Mastercard Incorporated (MA) vs Clear Secure, Inc. (YOU)
A side-by-side comparison of Mastercard Incorporated and Clear Secure, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of September 11, 2026. Differences are shown without an overall score or investment verdict.
Different business models: MA is classified in Financial Services; YOU is classified in Technology. Margin, capital intensity, and valuation differences should be interpreted in that sector context.
MA
Mastercard Incorporated
$569.19Financial ServicesDelayed quote: Sep 11, 2026, 4:00 PM EDT
YOU
Clear Secure, Inc.
$42.23TechnologyDelayed quote: Sep 11, 2026, 4:00 PM EDT
Total return — MA vs YOU
growth of $100 · dividends reinvested · last 5yMA +64.3% (+10.4%/yr)YOU +21.8% (+4.0%/yr)MA compounded faster over this window
MA YOU
MA vs YOU: by the numbers
- •MA is the larger company ($499.20B vs $4.25B market cap).
- •YOU trades at the lower trailing earnings multiple (28.53 vs 31.31 P/E), one valuation lens rather than an overall verdict.
- •MA converts more revenue to profit (46.34% vs 14.78% net margin).
- •YOU grew revenue faster over the past five years (35.98% vs 16.09% CAGR).
- •YOU pays the higher dividend yield (1.74% vs 0.60%).
Metrics side by side
Valuation
| Metric | MA | YOU |
|---|---|---|
| P/E ratio | 31.31 | 28.53 |
| Forward P/E | 28.52 | 23.08 |
| P/S ratio | 14.23 | 4.25 |
| P/B ratio | 88.97 | 20.60 |
| EV / EBITDA | N/A | 14.78 |
| FCF yield | N/A | 11.97% |
Profitability
| Metric | MA | YOU |
|---|---|---|
| Gross margin | 100.00% | 90.02% |
| Operating margin | 59.84% | 25.13% |
| Net margin | 46.34% | 14.78% |
| ROE | 289.73% | 71.70% |
| ROIC | N/A | 33.31% |
Dividends
| Metric | MA | YOU |
|---|---|---|
| Dividend yield | 0.60% | 1.74% |
| Payout ratio | 18.54% | 50.68% |
Growth (annualized)
| Metric | MA | YOU |
|---|---|---|
| Revenue CAGR (5Y) | 16.09% | 35.98% |
| EPS CAGR (5Y) | 20.93% | N/A |
| FCF CAGR (5Y) | N/A | 120.90% |
| Total return CAGR (5Y) | 10.88% | 1.42% |
Frequently asked
- Which has the lower trailing P/E, MA or YOU?
- YOU has the lower trailing P/E: MA trades at 31.31 and YOU at 28.53. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, MA or YOU?
- Over the past five years, YOU grew revenue faster — MA at a 16.09% CAGR versus YOU at 35.98%.
- Does MA or YOU pay a bigger dividend?
- MA yields 0.60% and YOU yields 1.74% based on trailing dividends and the latest price.
- Is MA or YOU more profitable?
- MA runs the higher net margin — MA at 46.34% versus YOU at 14.78%.
- How have MA and YOU total returns compared?
- Over the past 5 years, MA delivered 10.88% and YOU delivered 1.42% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Mastercard P/E ratioClear Secure P/E ratioMastercard dividend yieldClear Secure dividend yieldMastercard ROEClear Secure ROEMastercard operating marginClear Secure operating marginMastercard revenue growthClear Secure revenue growthClear Secure free cash flow
Mastercard & Clear Secure 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 September 11, 2026.