MA vs. RJF: Mastercard vs. Raymond James Financial Stock Comparison
How do Mastercard (MA) and Raymond James Financial (RJF) 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 Raymond James Financial (RJF) both fall under the Financial Services industry group, but MA is classified in Financial Services while RJF is classified in Capital Markets.
| Profile Item | MA | RJF |
|---|---|---|
| Name | Mastercard Inc. Class A Common Stock | Raymond James Financial, Inc. |
| 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 | 568.62 billion USD | 31.28 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | May 25, 2006 | July 1, 1983 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | MA | RJF |
|---|---|---|
| Total Return (1Y) | 20.00% | 3.99% |
| Total Return (3Y, Annualized) | 19.98% | 20.73% |
| Total Return (5Y, Annualized) | 14.49% | 12.47% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | MA | RJF |
|---|---|---|
| Volatility (1Y, Annualized) | 23.57% | 25.94% |
| Beta (5Y) | 0.76 | 0.91 |
| Max Drawdown (5Y) | -28.25% | -32.11% |
| Avg. Volume (3M) | 2.98M | 1.20M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | MA | RJF |
|---|---|---|
| Sharpe Ratio (1Y) | 0.67 | -0.01 |
| Sortino Ratio (1Y) | 1.00 | -0.02 |
Profitability
ROE (TTM)
Mastercard (MA) at 231.37% clears its industry range for ROE, a sharper capital-efficiency signal than Raymond James Financial (RJF) at 18.73%, 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%
RJF
Financial Services industry group
18.73%
- Max
- 44.78%
- Q3
- 21.85%
- RJF
- 18.73%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Mastercard (MA) at 46.73% retains a top-quartile share of revenue as profit, ahead of Raymond James Financial (RJF) at 14.97%, which keeps about the industry-typical share.
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%
RJF
Financial Services industry group
14.97%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- RJF
- 14.97%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Mastercard (MA) at 60.53% operates in the top operating margin quartile, ahead of Raymond James Financial (RJF) at 20.88%, which runs around its industry’s norm.
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%
RJF
Financial Services industry group
20.88%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- RJF
- 20.88%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | MA | RJF |
|---|---|---|
| ROE (TTM) | 231.37% | 18.73% |
| ROA (TTM) | 24.45% | -- |
| Net Margin (TTM) | 46.73% | 14.97% |
| Operating Margin (TTM) | 60.53% | 20.88% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Only one side can be read here: Mastercard (MA) reports revenue growth of 16.42%, ranked against its industry; Raymond James Financial (RJF) has no revenue growth figure this period.
EPS Growth
Both Mastercard (MA) at 18.93% and Raymond James Financial (RJF) at 15.63% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | MA | RJF |
|---|---|---|
| Revenue Growth (YoY) | 16.42% | -- |
| Revenue Growth (3Y CAGR) | 13.82% | -- |
| EPS Growth (YoY) | 18.93% | 15.63% |
| EPS Growth (3Y CAGR) | 17.36% | 14.33% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Mastercard (MA) in Financial Services and Raymond James Financial (RJF) 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 Raymond James Financial (RJF) 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 | RJF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Raymond James Financial (RJF) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Mastercard (MA) reports a yield of 0.53%, ranking against industry peers normally.
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%
RJF
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- RJF
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Mastercard (MA) at 17.63% and Raymond James Financial (RJF) at 18.48% 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%
RJF
Financial Services industry group
18.48%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- RJF
- 18.48%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | MA | RJF |
|---|---|---|
| Dividend Yield (TTM) | 0.53% | 0.00% |
| Dividend Payout Ratio (TTM) | 17.63% | 18.48% |
Valuation
P/E Ratio (TTM)
Raymond James Financial (RJF) at 13.67 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
RJF
Financial Services industry group
13.67
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- RJF
- 13.67
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Raymond James Financial (RJF) at 1.98 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
RJF
Financial Services industry group
1.98
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- RJF
- 1.98
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Raymond James Financial (RJF) at 2.46 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
RJF
Financial Services industry group
2.46
- Max
- 7.79
- Q3
- 3.63
- RJF
- 2.46
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | MA | RJF |
|---|---|---|
| P/E Ratio (TTM) | 34.15 | 13.67 |
| P/S Ratio (TTM) | 15.67 | 1.98 |
| P/B Ratio (MRQ) | 84.30 | 2.46 |
| Free Cash Flow Yield (TTM) | -- | -- |