

Financial Services industry group

60.53%

Max
107.33%
MA
60.53%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
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LPL Financial (LPLA) vs. Mastercard (MA): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for LPL Financial (LPLA) and Mastercard (MA)
MetricLPLAMA
ROE (TTM)25.66%231.37%
ROA (TTM)7.35%24.45%
Net Margin (TTM)6.97%46.73%
Operating Margin (TTM)10.85%60.53%
Gross Margin (TTM)----

Growth

Revenue Growth

LPL Financial (LPLA) at 37.18% sits in the top revenue growth quartile, while Mastercard (MA) at 16.42% is closer to the peer norm — faster top-line expansion for LPLA.

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LPL Financial (LPLA) vs. Mastercard (MA): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both LPL Financial (LPLA) at -22.17% and Mastercard (MA) at 18.93% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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LPL Financial (LPLA) vs. Mastercard (MA): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for LPL Financial (LPLA) and Mastercard (MA)
MetricLPLAMA
Revenue Growth (YoY)37.18%16.42%
Revenue Growth (3Y CAGR)25.47%13.82%
EPS Growth (YoY)-22.17%18.93%
EPS Growth (3Y CAGR)1.64%17.36%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: LPL Financial (LPLA) 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: LPL Financial (LPLA) 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

Financial strength metrics for LPL Financial (LPLA) and Mastercard (MA)
MetricLPLAMA
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both LPL Financial (LPLA) at 0.40% and Mastercard (MA) at 0.53% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

LPLA

Financial Services industry group

0.40%

Max
9.77%
Q3
3.92%
Median
1.09%
LPLA
0.40%
Q1
0.00%
Min
0.00%

MA

Financial Services industry group

0.53%

Max
9.77%
Q3
3.92%
Median
1.09%
MA
0.53%
Q1
0.00%
Min
0.00%
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LPL Financial (LPLA) vs. Mastercard (MA): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both LPL Financial (LPLA) at 6.88% and Mastercard (MA) at 17.63% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

LPLA

Financial Services industry group

6.88%

Max
241.07%
Q3
97.36%
Median
25.77%
LPLA
6.88%
Q1
0.00%
Min
0.00%

MA

Financial Services industry group

17.63%

Max
241.07%
Q3
97.36%
Median
25.77%
MA
17.63%
Q1
0.00%
Min
0.00%
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LPL Financial (LPLA) vs. Mastercard (MA): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for LPL Financial (LPLA) and Mastercard (MA)
MetricLPLAMA
Dividend Yield (TTM)0.40%0.53%
Dividend Payout Ratio (TTM)6.88%17.63%

Valuation

P/E Ratio (TTM)

LPL Financial (LPLA) at 16.93 is near its industry’s usual P/E ratio, while Mastercard (MA) at 34.15 sits in the richer quartile — MA needs stronger growth or earnings quality to justify the premium.

LPLA

Financial Services industry group

16.93

Max
45.85
Q3
24.64
LPLA
16.93
Median
15.37
Q1
9.68
Min
0.16

MA

Financial Services industry group

34.15

Max
45.85
MA
34.15
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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LPL Financial (LPLA) vs. Mastercard (MA): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

LPL Financial (LPLA) at 1.15 sits in the cheaper P/S ratio quartile while Mastercard (MA) at 15.67 prices above its industry range — a wide gap in sales valuation between them.

LPLA

Financial Services industry group

1.15

Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
LPLA
1.15
Min
-0.55

MA

Financial Services industry group

15.67

MA
15.67
Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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LPL Financial (LPLA) vs. Mastercard (MA): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Both look rich against book: LPL Financial (LPLA) at 3.98 sits in the upper P/B ratio quartile, and Mastercard (MA) at 84.30 prices even higher, above its industry range.

LPLA

Financial Services industry group

3.98

Max
7.79
LPLA
3.98
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39

MA

Financial Services industry group

84.30

MA
84.30
Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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LPL Financial (LPLA) vs. Mastercard (MA): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for LPL Financial (LPLA) and Mastercard (MA)
MetricLPLAMA
P/E Ratio (TTM)16.9334.15
P/S Ratio (TTM)1.1515.67
P/B Ratio (MRQ)3.9884.30
Free Cash Flow Yield (TTM)----