MA vs. MCO: Mastercard vs. Moody's Stock Comparison
This page compares Mastercard (MA) with Moody's (MCO) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | MA | MCO |
|---|---|---|
| 1-Year Return | -16.36% | -6.12% |
Risk
Drawdown
Risk at a Glance
| Metric | MA | MCO |
|---|---|---|
| 1-Year Volatility | 22.38% | 26.45% |
| Beta | 0.74 | 1.34 |
| 3-Month Avg. Volume | 3.58M | 1.08M |
Company Profile
Mastercard (MA) and Moody's (MCO) both fall under the Financial Services industry group, but MA is classified in Financial Services while MCO is classified in Capital Markets.
| Profile Item | MA | MCO |
|---|---|---|
| Name | Mastercard Incorporated | Moody's Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Capital Markets |
| GICS Sub-Industry | Transaction & Payment Processing Services | Financial Exchanges & Data |
| Market Capitalization | 432.94 billion USD | 78.23 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | May 25, 2006 | October 31, 1994 |
| Security Type | Common Stock | Common Stock |
Valuation
Price-to-Earnings Ratio (TTM)
Both Mastercard (MA) at 28.32 and Moody's (MCO) at 32.15 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.
MA
Financial Services industry group
28.32
- Max
- 47.33
- MA
- 28.32
- Q3
- 25.83
- Median
- 14.56
- Q1
- 9.03
- Min
- 0.60
MCO
Financial Services industry group
32.15
- Max
- 47.33
- MCO
- 32.15
- Q3
- 25.83
- Median
- 14.56
- Q1
- 9.03
- Min
- 0.60
Price-to-Sales Ratio (TTM)
Investors are paying well above the peer range per dollar of sales for both Mastercard (MA) at 12.76 and Moody's (MCO) at 9.94 — each P/S ratio clears its industry’s benchmark range.
MA
Financial Services industry group
12.76
- MA
- 12.76
- Max
- 9.45
- Q3
- 4.84
- Median
- 2.86
- Q1
- 1.48
- Min
- -1.12
MCO
Financial Services industry group
9.94
- MCO
- 9.94
- Max
- 9.45
- Q3
- 4.84
- Median
- 2.86
- Q1
- 1.48
- Min
- -1.12
Price-to-Book Ratio (MRQ)
Measured against book value, both Mastercard (MA) at 64.68 and Moody's (MCO) at 26.13 look expensive — each P/B ratio sits above its industry’s benchmark range.
MA
Financial Services industry group
64.68
- MA
- 64.68
- Max
- 7.24
- Q3
- 3.50
- Median
- 1.63
- Q1
- 0.92
- Min
- 0.00
MCO
Financial Services industry group
26.13
- MCO
- 26.13
- Max
- 7.24
- Q3
- 3.50
- Median
- 1.63
- Q1
- 0.92
- Min
- 0.00
Valuation at a Glance
| Metric | MA | MCO |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 28.32 | 32.15 |
| Price-to-Sales Ratio (TTM) | 12.76 | 9.94 |
| Price-to-Book Ratio (MRQ) | 64.68 | 26.13 |
| Free Cash Flow Yield | -- | -- |
Profitability
Return on Equity (TTM)
Both Mastercard (MA) at 232.08% and Moody's (MCO) at 71.36% turn shareholders’ equity into profit at rates above their industry benchmark ranges for ROE. That is a strong capital-efficiency signal, though leverage and the equity base still matter.
MA
Financial Services industry group
232.08%
- MA
- 232.08%
- Max
- 42.17%
- Q3
- 21.40%
- Median
- 12.18%
- Q1
- 5.01%
- Min
- -18.74%
MCO
Financial Services industry group
71.36%
- MCO
- 71.36%
- Max
- 42.17%
- Q3
- 21.40%
- Median
- 12.18%
- Q1
- 5.01%
- Min
- -18.74%
Net Profit Margin (TTM)
For every dollar of sales, both Mastercard (MA) at 45.88% and Moody's (MCO) at 31.69% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
MA
Financial Services industry group
45.88%
- Max
- 66.55%
- MA
- 45.88%
- Q3
- 30.41%
- Median
- 16.58%
- Q1
- 4.49%
- Min
- -26.88%
MCO
Financial Services industry group
31.69%
- Max
- 66.55%
- MCO
- 31.69%
- Q3
- 30.41%
- Median
- 16.58%
- Q1
- 4.49%
- Min
- -26.88%
Operating Profit Margin (TTM)
Mastercard (MA) at 60.84% operates in the top operating margin quartile, ahead of Moody's (MCO) at 45.74%, which runs around its industry’s norm.
MA
Financial Services industry group
60.84%
- Max
- 95.95%
- MA
- 60.84%
- Q3
- 50.01%
- Median
- 27.45%
- Q1
- 12.28%
- Min
- -36.26%
MCO
Financial Services industry group
45.74%
- Max
- 95.95%
- Q3
- 50.01%
- MCO
- 45.74%
- Median
- 27.45%
- Q1
- 12.28%
- Min
- -36.26%
Profitability at a Glance
| Metric | MA | MCO |
|---|---|---|
| Return on Equity (TTM) | 232.08% | 71.36% |
| Return on Assets (TTM) | 25.03% | 14.82% |
| Net Profit Margin (TTM) | 45.88% | 31.69% |
| Operating Profit Margin (TTM) | 60.84% | 45.74% |
| Gross Profit Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | MA | MCO |
|---|---|---|
| 1-Year Revenue Growth | 16.42% | 8.89% |
| 3-Year Revenue CAGR | 13.82% | 12.17% |
EPS Growth
EPS Growth at a Glance
| Metric | MA | MCO |
|---|---|---|
| 1-Year EPS Growth | 18.93% | 21.40% |
| 3-Year EPS CAGR | 17.36% | 22.48% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Mastercard (MA) in Financial Services and Moody's (MCO) 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-to-Equity Ratio (MRQ)
debt-to-equity ratio is set aside for both: Mastercard (MA) in Financial Services and Moody's (MCO) 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 at a Glance
| Metric | MA | MCO |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt-to-Equity Ratio (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Mastercard (MA) at 0.71% and Moody's (MCO) at 0.92% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
MA
Financial Services industry group
0.71%
- Max
- 18.40%
- Q3
- 7.73%
- Median
- 1.93%
- MA
- 0.71%
- Q1
- 0.00%
- Min
- 0.00%
MCO
Financial Services industry group
0.92%
- Max
- 18.40%
- Q3
- 7.73%
- Median
- 1.93%
- MCO
- 0.92%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Mastercard (MA) at 18.23% and Moody's (MCO) at 27.62% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
MA
Financial Services industry group
18.23%
- Max
- 228.57%
- Q3
- 95.72%
- Median
- 25.56%
- MA
- 18.23%
- Q1
- 0.00%
- Min
- 0.00%
MCO
Financial Services industry group
27.62%
- Max
- 228.57%
- Q3
- 95.72%
- MCO
- 27.62%
- Median
- 25.56%
- Q1
- 0.00%
- Min
- 0.00%
Dividends at a Glance
| Metric | MA | MCO |
|---|---|---|
| Dividend Yield (TTM) | 0.71% | 0.92% |
| Dividend Payout Ratio (TTM) | 18.23% | 27.62% |