MA vs. MS: Mastercard vs. Morgan Stanley Stock Comparison
How do Mastercard (MA) and Morgan Stanley (MS) 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
Mastercard (MA) and Morgan Stanley (MS) both fall under the Financial Services industry group, but MA is classified in Financial Services while MS is classified in Capital Markets.
| Profile Item | MA | MS |
|---|---|---|
| Name | Mastercard Incorporated | Morgan Stanley |
| 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 | Investment Banking & Brokerage |
| Market Capitalization | 453.81 billion USD | 329.72 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | May 25, 2006 | February 23, 1993 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Performance Metrics
| Metric | MA | MS |
|---|---|---|
| Total Return (1Y) | -8.06% | 51.98% |
Risk Profile
Drawdown History
Risk Metrics
| Metric | MA | MS |
|---|---|---|
| Volatility (1Y, Annualized) | 21.26% | 26.37% |
| Beta (5Y) | 0.73 | 1.23 |
| Avg. Volume (3M) | 3.81M | 6.00M |
Risk-Adjusted Performance
Risk-Return Positioning
Profitability
ROE (TTM)
Mastercard (MA) at 232.08% clears its industry range for ROE, a sharper capital-efficiency signal than Morgan Stanley (MS) at 16.39%, which is closer to a typical peer reading.
MA
Financial Services industry group
232.08%
- MA
- 232.08%
- Max
- 42.17%
- Q3
- 21.42%
- Median
- 12.17%
- Q1
- 5.00%
- Min
- -17.69%
MS
Financial Services industry group
16.39%
- Max
- 42.17%
- Q3
- 21.42%
- MS
- 16.39%
- Median
- 12.17%
- Q1
- 5.00%
- Min
- -17.69%
Net Margin (TTM)
Mastercard (MA) at 45.88% retains a top-quartile share of revenue as profit, ahead of Morgan Stanley (MS) at 24.75%, which keeps about the industry-typical share.
MA
Financial Services industry group
45.88%
- Max
- 66.55%
- MA
- 45.88%
- Q3
- 30.43%
- Median
- 16.62%
- Q1
- 4.47%
- Min
- -26.88%
MS
Financial Services industry group
24.75%
- Max
- 66.55%
- Q3
- 30.43%
- MS
- 24.75%
- Median
- 16.62%
- Q1
- 4.47%
- Min
- -26.88%
Operating Margin (TTM)
Mastercard (MA) at 60.84% operates in the top operating margin quartile, ahead of Morgan Stanley (MS) at 40.62%, which runs around its industry’s norm.
MA
Financial Services industry group
60.84%
- Max
- 95.95%
- MA
- 60.84%
- Q3
- 50.35%
- Median
- 26.49%
- Q1
- 11.62%
- Min
- -36.26%
MS
Financial Services industry group
40.62%
- Max
- 95.95%
- Q3
- 50.35%
- MS
- 40.62%
- Median
- 26.49%
- Q1
- 11.62%
- Min
- -36.26%
Profitability Metrics
| Metric | MA | MS |
|---|---|---|
| ROE (TTM) | 232.08% | 16.39% |
| ROA (TTM) | 25.03% | 1.27% |
| Net Margin (TTM) | 45.88% | 24.75% |
| Operating Margin (TTM) | 60.84% | 40.62% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth Metrics
| Metric | MA | MS |
|---|---|---|
| Revenue Growth (YoY) | 16.42% | 14.48% |
| Revenue Growth (3Y CAGR) | 13.82% | 9.52% |
EPS Growth
EPS Growth Metrics
| Metric | MA | MS |
|---|---|---|
| EPS Growth (YoY) | 18.93% | 28.43% |
| EPS Growth (3Y CAGR) | 17.36% | 18.41% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Mastercard (MA) in Financial Services and Morgan Stanley (MS) 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: Mastercard (MA) in Financial Services and Morgan Stanley (MS) 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
| Metric | MA | MS |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Mastercard (MA) at 0.64% and Morgan Stanley (MS) at 1.89% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
MA
Financial Services industry group
0.64%
- Max
- 20.96%
- Q3
- 8.69%
- Median
- 1.54%
- MA
- 0.64%
- Q1
- 0.00%
- Min
- 0.00%
MS
Financial Services industry group
1.89%
- Max
- 20.96%
- Q3
- 8.69%
- MS
- 1.89%
- Median
- 1.54%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Mastercard (MA) at 18.23% and Morgan Stanley (MS) at 35.55% 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
- 95.23%
- Median
- 24.86%
- MA
- 18.23%
- Q1
- 0.00%
- Min
- 0.00%
MS
Financial Services industry group
35.55%
- Max
- 228.57%
- Q3
- 95.23%
- MS
- 35.55%
- Median
- 24.86%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | MA | MS |
|---|---|---|
| Dividend Yield (TTM) | 0.64% | 1.89% |
| Dividend Payout Ratio (TTM) | 18.23% | 35.55% |
Valuation
P/E Ratio (TTM)
Morgan Stanley (MS) at 18.95 is near its industry’s usual P/E ratio, while Mastercard (MA) at 29.76 sits in the richer quartile — MA needs stronger growth or earnings quality to justify the premium.
MA
Financial Services industry group
29.76
- Max
- 48.68
- MA
- 29.76
- Q3
- 25.25
- Median
- 14.81
- Q1
- 9.35
- Min
- 0.55
MS
Financial Services industry group
18.95
- Max
- 48.68
- Q3
- 25.25
- MS
- 18.95
- Median
- 14.81
- Q1
- 9.35
- Min
- 0.55
P/S Ratio (TTM)
Morgan Stanley (MS) at 4.51 prices around its industry’s typical P/S ratio, while Mastercard (MA) at 13.37 clears its benchmark range — MA looks notably rich on sales.
MA
Financial Services industry group
13.37
- MA
- 13.37
- Max
- 9.70
- Q3
- 4.78
- Median
- 2.89
- Q1
- 1.44
- Min
- -1.03
MS
Financial Services industry group
4.51
- Max
- 9.70
- Q3
- 4.78
- MS
- 4.51
- Median
- 2.89
- Q1
- 1.44
- Min
- -1.03
P/B Ratio (MRQ)
Morgan Stanley (MS) at 3.16 sits near its industry’s typical P/B ratio, while Mastercard (MA) at 67.79 prices above its benchmark range — MA looks rich relative to book.
MA
Financial Services industry group
67.79
- MA
- 67.79
- Max
- 7.22
- Q3
- 3.47
- Median
- 1.67
- Q1
- 0.91
- Min
- 0.00
MS
Financial Services industry group
3.16
- Max
- 7.22
- Q3
- 3.47
- MS
- 3.16
- Median
- 1.67
- Q1
- 0.91
- Min
- 0.00
Valuation Metrics
| Metric | MA | MS |
|---|---|---|
| P/E Ratio (TTM) | 29.76 | 18.95 |
| P/S Ratio (TTM) | 13.37 | 4.51 |
| P/B Ratio (MRQ) | 67.79 | 3.16 |
| Free Cash Flow Yield (TTM) | -- | -- |