MA vs. XYZ: Mastercard vs. Block Stock Comparison

November 11, 2026

How do Mastercard (MA) and Block (XYZ) 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 Block (XYZ) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.

Company profile comparison for Mastercard (MA) and Block (XYZ)
Profile Item	MA	XYZ
Name	Mastercard Inc. Class A Common Stock	Block Inc. Class A Common Stock
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Financial Services	Financial Services
GICS Sub-Industry	Transaction & Payment Processing Services	Transaction & Payment Processing Services
Market Capitalization	568.62 billion USD	51.67 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	May 25, 2006	November 19, 2015
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

XYZ

GSPC

Mastercard (MA) vs. Block (XYZ), 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 Block (XYZ). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Mastercard (MA) and Block (XYZ)
Metric	MA	XYZ
Total Return (1Y)	20.00%	35.34%
Total Return (3Y, Annualized)	19.98%	20.17%
Total Return (5Y, Annualized)	14.49%	-17.43%

Risk Profile

Drawdown History

XYZ

GSPC

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

Risk Metrics

Block (XYZ) carries a highly aggressive beta of 2.48, indicating much higher sensitivity to broad-market moves, whereas Mastercard (MA) is closer to market-like at 0.76 — a noticeable difference in market-sensitivity profile.

Risk profile metrics for Mastercard (MA) and Block (XYZ)
Metric	MA	XYZ
Volatility (1Y, Annualized)	23.57%	48.01%
Beta (5Y)	0.76	2.48
Max Drawdown (5Y)	-28.25%	-83.55%
Avg. Volume (3M)	2.98M	4.73M

Risk-Adjusted Performance

Risk-Return Positioning

MA and XYZ are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Mastercard (MA) and Block (XYZ)
Metric	MA	XYZ
Sharpe Ratio (1Y)	0.67	0.65
Sortino Ratio (1Y)	1.00	1.03

Profitability

ROE (TTM)

Mastercard (MA) at 231.37% delivers above-range ROE, while Block (XYZ) at 2.02% falls into the bottom quartile — a wide split in profit generated from equity.

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%

XYZ

Financial Services industry group

2.02%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
XYZ: 2.02%
Min: -18.71%

Mastercard (MA) vs. Block (XYZ): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Mastercard (MA) at 46.73% keeps a top-quartile share of each sales dollar as profit, while Block (XYZ) at 1.80% keeps a bottom-quartile 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%

XYZ

Financial Services industry group

1.80%

Max: 62.84%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
XYZ: 1.80%
Min: -28.52%

Mastercard (MA) vs. Block (XYZ): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Mastercard (MA) at 60.53% carries a top-quartile operating margin, while Block (XYZ) at 6.65% operates in the bottom quartile.

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%

XYZ

Financial Services industry group

6.65%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
XYZ: 6.65%
Min: -44.34%

Mastercard (MA) vs. Block (XYZ): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Mastercard (MA) and Block (XYZ)
Metric	MA	XYZ
ROE (TTM)	231.37%	2.02%
ROA (TTM)	24.45%	1.94%
Net Margin (TTM)	46.73%	1.80%
Operating Margin (TTM)	60.53%	6.65%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Mastercard (MA) at 16.42% is around its peer norm for revenue growth, while Block (XYZ) at 0.30% drops into the bottom quartile, signaling weaker demand or pricing momentum.

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

EPS Growth

Mastercard (MA) at 18.93% is around its peer norm for EPS growth, while Block (XYZ) at -53.95% drops into the bottom quartile, signaling weaker earnings momentum.

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

Growth Metrics

Growth metrics for Mastercard (MA) and Block (XYZ)
Metric	MA	XYZ
Revenue Growth (YoY)	16.42%	0.30%
Revenue Growth (3Y CAGR)	13.82%	11.33%
EPS Growth (YoY)	18.93%	-53.95%
EPS Growth (3Y CAGR)	17.36%	--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Mastercard (MA) in Financial Services and Block (XYZ) 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 Block (XYZ) 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

Financial strength metrics for Mastercard (MA) and Block (XYZ)
Metric	MA	XYZ
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Block (XYZ) 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%

XYZ

Financial Services industry group

0.00%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
XYZ: 0.00%
Q1: 0.00%
Min: 0.00%

Mastercard (MA) vs. Block (XYZ): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Block (XYZ) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Mastercard (MA) reports a payout of 17.63%, ranking against industry peers normally.

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%

XYZ

Financial Services industry group

0.00%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
XYZ: 0.00%
Q1: 0.00%
Min: 0.00%

Mastercard (MA) vs. Block (XYZ): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Mastercard (MA) and Block (XYZ)
Metric	MA	XYZ
Dividend Yield (TTM)	0.53%	0.00%
Dividend Payout Ratio (TTM)	17.63%	0.00%

Valuation

P/E Ratio (TTM)

Both look expensive on trailing earnings: Mastercard (MA) at 34.15 sits in the richer P/E ratio quartile, and Block (XYZ) at 112.47 is richer still, above its industry range.

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

XYZ

Financial Services industry group

112.47

XYZ: 112.47
Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

Mastercard (MA) vs. Block (XYZ): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Block (XYZ) at 2.01 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

XYZ

Financial Services industry group

2.01

Max: 9.23
Q3: 4.57
Median: 2.72
XYZ: 2.01
Q1: 1.28
Min: -0.55

Mastercard (MA) vs. Block (XYZ): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Block (XYZ) at 2.26 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

XYZ

Financial Services industry group

2.26

Max: 7.79
Q3: 3.63
XYZ: 2.26
Median: 1.57
Q1: 0.81
Min: -0.39

Mastercard (MA) vs. Block (XYZ): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Mastercard (MA) and Block (XYZ)
Metric	MA	XYZ
P/E Ratio (TTM)	34.15	112.47
P/S Ratio (TTM)	15.67	2.01
P/B Ratio (MRQ)	84.30	2.26
Free Cash Flow Yield (TTM)	--	--