Sifting through countless of stocks in the Financial Services industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Visa Inc. or Mastercard Incorporated because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Visa Inc. and Mastercard Incorporated compare based on key financial metrics to determine which better meets your investment needs.

About Visa Inc. and Mastercard Incorporated

Visa Inc. operates as a payment technology company in the United States and internationally. The company operates VisaNet, a transaction processing network that enables authorization, clearing, and settlement of payment transactions. It also offers credit, debit, and prepaid card products; tap to pay, tokenization, and click to pay services; Visa Direct, a platform which facilitates money movement, enabling clients to collect, hold, convert, and send funds across its network; and issuing solutions, such as airport lounge access, dining reservations, shopping experiences, event tickets, and seller offers. In addition, the company provides acceptance solutions, an omnichannel payment integration with e-commerce platforms; risk detection and prevention solutions; and advisory and other services comprising consulting practice, proprietary analytics models, data scientists and economists, marketing services, and managed services. It provides its services under the Visa, Visa Electron, V PAY, Interlink, and PLUS brands. The company serves consumers, sellers, financial institutions, and government entities. Visa Inc. was founded in 1958 and is headquartered in San Francisco, California.

Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. The company offers products and services for account holders, merchants, financial institutions, digital partners, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid programs services; consumer bill payment services; and commercial credit, debit, and prepaid payment products and solutions. It also provides solutions that enable businesses or governments to make payments to businesses, including Virtual Card Number, which is generated dynamically from an existing account and leverages the credit limit of the funding account; and a platform to optimize supplier payment enablement campaigns for financial institutions. In addition, the company offers Mastercard Move, which partners with digital messaging and payment platforms to enable consumers to send money directly within applications to other consumers; and partners with central banks, fintechs, and financial institutions, as well as enables various cross-border payment flows. Further, it provides security solutions; marketing, personalization, and issuer and merchant loyalty services; business and operational intelligence, advanced analytics and AI, consulting and agentic solutions, and payments and portfolio optimization; digital and authentication; processing and gateway solutions; and other solutions. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus names. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.

Latest Financial Services and Visa Inc., Mastercard Incorporated Stock News

As of September 2, 2026, Visa Inc. had a $694.6 billion market capitalization, compared to the Financial Services median of $2.3 million. Visa Inc.’s stock is up 7.7% in 2026, down 0.5% in the previous five trading days and up 8.09% in the past year.

Currently, Visa Inc.’s price-earnings ratio is 32.2. Visa Inc.’s trailing 12-month revenue is $44.5 billion with a 50.8% net profit margin. Year-over-year quarterly sales growth most recently was 14.4%. Analysts expect adjusted earnings to reach $13.228 per share for the current fiscal year. Visa Inc. currently has a 0.7% dividend yield.

As of September 2, 2026, Mastercard Incorporated had a $515.2 billion market cap, putting it in the 100th percentile of all stocks. Mastercard Incorporated’s stock is up 2.4% in 2026, down 1.2% in the previous five trading days and down 0.63% in the past year.

Currently, Mastercard Incorporated’s price-earnings ratio is 32.3. Mastercard Incorporated’s trailing 12-month revenue is $35.1 billion with a 46.3% net profit margin. Year-over-year quarterly sales growth most recently was 14.1%. Analysts expect adjusted earnings to reach $19.926 per share for the current fiscal year. Mastercard Incorporated currently has a 0.6% dividend yield.

How We Compare Visa Inc. and Mastercard Incorporated Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Visa Inc. and Mastercard Incorporated’s stock grades to see how they measure up against one another.

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Visa Inc. and Mastercard Incorporated Growth Grades

Company	Ticker	Growth
Visa Inc.	V	A
Mastercard Incorporated	MA	A

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Visa Inc. has a Growth Score of 89, which is Very Strong. Mastercard Incorporated has a Growth Score of 89, which is Very Strong.

The Growth Grade Winner: It’s a Tie!

Looking at the Growth Grade breakdown above, both Visa Inc. and Mastercard Incorporated have a grade of A. For investors who focus solely on a company’s upward growth, further research should be conducted into both companies’ other financial metrics before deciding whether to invest.

Visa Inc. and Mastercard Incorporated’s Quality Grades

Company	Ticker	Quality
Visa Inc.	V	A
Mastercard Incorporated	MA	A

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Visa Inc. has a Quality Score of 95, which is Very Strong. Mastercard Incorporated has a Quality Score of 93, which is Very Strong.

The Quality Grade Winner: It’s a Tie!

Looking at the Quality Grade breakdown above, both Visa Inc. and Mastercard Incorporated have a grade of A. For investors who focus solely on a company’s overall quality, you will need to conduct further research into both companies to see if they are a good fit for your portfolio. As a good rule of thumb, you should always analyze multiple factors based on a wide range of metrics before choosing a company to invest in.

Visa Inc. and Mastercard Incorporated’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Visa Inc.	V	B
Mastercard Incorporated	MA	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Visa Inc. has a Earnings Estimate Score of 67, which is Positive. Mastercard Incorporated has a Earnings Estimate Score of 66, which is Positive.

The Earnings Estimate Revisions Grade Winner: It’s a Tie!

Looking at the Earnings Estimate Revisions Grade breakdown above, both Visa Inc. and Mastercard Incorporated have a grade of B. For those focusing solely on a company’s estimate revisions, other financial metrics will need to be evaluated to determine whether Visa Inc. or Mastercard Incorporated is a better fit.

Other Visa Inc. and Mastercard Incorporated Grades

In addition to Growth, Quality and Estimate Revisions, A+ Investor also provides grades for Value and Momentum.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Visa Inc. and Mastercard Incorporated pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Visa Inc. or Mastercard Incorporated Stock?

Overall, Visa Inc. stock has a Growth Score of 89, Estimate Revisions Score of 67 and Quality Score of 95.

Mastercard Incorporated stock has a Growth Score of 89, Estimate Revisions Score of 66 and Quality Score of 93.

Comparing Visa Inc. and Mastercard Incorporated’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.