MA vs. ORCL: Mastercard vs. Oracle Stock Comparison

November 11, 2026

How do Mastercard (MA) and Oracle (ORCL) 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) is classified in the Financials sector (Financial Services), whereas Oracle (ORCL) belongs to Information Technology (Software & Services) — their GICS classifications point to very different parts of the market.

Company profile comparison for Mastercard (MA) and Oracle (ORCL)
Profile Item	MA	ORCL
Name	Mastercard Inc. Class A Common Stock	Oracle Corporation
Country/Region	United States	United States
GICS Sector	Financials	Information Technology
GICS Industry Group	Financial Services	Software & Services
GICS Industry	Financial Services	Software
GICS Sub-Industry	Transaction & Payment Processing Services	Systems Software
Market Capitalization	568.62 billion USD	361.97 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	May 25, 2006	March 12, 1986
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

ORCL

GSPC

Mastercard (MA) vs. Oracle (ORCL), 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

Loading price history…

Trailing total returns for Mastercard (MA) and Oracle (ORCL). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…

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

Performance Metrics

Price performance metrics for Mastercard (MA) and Oracle (ORCL)
Metric	MA	ORCL
Total Return (1Y)	20.00%	-49.72%
Total Return (3Y, Annualized)	19.98%	3.11%
Total Return (5Y, Annualized)	14.49%	6.07%

Risk Profile

Drawdown History

ORCL

GSPC

Mastercard (MA) vs. Oracle (ORCL), 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

Loading price history…

Distribution of monthly total returns for Mastercard (MA) and Oracle (ORCL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Mastercard (MA) and Oracle (ORCL)
Metric	MA	ORCL
Volatility (1Y, Annualized)	23.57%	59.45%
Beta (5Y)	0.76	1.80
Max Drawdown (5Y)	-28.25%	-64.58%
Avg. Volume (3M)	2.98M	33.24M

Risk-Adjusted Performance

Risk-Return Positioning

MA and ORCL 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 Mastercard (MA) and Oracle (ORCL)
Metric	MA	ORCL
Sharpe Ratio (1Y)	0.67	-0.91
Sortino Ratio (1Y)	1.00	-1.29

Profitability

ROE (TTM)

Both companies show strong equity returns, but Mastercard (MA) at 231.37% is the standout with ROE above its industry range; Oracle (ORCL) at 41.19% also sits in the top quartile.

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%

ORCL

Software & Services industry group

41.19%

Max: 53.85%
ORCL: 41.19%
Q3: 17.90%
Median: 6.59%
Q1: -9.59%
Min: -50.52%

Mastercard (MA) vs. Oracle (ORCL): A comparison of their ROE against their respective Financial Services and Software & Services industry group benchmarks.

Net Margin (TTM)

For every dollar of sales, both Mastercard (MA) at 46.73% and Oracle (ORCL) at 26.36% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

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%

ORCL

Software & Services industry group

26.36%

Max: 41.17%
ORCL: 26.36%
Q3: 15.28%
Median: 4.63%
Q1: -5.42%
Min: -33.17%

Mastercard (MA) vs. Oracle (ORCL): A comparison of their net margin against their respective Financial Services and Software & Services industry group benchmarks.

Operating Margin (TTM)

Both Mastercard (MA) at 60.53% and Oracle (ORCL) at 35.63% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.

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%

ORCL

Software & Services industry group

35.63%

Max: 46.89%
ORCL: 35.63%
Q3: 17.64%
Median: 8.73%
Q1: -2.13%
Min: -30.45%

Mastercard (MA) vs. Oracle (ORCL): A comparison of their operating margin against their respective Financial Services and Software & Services industry group benchmarks.

Profitability Metrics

Profitability metrics for Mastercard (MA) and Oracle (ORCL)
Metric	MA	ORCL
ROE (TTM)	231.37%	41.19%
ROA (TTM)	24.45%	6.36%
Net Margin (TTM)	46.73%	26.36%
Operating Margin (TTM)	60.53%	35.63%
Gross Margin (TTM)	--	63.96%

Growth

Revenue Growth

Both Mastercard (MA) at 16.42% and Oracle (ORCL) at 17.35% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Mastercard (MA) vs. Oracle (ORCL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Mastercard (MA) at 18.93% and Oracle (ORCL) at 34.33% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Mastercard (MA) vs. Oracle (ORCL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Mastercard (MA) and Oracle (ORCL)
Metric	MA	ORCL
Revenue Growth (YoY)	16.42%	17.35%
Revenue Growth (3Y CAGR)	13.82%	10.48%
EPS Growth (YoY)	18.93%	34.33%
EPS Growth (3Y CAGR)	17.36%	23.84%

Financial Strength

Current Ratio (MRQ)

Oracle (ORCL) shows current ratio of 1.17; Mastercard (MA) doesn’t get one — Financial Services balance sheets aren’t split into current and non-current buckets, so short-term liquidity there is judged through regulatory measures instead.

