| Metric | V | MA |
|---|---|---|
| Fiscal year (latest 10-K) | FY2025 | FY2025 |
| Revenue | $40.0B | $32.8B |
| Net income | $20.1B | $14.9B |
| Operating margin | 60.0% | 57.6% |
| Net margin | 50.1% | 45.6% |
| Revenue growth (YoY) | +11.3% | +16.4% |
| 3-year revenue CAGR | +10.9% | +13.8% |
| Diluted EPS growth | n/a | +18.9% |
| Return on equity | 53% | 193% |
| Return on assets | 20.1% | 27.6% |
| Market cap (delayed) | $643.9B | $485.2B |
| P/E ratio | 32.1 | 32.5 |
| Price / sales | 16.1 | 14.8 |
| Dividend yield | 0.65% | 0.57% |
| Cash | $25.0B | $13.2B |
| Long-term debt | $19.6B | $18.3B |
| Debt to equity | 0.52 | 2.36 |
| Current ratio | 1.08 | 1.03 |
| Investor Score | 71/100 | 70/100 |
Stock compare · SEC 10-K data · delayed price October 2, 2026
V vs MA: is Visa or Mastercard the better stock?
V scores higher on fundamentals: Visa (V) earns 71/100 on WealthyBud’s Investor Score versus 70/100 for Mastercard (MA). Visa reported $40.0B revenue at a 50.1% net margin (FY2025), growing +11.3%; Mastercard reported $32.8B at 45.6%, growing +16.4% (FY2025). At delayed prices, V trades at 32.1× earnings and MA at 32.5×. Research, not investment advice.
How do V and MA compare at a glance?
The table puts Visa and Mastercard side by side on 19 figures from each company's latest SEC 10-K, plus market cap, P/E, P/S and yield at a delayed share price. The stronger figure in each row is bold; for P/E, P/S and debt, lower counts as stronger.
Visa's fiscal year ends September 30 and Mastercard's ends December 31, so the latest 10-K for each covers a different 12 months. Visa reports earnings per share by share class, so its EPS growth shows as n/a. Mastercard's return on equity above 100% reflects net income that is larger than its shareholders' equity.
Not shown: gross margin. Neither company reports those lines in the SEC data WealthyBud uses.
Which is more profitable, Visa or Mastercard?
Visa is the more profitable business on margins: a 60.0% operating margin and 50.1% net margin in FY2025, versus 57.6% and 45.6% for Mastercard in FY2025. Mastercard posts the higher return on equity, 193% against 53%, because its shareholders' equity is far smaller ($7.7B vs $37.9B).
Which company is growing faster?
Visa grew revenue +11.3% in its latest fiscal year and +10.9% a year over three years. Mastercard grew +16.4% and +13.8% a year over the same span. Diluted EPS rose n/a at V and +18.9% at MA.
| Fiscal year (V / MA) | V | MA |
|---|---|---|
| FY2025 / FY2025 | $40.0B | $32.8B |
| FY2024 / FY2024 | $35.9B | $28.2B |
| FY2023 / FY2023 | $32.7B | $25.1B |
| FY2022 / FY2022 | $29.3B | $22.2B |
| FY2021 / FY2021 | $24.1B | $18.9B |
Is V or MA cheaper to buy?
At delayed prices as of October 2, 2026, V trades at 32.1 times earnings and 16.1 times sales with a $643.9B market cap; MA trades at 32.5 times earnings and 14.8 times sales at $485.2B. Dividend yields are 0.65% and 0.57%.
Which has the stronger balance sheet?
Visa ended FY2025 with $25.0B in cash, $19.6B of long-term debt and a 0.52 debt-to-equity ratio. Mastercard had $13.2B in cash, $18.3B of long-term debt and a 2.36 ratio. Current ratios are 1.08 and 1.03.
How do V and MA score on the Investor Score?
V scores 71/100 (#9 of 103) and MA scores 70/100 (#12 of 103) on WealthyBud's Investor Score as of October 2, 2026. Subscores for V: growth 70, profitability 98, returns on capital 90, balance-sheet strength 52, value (valuation) 24. For MA: growth 75, profitability 98, returns on capital 98, balance-sheet strength 26, value (valuation) 24. Percentile ranks, not advice.
- Visa ranks #9 of 103 covered companies; see the full V fundamentals page.
- Mastercard ranks #12 of 103; see the full MA fundamentals page.
- Both sit in the Financials sector; compare the group in our financial stock statistics.
V vs MA FAQ
Is V or MA the better stock?
On WealthyBud's fundamentals-based Investor Score, V scores 71/100 and MA scores 70/100 as of October 2, 2026. V leads on margins and debt to equity in the latest 10-Ks; MA leads on latest-year revenue growth and return on equity. The score is research, not a buy or sell call.
Which company makes more revenue, Visa or Mastercard?
Visa reported $40.0B and Mastercard $32.8B in revenue in their latest 10-Ks.
Which is cheaper, V or MA?
By price to earnings, V trades at 32.1 and MA at 32.5 using delayed prices as of October 2, 2026, so V is cheaper on earnings. On price to sales they are close: 16.1 versus 14.8.
Which pays a higher dividend, V or MA?
V declared $2.36 per share in FY2025, a 0.65% yield at the delayed price; MA declared $3.15, a 0.57% yield. Both yields are low next to dividend-focused stocks.
Which has more debt, Visa or Mastercard?
Mastercard carries $18.3B of long-term debt against $7.7B of equity (debt to equity 2.36); Visa carries $19.6B against $37.9B (debt to equity 0.52), per their latest 10-Ks.
Do V and MA report on the same fiscal year?
Visa's fiscal year ends September 30 and Mastercard's ends December 31, so the latest 10-K for each covers a different 12 months. Visa reports earnings per share by share class, so its EPS growth shows as n/a. Mastercard's return on equity above 100% reflects net income that is larger than its shareholders' equity. Figures on this page use each company's own latest annual report.
Fundamentals from each company's latest Form 10-K (SEC EDGAR). Valuation uses a delayed price. The Investor Score is a data-derived research opinion. Not investment advice.
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Visa (V)
Investor Score 71/100
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