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

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

Company Profile

SymbolMASPOT
Company NameMastercard IncorporatedSpotify Technology S.A.
CountryUnited StatesLuxembourg
GICS SectorFinancialsCommunication Services
GICS IndustryFinancial ServicesEntertainment
Market Capitalization536.27 billion USD142.97 billion USD
ExchangeNYSENYSE
Listing DateMay 25, 2006April 3, 2018
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of MA and SPOT 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. SPOT: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolMASPOT
5-Day Price Return1.32%-3.41%
13-Week Price Return4.05%9.12%
26-Week Price Return4.35%8.10%
52-Week Price Return26.53%103.04%
Month-to-Date Return4.72%10.89%
Year-to-Date Return12.66%55.30%
10-Day Avg. Volume2.36M1.54M
3-Month Avg. Volume2.68M2.19M
3-Month Volatility21.33%44.45%
Beta0.991.69

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.

SPOT

14.00%

Entertainment Industry

Max
42.50%
Q3
22.75%
Median
12.88%
Q1
7.15%
Min
-6.84%

SPOT’s Return on Equity of 14.00% is on par with the norm for the Entertainment industry, indicating its profitability relative to shareholder equity is typical for the sector.

MA vs. SPOT: A comparison of their Return on Equity (TTM) against their respective Financial Services and Entertainment 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.

SPOT

4.85%

Entertainment Industry

Max
45.25%
Q3
23.93%
Median
14.60%
Q1
4.89%
Min
-22.94%

Falling into the lower quartile for the Entertainment industry, SPOT’s Net Profit Margin of 4.85% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

MA vs. SPOT: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Entertainment 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.

SPOT

11.11%

Entertainment Industry

Max
46.83%
Q3
28.87%
Median
15.26%
Q1
8.95%
Min
-5.53%

SPOT’s Operating Profit Margin of 11.11% is around the midpoint for the Entertainment industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolMASPOT
Return on Equity (TTM)191.02%14.00%
Return on Assets (TTM)27.84%6.62%
Net Profit Margin (TTM)44.93%4.85%
Operating Profit Margin (TTM)55.78%11.11%
Gross Profit Margin (TTM)--31.63%

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.

SPOT

1.47

Entertainment Industry

Max
6.80
Q3
3.77
Median
1.87
Q1
0.86
Min
0.39

SPOT’s Current Ratio of 1.47 aligns with the median group of the Entertainment industry, indicating that its short-term liquidity is in line with its sector peers.

MA vs. SPOT: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Entertainment 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.

SPOT

0.36

Entertainment Industry

Max
1.65
Q3
0.71
Median
0.14
Q1
0.04
Min
0.00

SPOT’s Debt-to-Equity Ratio of 0.36 is typical for the Entertainment industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

MA vs. SPOT: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Entertainment 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.

SPOT

38.25

Entertainment Industry

Max
62.11
Q3
31.19
Median
7.50
Q1
2.02
Min
-6.33

SPOT’s Interest Coverage Ratio of 38.25 is in the upper quartile for the Entertainment industry, signifying a strong and healthy capacity to meet its interest payments from operating profits.

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

Financial Strength at a Glance

SymbolMASPOT
Current Ratio (MRQ)1.161.47
Quick Ratio (MRQ)1.161.46
Debt-to-Equity Ratio (MRQ)2.420.36
Interest Coverage Ratio (TTM)37.9338.25

Growth

Revenue Growth

MA vs. SPOT: 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. SPOT: 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.

SPOT

0.00%

Entertainment Industry

Max
2.54%
Q3
1.29%
Median
0.61%
Q1
0.00%
Min
0.00%

SPOT currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

MA vs. SPOT: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Entertainment 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.

SPOT

0.00%

Entertainment Industry

Max
82.30%
Q3
45.76%
Median
29.16%
Q1
0.00%
Min
0.00%

SPOT has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

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

Dividend at a Glance

SymbolMASPOT
Dividend Yield (TTM)0.49%0.00%
Dividend Payout Ratio (TTM)19.15%0.00%

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.

SPOT

151.28

Entertainment Industry

Max
53.51
Q3
45.31
Median
33.16
Q1
18.21
Min
3.89

At 151.28, SPOT’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Entertainment industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

MA vs. SPOT: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Entertainment 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.

SPOT

7.34

Entertainment Industry

Max
12.81
Q3
7.20
Median
4.68
Q1
3.32
Min
0.79

SPOT’s P/S Ratio of 7.34 is in the upper echelon for the Entertainment industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

MA vs. SPOT: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Entertainment 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.

SPOT

20.34

Entertainment Industry

Max
17.11
Q3
8.38
Median
5.24
Q1
2.18
Min
0.67

At 20.34, SPOT’s P/B Ratio is at an extreme premium to the Entertainment 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.

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

Valuation at a Glance

SymbolMASPOT
Price-to-Earnings Ratio (TTM)39.22151.28
Price-to-Sales Ratio (TTM)17.627.34
Price-to-Book Ratio (MRQ)64.9820.34
Price-to-Free Cash Flow Ratio (TTM)33.5843.24