Mastercard vs PayPal
MA and PYPL side by side, both in miscellaneous business services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How MA and PYPL compare
Mastercard is the larger company, worth 12 times as much as PayPal ($576B against $49.4B).
Mastercard grew revenue faster over the last twelve months (15.3% versus 4.4% for PayPal).
Both pay dividends: Mastercard yields 0.53% and PayPal 0.94%.
PayPal scores higher on the StockData Score (18 against 12 for Mastercard), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | MA | PYPL |
|---|---|---|
| Size and price | ||
| Market cap | $576B | $49.4B |
| Share price | $660.73 | $59.48 |
| Change, 1 year | 19.5% | −10.2% |
| Change, 5 years | 94.5% | −69.3% |
| Beta (5Y) | 0.87 | 1.37 |
| Employees | 40K | 24K |
| StockData Score | ||
| Total score | 12 | 18 (better) |
| Valuation score | 1 | 5 (better) |
| Growth score | 3 (better) | 1 |
| Performance score | 1 | 6 (better) |
| Health score | 4 (better) | 3 |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | – | 11.4× |
| P/S | 15.9× | 1.4× (better) |
| P/B | 85.2× | 2.5× (better) |
| EV/EBITDA | 26.2× | 7.7× (better) |
| P/FCF | 35.8× | 7.8× (better) |
| PEG | – | 0.30 |
| FCF yield | 2.8% | 12.7% (better) |
| Fair value | $144.23 | $97.83 |
| Margin of safety | −358% | 39.2% (better) |
| Growth | ||
| Revenue growth (TTM) | 15.3% (better) | 4.4% |
| Revenue growth, 5Y average | 16.5% (better) | 9.1% |
| Net income growth (TTM) | – | −3.9% |
| EPS growth (TTM) | – | 5.0% |
| EPS growth, 5Y average | 21.0% (better) | 8.9% |
| Profitability | ||
| Operating margin | 58.6% (better) | 17.0% |
| Net margin | – | 13.8% |
| FCF margin | 44.3% (better) | 18.4% |
| Return on equity | – | 23.8% |
| Return on invested capital | 99.7% (better) | 21.2% |
| Financial health | ||
| Debt / equity | 3.54 | 0.69 (better) |
| Net debt / EBITDA | 0.61 | 0.47 (better) |
| Interest coverage | 26.2× (better) | 12.0× |
| Current ratio | 1.01 | 1.26 (better) |
| Altman Z-score | 10.86 (better) | 1.93 |
| Piotroski F-score | – | 8 |
| Dividends and buybacks | ||
| Dividend yield | 0.53% | 0.94% (better) |
| Payout ratio | – | 10.6% |
| Years of dividend growth | 3 (better) | 0 |
| Buyback yield | 2.7% | 12.3% (better) |
| Shareholder yield | 3.2% | 13.2% (better) |
| Ownership | ||
| Held by institutions | 88.7% | 78.6% |
| Held by insiders | 0.06% | 0.12% |
| Insider net buying, 12 months | −$75.3M | −$5.6M (better) |
| Superinvestors holding | 15 (better) | 6 |
| Short interest, % of float | 0.82% | 3.4% |
Go deeper
- MA stock overview
- MA income statement
- MA valuation and score
- PYPL stock overview
- PYPL income statement
- PYPL valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.