MA vs JPM

For growth investors, Mastercard Incorporated (MA) is the stronger pick with 16.

4% revenue growth year-over-year, versus 14. 6% for JPMorgan Chase & Co. (JPM). JPMorgan Chase & Co. (JPM) offers the better valuation at 15. 7x trailing P/E (13. 9x forward), making it the more compelling value choice. Analysts rate Mastercard Incorporated (MA) a "Buy" — based on 64 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, JPMorgan Chase & Co.

(JPM) is the cheapest at 15. 7x versus Mastercard Incorporated at 30. 1x. On forward P/E, JPMorgan Chase & Co. is actually cheaper at 13. 9x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: JPMorgan Chase & Co. wins at 1. 07x versus Mastercard Incorporated's 1. 21x — a reasonable growth-adjusted valuation.

Over the past 5 years, JPMorgan Chase & Co.

(JPM) delivered a total return of +111. 1%, compared to +38. 1% for Mastercard Incorporated (MA). Over 10 years, the gap is even starker: JPM returned +466. 1% versus MA's +436. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Mastercard Incorporated (MA) is the lower-risk stock at 0.

67β versus JPMorgan Chase & Co. 's 1. 00β — meaning JPM is approximately 50% more volatile than MA relative to the S&P 500. On balance sheet safety, JPMorgan Chase & Co. (JPM) carries a lower debt/equity ratio of 2% versus 2% for Mastercard Incorporated — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Mastercard Incorporated (MA) is pulling ahead at 16.

4% versus 14. 6% for JPMorgan Chase & Co. (JPM). On earnings-per-share growth, the picture is similar: JPMorgan Chase & Co. grew EPS 21. 7% year-over-year, compared to 18. 9% for Mastercard Incorporated. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Mastercard Incorporated (MA) is the more profitable company, earning 45.

6% net margin versus 21. 6% for JPMorgan Chase & Co. — meaning it keeps 45. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MA leads at 59. 2% versus 27. 7% for JPM. At the gross margin level — before operating expenses — MA leads at 83. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, JPMorgan Chase & Co. (JPM) is the more undervalued stock at a PEG of 1. 07x versus Mastercard Incorporated's 1. 21x. A PEG below 1. 5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, JPMorgan Chase & Co. (JPM) trades at 13. 9x forward P/E versus 25. 4x for Mastercard Incorporated — 11. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for MA: 32. 1% to $656. 87.

All stocks in this comparison pay dividends.

JPMorgan Chase & Co. (JPM) offers the highest yield at 1. 7%, versus 0. 6% for Mastercard Incorporated (MA).

For long-horizon retirement investors, Mastercard Incorporated (MA) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

67), 0. 6% yield, +436. 1% 10Y return). Both have compounded well over 10 years (MA: +436. 1%, JPM: +466. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: MA is a large-cap high-growth stock; JPM is a large-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.