MA

Financial Services industry group

MA: --
Max: --
Q3: --
Median: --
Q1: --
Min: --

ORCL

Software & Services industry group

1.17

Max: 5.11
Q3: 2.77
Median: 1.67
ORCL: 1.17
Q1: 1.01
Min: 0.03

Mastercard (MA) vs. Oracle (ORCL): MA’s current ratio is not assessed under the Financial Services industry convention, so the chart shows available visual context for ORCL only.

Debt / Equity (MRQ)

Oracle (ORCL) shows debt-to-equity ratio of 2.52; for Mastercard (MA) the ratio is set aside — in Financial Services, balance-sheet leverage is part of the business model itself, so capital-adequacy measures do the job this ratio does elsewhere.

MA

Financial Services industry group

MA: --
Max: --
Q3: --
Median: --
Q1: --
Min: --

ORCL

Software & Services industry group

2.52

ORCL: 2.52
Max: 2.52
Q3: 1.13
Median: 0.40
Q1: 0.07
Min: 0.00

Mastercard (MA) vs. Oracle (ORCL): MA’s debt-to-equity ratio is not assessed under the Financial Services industry convention, so the chart shows available visual context for ORCL only.

Financial Strength Metrics

Financial strength metrics for Mastercard (MA) and Oracle (ORCL)
Metric	MA	ORCL
Current Ratio (MRQ)	--	1.17
Debt / Equity (MRQ)	--	2.52
Net Debt / EBITDA	--	3.84

Dividends

Dividend Yield (TTM)

Mastercard (MA) at 0.53% pays an industry-typical yield; Oracle (ORCL) at 1.74% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

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%

ORCL

Software & Services industry group

1.74%

ORCL: 1.74%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Mastercard (MA) vs. Oracle (ORCL): A comparison of their dividend yield against their respective Financial Services and Software & Services industry group benchmarks.

Dividend Payout Ratio (TTM)

Mastercard (MA) at 17.63% keeps its payout in the industry’s typical band, while Oracle (ORCL) at 31.35% pays out more than any of its peers — the most stretched cover in its group.

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%

ORCL

Software & Services industry group

31.35%

ORCL: 31.35%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Mastercard (MA) vs. Oracle (ORCL): A comparison of their payout ratio against their respective Financial Services and Software & Services industry group benchmarks.

Dividend Metrics

Dividend metrics for Mastercard (MA) and Oracle (ORCL)
Metric	MA	ORCL
Dividend Yield (TTM)	0.53%	1.74%
Dividend Payout Ratio (TTM)	17.63%	31.35%

Valuation

P/E Ratio (TTM)

Oracle (ORCL) at 18.20 sits in the cheaper P/E ratio quartile, while Mastercard (MA) at 34.15 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

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

ORCL

Software & Services industry group

18.20

Max: 112.94
Q3: 60.32
Median: 32.91
Q1: 18.77
ORCL: 18.20
Min: 6.69

Mastercard (MA) vs. Oracle (ORCL): A comparison of their P/E ratio against their respective Financial Services and Software & Services industry group benchmarks.

P/S Ratio (TTM)

Oracle (ORCL) at 5.04 prices around its industry’s typical P/S ratio, while Mastercard (MA) at 15.67 clears its benchmark range — MA looks notably rich on sales.

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

ORCL

Software & Services industry group

5.04

Max: 17.91
Q3: 8.78
ORCL: 5.04
Median: 4.25
Q1: 2.23
Min: 0.02

Mastercard (MA) vs. Oracle (ORCL): A comparison of their P/S ratio against their respective Financial Services and Software & Services industry group benchmarks.

P/B Ratio (MRQ)

Oracle (ORCL) at 5.68 sits near its industry’s typical P/B ratio, while Mastercard (MA) at 84.30 prices above its benchmark range — MA looks rich relative to book.

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

ORCL

Software & Services industry group

5.68

Max: 16.63
Q3: 8.50
ORCL: 5.68
Median: 4.30
Q1: 1.92
Min: -3.90

Mastercard (MA) vs. Oracle (ORCL): A comparison of their P/B ratio against their respective Financial Services and Software & Services industry group benchmarks.

Valuation Metrics

Valuation metrics for Mastercard (MA) and Oracle (ORCL)
Metric	MA	ORCL
P/E Ratio (TTM)	34.15	18.20
P/S Ratio (TTM)	15.67	5.04
P/B Ratio (MRQ)	84.30	5.68
Free Cash Flow Yield (TTM)	--	-12.67%