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MA vs. PRU: A Head-to-Head Stock Comparison

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Here’s a clear look at MA and PRU, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolMAPRU
Company NameMastercard IncorporatedPrudential Financial, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryFinancial ServicesInsurance
Market Capitalization535.79 billion USD37.70 billion USD
ExchangeNYSENYSE
Listing DateMay 25, 2006December 13, 2001
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of MA and PRU by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

MA vs. PRU: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolMAPRU
5-Day Price Return1.53%0.29%
13-Week Price Return1.07%-0.79%
26-Week Price Return4.66%-4.27%
52-Week Price Return26.92%-7.46%
Month-to-Date Return4.63%3.43%
Year-to-Date Return12.55%-9.62%
10-Day Avg. Volume2.49M1.63M
3-Month Avg. Volume2.71M1.67M
3-Month Volatility21.60%22.10%
Beta0.991.05

Profitability

Return on Equity (TTM)

MA

191.02%

Financial Services Industry

Max
40.58%
Q3
20.06%
Median
10.67%
Q1
4.19%
Min
-10.31%

MA’s Return on Equity of 191.02% is exceptionally high, placing it well beyond the typical range for the Financial Services industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

PRU

5.49%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

PRU’s Return on Equity of 5.49% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

MA vs. PRU: A comparison of their Return on Equity (TTM) against their respective Financial Services and Insurance industry benchmarks.

Net Profit Margin (TTM)

MA

44.93%

Financial Services Industry

Max
52.86%
Q3
25.58%
Median
12.23%
Q1
6.64%
Min
-9.92%

A Net Profit Margin of 44.93% places MA in the upper quartile for the Financial Services industry, signifying strong profitability and more effective cost management than most of its peers.

PRU

2.96%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

Falling into the lower quartile for the Insurance industry, PRU’s Net Profit Margin of 2.96% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

MA vs. PRU: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Insurance industry benchmarks.

Operating Profit Margin (TTM)

MA

55.78%

Financial Services Industry

Max
77.28%
Q3
37.68%
Median
18.17%
Q1
9.27%
Min
-8.19%

An Operating Profit Margin of 55.78% places MA in the upper quartile for the Financial Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

PRU

3.74%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

MA vs. PRU: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and Insurance industry benchmarks.

Profitability at a Glance

SymbolMAPRU
Return on Equity (TTM)191.02%5.49%
Return on Assets (TTM)27.84%0.22%
Net Profit Margin (TTM)44.93%2.96%
Operating Profit Margin (TTM)55.78%3.74%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

MA

1.16

Financial Services Industry

Max
4.58
Q3
2.59
Median
1.33
Q1
0.69
Min
0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

PRU

--

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
Q1
0.15
Min
0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

MA vs. PRU: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

MA

2.42

Financial Services Industry

Max
4.96
Q3
2.10
Median
0.57
Q1
0.12
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

PRU

0.71

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.22
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

MA vs. PRU: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

MA

37.93

Financial Services Industry

Max
136.23
Q3
56.08
Median
6.55
Q1
2.01
Min
-33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

PRU

--

Insurance Industry

Max
43.68
Q3
20.84
Median
9.56
Q1
3.34
Min
-5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

MA vs. PRU: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and Insurance industry benchmarks.

Financial Strength at a Glance

SymbolMAPRU
Current Ratio (MRQ)1.16--
Quick Ratio (MRQ)1.16--
Debt-to-Equity Ratio (MRQ)2.420.71
Interest Coverage Ratio (TTM)37.93--

Growth

Revenue Growth

MA vs. PRU: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

MA vs. PRU: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

MA

0.49%

Financial Services Industry

Max
8.18%
Q3
3.60%
Median
1.56%
Q1
0.00%
Min
0.00%

MA’s Dividend Yield of 0.49% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

PRU

5.07%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

With a Dividend Yield of 5.07%, PRU offers a more attractive income stream than most of its peers in the Insurance industry, signaling a strong commitment to shareholder returns.

MA vs. PRU: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

MA

19.15%

Financial Services Industry

Max
155.56%
Q3
63.71%
Median
18.08%
Q1
0.00%
Min
0.00%

MA’s Dividend Payout Ratio of 19.15% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

PRU

85.37%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

PRU’s Dividend Payout Ratio of 85.37% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

MA vs. PRU: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and Insurance industry benchmarks.

Dividend at a Glance

SymbolMAPRU
Dividend Yield (TTM)0.49%5.07%
Dividend Payout Ratio (TTM)19.15%85.37%

Valuation

Price-to-Earnings Ratio (TTM)

MA

39.22

Financial Services Industry

Max
63.23
Q3
32.10
Median
14.41
Q1
10.81
Min
0.37

A P/E Ratio of 39.22 places MA in the upper quartile for the Financial Services industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

PRU

23.06

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

A P/E Ratio of 23.06 places PRU in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

MA vs. PRU: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

MA

17.62

Financial Services Industry

Max
11.16
Q3
5.45
Median
2.61
Q1
1.25
Min
0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

PRU

0.68

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

In the lower quartile for the Insurance industry, PRU’s P/S Ratio of 0.68 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

MA vs. PRU: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

MA

64.98

Financial Services Industry

Max
7.09
Q3
3.79
Median
1.46
Q1
0.83
Min
0.04

At 64.98, MA’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

PRU

1.24

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

PRU’s P/B Ratio of 1.24 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

MA vs. PRU: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Insurance industry benchmarks.

Valuation at a Glance

SymbolMAPRU
Price-to-Earnings Ratio (TTM)39.2223.06
Price-to-Sales Ratio (TTM)17.620.68
Price-to-Book Ratio (MRQ)64.981.24
Price-to-Free Cash Flow Ratio (TTM)33.588.20