SLM [SLM] vs Mastercard [MA] Detailed Stock Comparison

SLM

NASDAQ
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Mastercard

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: SLM wins in 7 metrics, Mastercard wins in 11 metrics, with 0 ties. Mastercard appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricSLMMastercardBetter
P/E Ratio (TTM)13.3739.11SLM
Price-to-Book Ratio2.7066.96SLM
Debt-to-Equity Ratio269.94240.92Mastercard
PEG Ratio-0.192.41SLM
EV/EBITDAN/A28.46N/A
Profit Margin (TTM)36.64%44.93%Mastercard
Operating Margin (TTM)34.38%59.92%Mastercard
EBITDA Margin (TTM)34.38%59.92%Mastercard
Return on Equity18.99%176.95%Mastercard
Return on Assets (TTM)1.51%23.68%Mastercard
Free Cash Flow (TTM)$-329.40M$13.59BMastercard
Dividend Yield1.92%0.53%SLM
1-Year Return21.05%16.63%SLM
Price-to-Sales Ratio (TTM)4.7617.35SLM
Enterprise Value$8.26B$534.36BMastercard
EV/Revenue Ratio6.8517.67SLM
Gross Profit Margin (TTM)N/A77.23%N/A
Revenue per Share (TTM)$6$33Mastercard
Earnings per Share (Diluted)$2.06$14.84Mastercard
Beta (Stock Volatility)1.120.97Mastercard
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

SLM vs Mastercard Stock Performance Analysis

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SLM
Mastercard
SLM Stock Overview | Mastercard Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
SLM-1.56%-1.29%-10.75%-18.66%0.66%0.73%
Mastercard-0.28%2.71%-2.16%1.97%9.41%11.11%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
SLM21.05%77.86%214.50%289.67%583.62%47.48%
Mastercard16.63%96.78%64.72%505.77%2,507.59%12,827.62%

News Based Sentiment: SLM vs Mastercard

SLM

News based Sentiment: MIXED

October was a month of conflicting signals for SLM, with an earnings miss offset by a revenue beat, a strategic shift towards higher-quality loans, and a generally positive analyst outlook tempered by insider selling and a declining stock price. The company is navigating a challenging environment, making it a cautiously optimistic investment.

View SLM News Sentiment Analysis

Mastercard

News based Sentiment: POSITIVE

Mastercard delivered strong Q2 earnings, launched new initiatives in advertising and digital identity, and expanded support for small businesses. These developments, combined with positive stock performance, indicate a positive trajectory for the company, though valuation remains a consideration.

View Mastercard News Sentiment Analysis

Performance & Financial Health Analysis: SLM vs Mastercard

MetricSLMMA
Market Information
Market Cap i$5.85B$524.73B
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i3,219,7102,763,400
90 Day Avg. Volume i2,976,9102,666,430
Last Close$27.12$578.81
52 Week Range$21.10 - $34.97$465.59 - $601.77
% from 52W High-22.45%-3.82%
All-Time High$34.97 (Jul 08, 2025)$601.77 (Aug 22, 2025)
% from All-Time High-22.45%-3.82%
Growth Metrics
Quarterly Revenue Growth-0.49%0.17%
Quarterly Earnings Growth-0.72%0.14%
Financial Health
Profit Margin (TTM) i0.37%0.45%
Operating Margin (TTM) i0.34%0.60%
Return on Equity (TTM) i0.19%1.77%
Debt to Equity (MRQ) i269.94240.92
Cash & Liquidity
Book Value per Share (MRQ)$10.19$8.67
Cash per Share (MRQ)$19.87$10.36
Operating Cash Flow (TTM) i$-393,662,016$16.95B
Levered Free Cash Flow (TTM) i$590.03M$15.46B
Dividends
Last 12-Month Dividend Yield i1.92%0.53%
Last 12-Month Dividend i$0.63$2.84

Valuation & Enterprise Metrics Analysis: SLM vs Mastercard

MetricSLMMA
Price Ratios
P/E Ratio (TTM) i13.3739.11
Forward P/E i9.1835.44
PEG Ratio i-0.192.41
Price to Sales (TTM) i4.7617.35
Price to Book (MRQ) i2.7066.96
Market Capitalization
Market Capitalization i$5.85B$524.73B
Enterprise Value i$8.26B$534.36B
Enterprise Value Metrics
Enterprise to Revenue i6.8517.67
Enterprise to EBITDA iN/A28.46
Risk & Other Metrics
Beta i1.120.97
Book Value per Share (MRQ) i$10.19$8.67

Financial Statements Comparison: SLM vs Mastercard

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)SLMMA
Revenue/Sales i$403.60M$7.25B
Cost of Goods Sold iN/A$1.69B
Gross Profit iN/A$5.56B
Research & Development iN/AN/A
Operating Income (EBIT) iN/A$4.30B
EBITDA iN/A$4.58B
Pre-Tax Income i$87.63M$4.03B
Income Tax i$16.36M$751.00M
Net Income (Profit) i$71.27M$3.28B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)SLMMA
Cash & Equivalents i$3.70B$7.58B
Total Current Assets iN/A$19.80B
Total Current Liabilities iN/A$17.83B
Long-Term Debt i$6.15B$18.80B
Total Shareholders Equity i$2.40B$6.70B
Retained Earnings i$4.39B$75.50B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)SLMMA
Operating Cash Flow i$16.04M$4.47B
Capital Expenditures iN/A$-159.00M
Free Cash Flow i$-146.05M$2.02B
Debt Repayment i$-788.84M$-750.00M
Common Stock Repurchase i$-29.70M$-2.55B

Short Interest & Institutional Ownership Analysis

MetricSLMMA
Shares Short i14.28M5.88M
Short Ratio i5.582.55
Short % of Float i0.08%0.01%
Average Daily Volume (10 Day) i3,219,7102,763,400
Average Daily Volume (90 Day) i2,976,9102,666,430
Shares Outstanding i210.38M913.40M
Float Shares i206.28M896.00M
% Held by Insiders i0.01%0.01%
% Held by Institutions i1.11%0.90%

Dividend Analysis & Yield Comparison: SLM vs Mastercard

MetricSLMMA
Last 12-Month Dividend i$0.63$2.84
Last 12-Month Dividend Yield i1.92%0.53%
3-Year Avg Annual Dividend i$0.50$2.09
3-Year Avg Dividend Yield i0.58%0.15%
3-Year Total Dividends i$1.51$6.28
Ex-Dividend DateSep 04, 2025Apr 09, 2025