Mastercard Incorporated (MA) vs Oracle Corporation (ORCL)
A side-by-side comparison of Mastercard Incorporated and Oracle Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of July 28, 2026. Differences are shown without an overall score or investment verdict.
Different business models: MA is classified in Financial Services; ORCL is classified in Technology. Margin, capital intensity, and valuation differences should be interpreted in that sector context.
MA
Mastercard Incorporated
$562.75Financial ServicesDelayed quote: Jul 28, 2026, 4:00 PM EDT
ORCL
Oracle Corporation
$119.99TechnologyDelayed quote: Jul 28, 2026, 3:59 PM EDT
Total return — MA vs ORCL
growth of $100 · dividends reinvested · last 20yMA +12644.3%ORCL +990.2%MA compounded faster
Log scale — wide-divergence pair
MA ORCL
MA vs ORCL: by the numbers
- •MA is the larger company ($497.23B vs $345.63B market cap).
- •ORCL trades at the lower trailing earnings multiple (20.57 vs 31.93 P/E), one valuation lens rather than an overall verdict.
- •MA converts more revenue to profit (45.88% vs 25.37% net margin).
- •MA grew revenue faster over the past five years (17.05% vs 10.72% CAGR).
- •ORCL pays the higher dividend yield (1.67% vs 0.59%).
Metrics side by side
Valuation
| Metric | MA | ORCL |
|---|---|---|
| P/E ratio | 31.93 | 20.57 |
| Forward P/E | 28.09 | 16.01 |
| P/S ratio | 14.52 | 5.19 |
| P/B ratio | 73.29 | 8.22 |
| PEG ratio | 1.83 | 1.26 |
| EV / EBITDA | N/A | 16.52 |
Profitability
| Metric | MA | ORCL |
|---|---|---|
| Gross margin | 82.96% | 65.81% |
| Operating margin | 59.40% | 30.85% |
| Net margin | 45.88% | 25.37% |
| ROE | 231.63% | 40.20% |
| ROIC | 48.63% | 7.99% |
Dividends
| Metric | MA | ORCL |
|---|---|---|
| Dividend yield | 0.59% | 1.67% |
| Payout ratio | 19.70% | 33.67% |
Growth (annualized)
| Metric | MA | ORCL |
|---|---|---|
| Revenue CAGR (5Y) | 17.05% | 10.72% |
| EPS CAGR (5Y) | 20.93% | 4.93% |
| FCF CAGR (5Y) | N/A | -13.18% |
| Total return CAGR (5Y) | 8.55% | 7.88% |
Frequently asked
- Which has the lower trailing P/E, MA or ORCL?
- ORCL has the lower trailing P/E: MA trades at 31.93 and ORCL at 20.57. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, MA or ORCL?
- Over the past five years, MA grew revenue faster — MA at a 17.05% CAGR versus ORCL at 10.72%.
- Does MA or ORCL pay a bigger dividend?
- MA yields 0.59% and ORCL yields 1.67% based on trailing dividends and the latest price.
- Is MA or ORCL more profitable?
- MA runs the higher net margin — MA at 45.88% versus ORCL at 25.37%.
- How have MA and ORCL total returns compared?
- Over the past 10 years, MA delivered 20.01% and ORCL delivered 13.02% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Mastercard P/E ratioOracle P/E ratioMastercard dividend yieldOracle dividend yieldMastercard ROEOracle ROEMastercard operating marginOracle operating marginMastercard revenue growthOracle revenue growthMastercard free cash flowOracle free cash flow
Mastercard & Oracle appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified July 28, 2026.