MA vs. XOM: Mastercard vs. ExxonMobil Stock Comparison

November 11, 2026

How do Mastercard (MA) and ExxonMobil (XOM) 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 ExxonMobil (XOM) belongs to Energy (Energy) — their GICS classifications point to very different parts of the market.

Company profile comparison for Mastercard (MA) and ExxonMobil (XOM)
Profile Item	MA	XOM
Name	Mastercard Inc. Class A Common Stock	ExxonMobil Holdings Corporation
Country/Region	United States	United States
GICS Sector	Financials	Energy
GICS Industry Group	Financial Services	Energy
GICS Industry	Financial Services	Oil, Gas & Consumable Fuels
GICS Sub-Industry	Transaction & Payment Processing Services	Integrated Oil & Gas
Market Capitalization	568.62 billion USD	676.62 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

XOM

GSPC

Mastercard (MA) vs. ExxonMobil (XOM), 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 ExxonMobil (XOM). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Mastercard (MA) and ExxonMobil (XOM). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Mastercard (MA) and ExxonMobil (XOM)
Metric	MA	XOM
Total Return (1Y)	20.00%	44.48%
Total Return (3Y, Annualized)	19.98%	20.83%
Total Return (5Y, Annualized)	14.49%	24.20%

Risk Profile

Drawdown History

XOM

GSPC

Mastercard (MA) vs. ExxonMobil (XOM), 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 ExxonMobil (XOM). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Mastercard (MA) and ExxonMobil (XOM)
Metric	MA	XOM
Volatility (1Y, Annualized)	23.57%	27.17%
Beta (5Y)	0.76	0.19
Max Drawdown (5Y)	-28.25%	-20.51%
Avg. Volume (3M)	2.98M	13.57M

Risk-Adjusted Performance

Risk-Return Positioning

MA and XOM 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 ExxonMobil (XOM)
Metric	MA	XOM
Sharpe Ratio (1Y)	0.67	1.48
Sortino Ratio (1Y)	1.00	2.17

Profitability

ROE (TTM)

Mastercard (MA) at 231.37% clears its industry range for ROE, a sharper capital-efficiency signal than ExxonMobil (XOM) at 15.53%, 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%

XOM

Energy industry group

15.53%

Max: 53.85%
Q3: 24.79%
XOM: 15.53%
Median: 12.85%
Q1: 2.03%
Min: -29.09%

Mastercard (MA) vs. ExxonMobil (XOM): A comparison of their ROE against their respective Financial Services and Energy industry group benchmarks.

Net Margin (TTM)

Mastercard (MA) at 46.73% retains a top-quartile share of revenue as profit, ahead of ExxonMobil (XOM) at 10.46%, 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%

XOM

Energy industry group

10.46%

Max: 56.92%
Q3: 22.92%
XOM: 10.46%
Median: 10.10%
Q1: 0.07%
Min: -27.38%

Mastercard (MA) vs. ExxonMobil (XOM): A comparison of their net margin against their respective Financial Services and Energy industry group benchmarks.

Operating Margin (TTM)

Mastercard (MA) at 60.53% operates in the top operating margin quartile, ahead of ExxonMobil (XOM) at 16.98%, 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%

XOM

Energy industry group

16.98%

Max: 71.31%
Q3: 33.75%
Median: 18.73%
XOM: 16.98%
Q1: 6.94%
Min: -24.52%

Mastercard (MA) vs. ExxonMobil (XOM): A comparison of their operating margin against their respective Financial Services and Energy industry group benchmarks.

Profitability Metrics

Profitability metrics for Mastercard (MA) and ExxonMobil (XOM)
Metric	MA	XOM
ROE (TTM)	231.37%	15.53%
ROA (TTM)	24.45%	6.75%
Net Margin (TTM)	46.73%	10.46%
Operating Margin (TTM)	60.53%	16.98%
Gross Margin (TTM)	--	29.81%

