MA vs. PG: Mastercard vs. Procter & Gamble Stock Comparison

November 11, 2026

How do Mastercard (MA) and Procter & Gamble (PG) 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 Procter & Gamble (PG) belongs to Consumer Staples (Household & Personal Products) — their GICS classifications point to very different parts of the market.

Company profile comparison for Mastercard (MA) and Procter & Gamble (PG)
Profile Item	MA	PG
Name	Mastercard Inc. Class A Common Stock	The Procter & Gamble Company
Country/Region	United States	United States
GICS Sector	Financials	Consumer Staples
GICS Industry Group	Financial Services	Household & Personal Products
GICS Industry	Financial Services	Household Products
GICS Sub-Industry	Transaction & Payment Processing Services	Household Products
Market Capitalization	568.62 billion USD	383.36 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	May 25, 2006	January 2, 1962
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

GSPC

Mastercard (MA) vs. Procter & Gamble (PG), 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 Mastercard (MA) and Procter & Gamble (PG). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Mastercard (MA) and Procter & Gamble (PG). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Mastercard (MA) and Procter & Gamble (PG)
Metric	MA	PG
Total Return (1Y)	20.00%	17.45%
Total Return (3Y, Annualized)	19.98%	6.50%
Total Return (5Y, Annualized)	14.49%	5.59%

Risk Profile

Drawdown History

GSPC

Mastercard (MA) vs. Procter & Gamble (PG), 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 Mastercard (MA) and Procter & Gamble (PG). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Mastercard (MA) and Procter & Gamble (PG)
Metric	MA	PG
Volatility (1Y, Annualized)	23.57%	21.15%
Beta (5Y)	0.76	0.35
Max Drawdown (5Y)	-28.25%	-23.77%
Avg. Volume (3M)	2.98M	9.19M

Risk-Adjusted Performance

Risk-Return Positioning

MA and PG 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 Procter & Gamble (PG)
Metric	MA	PG
Sharpe Ratio (1Y)	0.67	0.62
Sortino Ratio (1Y)	1.00	0.96

Profitability

ROE (TTM)

Mastercard (MA) at 231.37% clears its industry range for ROE, a sharper capital-efficiency signal than Procter & Gamble (PG) at 29.61%, which is closer to a typical peer reading.

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%

PG

Household & Personal Products industry group

29.61%

Max: 42.18%
Q3: 31.87%
PG: 29.61%
Median: 17.80%
Q1: 9.28%
Min: -14.64%

Mastercard (MA) vs. Procter & Gamble (PG): A comparison of their ROE against their respective Financial Services and Household & Personal Products industry group benchmarks.

Net Margin (TTM)

For every dollar of sales, both Mastercard (MA) at 46.73% and Procter & Gamble (PG) at 18.23% 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%

PG

Household & Personal Products industry group

18.23%

Max: 23.47%
PG: 18.23%
Q3: 12.19%
Median: 8.50%
Q1: 3.08%
Min: -9.74%

Mastercard (MA) vs. Procter & Gamble (PG): A comparison of their net margin against their respective Financial Services and Household & Personal Products industry group benchmarks.

Operating Margin (TTM)

Procter & Gamble (PG) at 26.87% shows unusually strong operating efficiency — above its industry’s operating margin range — and Mastercard (MA) at 60.53% also operates in the top quartile.

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%

PG

Household & Personal Products industry group

26.87%

PG: 26.87%
Max: 23.94%
Q3: 17.03%
Median: 13.15%
Q1: 10.58%
Min: 1.87%

Mastercard (MA) vs. Procter & Gamble (PG): A comparison of their operating margin against their respective Financial Services and Household & Personal Products industry group benchmarks.

Profitability Metrics

Profitability metrics for Mastercard (MA) and Procter & Gamble (PG)
Metric	MA	PG
ROE (TTM)	231.37%	29.61%
ROA (TTM)	24.45%	10.49%
Net Margin (TTM)	46.73%	18.23%
Operating Margin (TTM)	60.53%	26.87%
Gross Margin (TTM)	--	50.59%

Growth

Revenue Growth

Procter & Gamble (PG) at 3.26% sits in the top revenue growth quartile, while Mastercard (MA) at 16.42% is closer to the peer norm — faster top-line expansion for PG.

