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

Updated on October 2, 2025

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

Company Profile

Symbol	MA	TD
Company Name	Mastercard Incorporated	The Toronto-Dominion Bank
Country	United States	Canada
GICS Sector	Financials	Financials
GICS Industry	Financial Services	Banks
Market Capitalization	514.83 billion USD	137.33 billion USD
Exchange	NYSE	NYSE
Listing Date	May 25, 2006	August 30, 1996
Security Type	Common Stock	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	MA	TD
5-Day Price Return	0.00%	2.48%
13-Week Price Return	1.22%	11.90%
26-Week Price Return	3.60%	27.42%
52-Week Price Return	15.23%	30.12%
Month-to-Date Return	-4.45%	7.91%
Year-to-Date Return	8.02%	45.41%
10-Day Avg. Volume	3.21M	5.31M
3-Month Avg. Volume	2.75M	6.04M
3-Month Volatility	15.98%	14.28%
Beta	0.94	0.59

Profitability

Return on Equity (TTM)

MA

191.02%

Financial Services Industry

Max: 39.28%
Q3: 18.88%
Median: 9.97%
Q1: 4.03%
Min: -10.25%

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.

TD

17.21%

Banks Industry

Max: 25.40%
Q3: 15.55%
Median: 12.00%
Q1: 8.98%
Min: -0.10%

In the upper quartile for the Banks industry, TD’s Return on Equity of 17.21% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

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

Net Profit Margin (TTM)

MA

44.93%

Financial Services Industry

Max: 52.16%
Q3: 25.35%
Median: 12.68%
Q1: 6.11%
Min: -11.69%

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.

TD

25.63%

Banks Industry

Max: 54.20%
Q3: 35.73%
Median: 28.97%
Q1: 22.56%
Min: 6.98%

TD’s Net Profit Margin of 25.63% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

MA

55.78%

Financial Services Industry

Max: 75.57%
Q3: 37.78%
Median: 19.09%
Q1: 10.04%
Min: -19.42%

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.

TD

32.88%

Banks Industry

Max: 63.35%
Q3: 44.73%
Median: 37.24%
Q1: 28.25%
Min: 12.28%

TD’s Operating Profit Margin of 32.88% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

Symbol	MA	TD
Return on Equity (TTM)	191.02%	17.21%
Return on Assets (TTM)	27.84%	1.01%
Net Profit Margin (TTM)	44.93%	25.63%
Operating Profit Margin (TTM)	55.78%	32.88%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

MA

1.16

Financial Services Industry

Max: 4.83
Q3: 2.70
Median: 1.44
Q1: 0.86
Min: 0.01

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

TD

Banks Industry

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

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

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

Debt-to-Equity Ratio (MRQ)

MA

2.42

Financial Services Industry

Max: 5.07
Q3: 2.14
Median: 0.66
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.

TD

2.11

Banks Industry

Max: 5.78
Q3: 2.66
Median: 1.05
Q1: 0.40
Min: 0.00

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

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

TD

Banks Industry

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

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

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

Financial Strength at a Glance

Symbol	MA	TD
Current Ratio (MRQ)	1.16	--
Quick Ratio (MRQ)	1.16	--
Debt-to-Equity Ratio (MRQ)	2.42	2.11
Interest Coverage Ratio (TTM)	37.93	--

Growth

Revenue Growth

MA vs. TD: 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. TD: 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

0.50%

Financial Services Industry

Max: 8.12%
Q3: 3.37%
Median: 1.70%
Q1: 0.00%
Min: 0.00%

MA’s Dividend Yield of 0.50% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

TD

3.97%

Banks Industry

Max: 11.03%
Q3: 6.00%
Median: 3.87%
Q1: 2.41%
Min: 0.00%

TD’s Dividend Yield of 3.97% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

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

Dividend Payout Ratio (TTM)

MA

19.15%

Financial Services Industry

Max: 132.10%
Q3: 64.32%
Median: 18.23%
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.

TD

36.07%

Banks Industry

Max: 134.24%
Q3: 79.39%
Median: 55.09%
Q1: 36.09%
Min: 0.00%

TD’s Dividend Payout Ratio of 36.07% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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

Dividend at a Glance

Symbol	MA	TD
Dividend Yield (TTM)	0.50%	3.97%
Dividend Payout Ratio (TTM)	19.15%	36.07%

Valuation

Price-to-Earnings Ratio (TTM)

MA

37.94

Financial Services Industry

Max: 45.81
Q3: 30.21
Median: 16.29
Q1: 10.14
Min: 0.70

A P/E Ratio of 37.94 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.

TD

9.09

Banks Industry

Max: 22.69
Q3: 13.75
Median: 10.32
Q1: 7.73
Min: 2.59

TD’s P/E Ratio of 9.09 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

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

Price-to-Sales Ratio (TTM)

MA

17.05

Financial Services Industry

Max: 10.88
Q3: 5.34
Median: 2.64
Q1: 1.24
Min: 0.06

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

TD

2.85

Banks Industry

Max: 4.90
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

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

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

Price-to-Book Ratio (MRQ)

MA

64.98

Financial Services Industry

Max: 7.93
Q3: 3.78
Median: 1.49
Q1: 0.88
Min: 0.08

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.

TD

1.38

Banks Industry

Max: 2.09
Q3: 1.40
Median: 1.11
Q1: 0.86
Min: 0.29

TD’s P/B Ratio of 1.38 is within the conventional range for the Banks 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. TD: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Banks industry benchmarks.

Valuation at a Glance

Symbol	MA	TD
Price-to-Earnings Ratio (TTM)	37.94	9.09
Price-to-Sales Ratio (TTM)	17.05	2.85
Price-to-Book Ratio (MRQ)	64.98	1.38
Price-to-Free Cash Flow Ratio (TTM)	32.49	2.10