Growth

Revenue Growth

Both Mastercard (MA) at 16.42% and ExxonMobil (XOM) at -4.52% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Mastercard (MA) vs. ExxonMobil (XOM): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Mastercard (MA) at 18.93% and ExxonMobil (XOM) at -14.54% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Mastercard (MA) vs. ExxonMobil (XOM): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Mastercard (MA) and ExxonMobil (XOM)
Metric	MA	XOM
Revenue Growth (YoY)	16.42%	-4.52%
Revenue Growth (3Y CAGR)	13.82%	-6.69%
EPS Growth (YoY)	18.93%	-14.54%
EPS Growth (3Y CAGR)	17.36%	-20.35%

Financial Strength

Current Ratio (MRQ)

ExxonMobil (XOM) shows current ratio of 1.19; 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: --

XOM

Energy industry group

1.19

Max: 3.64
Q3: 2.21
Median: 1.41
XOM: 1.19
Q1: 0.88
Min: 0.24

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

Debt / Equity (MRQ)

ExxonMobil (XOM) shows debt-to-equity ratio of 0.13; 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: --

XOM

Energy industry group

0.13

Max: 1.75
Q3: 0.93
Median: 0.54
Q1: 0.30
XOM: 0.13
Min: 0.00

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

Financial Strength Metrics

Financial strength metrics for Mastercard (MA) and ExxonMobil (XOM)
Metric	MA	XOM
Current Ratio (MRQ)	--	1.19
Debt / Equity (MRQ)	--	0.13
Net Debt / EBITDA	--	0.28

Dividends

Dividend Yield (TTM)

Both Mastercard (MA) at 0.53% and ExxonMobil (XOM) at 2.49% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

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%

XOM

Energy industry group

2.49%

Max: 8.57%
Q3: 3.58%
XOM: 2.49%
Median: 1.71%
Q1: 0.00%
Min: 0.00%

Mastercard (MA) vs. ExxonMobil (XOM): A comparison of their dividend yield against their respective Financial Services and Energy industry group benchmarks.

Dividend Payout Ratio (TTM)

Both Mastercard (MA) at 17.63% and ExxonMobil (XOM) at 42.39% 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%

XOM

Energy industry group

42.39%

Max: 133.24%
Q3: 53.31%
XOM: 42.39%
Median: 25.24%
Q1: 0.00%
Min: 0.00%

Mastercard (MA) vs. ExxonMobil (XOM): A comparison of their payout ratio against their respective Financial Services and Energy industry group benchmarks.

Dividend Metrics

Dividend metrics for Mastercard (MA) and ExxonMobil (XOM)
Metric	MA	XOM
Dividend Yield (TTM)	0.53%	2.49%
Dividend Payout Ratio (TTM)	17.63%	42.39%

Valuation

P/E Ratio (TTM)

ExxonMobil (XOM) at 17.06 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

XOM

Energy industry group

17.06

Max: 39.54
Q3: 21.72
XOM: 17.06
Median: 12.19
Q1: 7.71
Min: 2.99

Mastercard (MA) vs. ExxonMobil (XOM): A comparison of their P/E ratio against their respective Financial Services and Energy industry group benchmarks.

P/S Ratio (TTM)

ExxonMobil (XOM) at 1.74 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

XOM

Energy industry group

1.74

Max: 5.40
Q3: 2.85
XOM: 1.74
Median: 1.69
Q1: 0.88
Min: 0.00

Mastercard (MA) vs. ExxonMobil (XOM): A comparison of their P/S ratio against their respective Financial Services and Energy industry group benchmarks.

P/B Ratio (MRQ)

Both look rich against book: ExxonMobil (XOM) at 2.55 sits in the upper P/B ratio quartile, and Mastercard (MA) at 84.30 prices even higher, above its industry range.

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

XOM

Energy industry group

2.55

Max: 4.21
XOM: 2.55
Q3: 2.38
Median: 1.51
Q1: 1.08
Min: 0.01

Mastercard (MA) vs. ExxonMobil (XOM): A comparison of their P/B ratio against their respective Financial Services and Energy industry group benchmarks.

Valuation Metrics

Valuation metrics for Mastercard (MA) and ExxonMobil (XOM)
Metric	MA	XOM
P/E Ratio (TTM)	34.15	17.06
P/S Ratio (TTM)	15.67	1.74
P/B Ratio (MRQ)	84.30	2.55
Free Cash Flow Yield (TTM)	--	4.19%