Mastercard (MA) vs. Procter & Gamble (PG): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Mastercard (MA) at 18.93% and Procter & Gamble (PG) at 1.69% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Mastercard (MA) vs. Procter & Gamble (PG): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Mastercard (MA) and Procter & Gamble (PG)
Metric	MA	PG
Revenue Growth (YoY)	16.42%	3.26%
Revenue Growth (3Y CAGR)	13.82%	2.00%
EPS Growth (YoY)	18.93%	1.69%
EPS Growth (3Y CAGR)	17.36%	3.91%

Financial Strength

Current Ratio (MRQ)

Procter & Gamble (PG) shows current ratio of 0.72; 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: --

PG

Household & Personal Products industry group

0.72

Max: 4.26
Q3: 2.82
Median: 1.84
Q1: 0.92
PG: 0.72
Min: 0.65

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

Debt / Equity (MRQ)

Procter & Gamble (PG) shows debt-to-equity ratio of 0.70; 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: --

PG

Household & Personal Products industry group

0.70

Max: 2.30
Q3: 2.12
Median: 0.81
PG: 0.70
Q1: 0.50
Min: 0.01

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

Financial Strength Metrics

Financial strength metrics for Mastercard (MA) and Procter & Gamble (PG)
Metric	MA	PG
Current Ratio (MRQ)	--	0.72
Debt / Equity (MRQ)	--	0.70
Net Debt / EBITDA	--	0.94

Dividends

Dividend Yield (TTM)

Procter & Gamble (PG) at 2.57% delivers top-quartile income for its industry, while Mastercard (MA) at 0.53% pays a more typical yield — both are credible income propositions, PG the richer one.

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%

PG

Household & Personal Products industry group

2.57%

Max: 5.00%
PG: 2.57%
Q3: 2.47%
Median: 1.30%
Q1: 0.00%
Min: 0.00%

Mastercard (MA) vs. Procter & Gamble (PG): A comparison of their dividend yield against their respective Financial Services and Household & Personal Products industry group benchmarks.

Dividend Payout Ratio (TTM)

Both Mastercard (MA) at 17.63% and Procter & Gamble (PG) at 64.62% 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

17.63%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
MA: 17.63%
Q1: 0.00%
Min: 0.00%

PG

Household & Personal Products industry group

64.62%

Max: 140.00%
Q3: 73.75%
PG: 64.62%
Median: 46.43%
Q1: 0.00%
Min: 0.00%

Mastercard (MA) vs. Procter & Gamble (PG): A comparison of their payout ratio against their respective Financial Services and Household & Personal Products industry group benchmarks.

Dividend Metrics

Dividend metrics for Mastercard (MA) and Procter & Gamble (PG)
Metric	MA	PG
Dividend Yield (TTM)	0.53%	2.57%
Dividend Payout Ratio (TTM)	17.63%	64.62%

Valuation

P/E Ratio (TTM)

Procter & Gamble (PG) at 24.91 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.

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

PG

Household & Personal Products industry group

24.91

Max: 37.57
Q3: 33.54
PG: 24.91
Median: 20.03
Q1: 15.76
Min: 6.45

Mastercard (MA) vs. Procter & Gamble (PG): A comparison of their P/E ratio against their respective Financial Services and Household & Personal Products industry group benchmarks.

P/S Ratio (TTM)

Both look expensive on sales: Procter & Gamble (PG) at 4.36 sits in the upper P/S ratio quartile, and Mastercard (MA) at 15.67 prices even higher, above its industry range.

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

PG

Household & Personal Products industry group

4.36

PG: 4.36
Max: 4.36
Q3: 3.57
Median: 1.68
Q1: 0.76
Min: 0.30

Mastercard (MA) vs. Procter & Gamble (PG): A comparison of their P/S ratio against their respective Financial Services and Household & Personal Products industry group benchmarks.

P/B Ratio (MRQ)

Procter & Gamble (PG) at 7.05 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

PG

Household & Personal Products industry group

7.05

Max: 12.30
Q3: 7.43
PG: 7.05
Median: 3.44
Q1: 1.30
Min: -3.91

Mastercard (MA) vs. Procter & Gamble (PG): A comparison of their P/B ratio against their respective Financial Services and Household & Personal Products industry group benchmarks.

Valuation Metrics

Valuation metrics for Mastercard (MA) and Procter & Gamble (PG)
Metric	MA	PG
P/E Ratio (TTM)	34.15	24.91
P/S Ratio (TTM)	15.67	4.36
P/B Ratio (MRQ)	84.30	7.05
Free Cash Flow Yield (TTM)	--	3.30%