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

SLM Corporation

NASDAQ
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Mastercard Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: SLM Corporation wins in 9 metrics, Mastercard Inc. wins in 10 metrics, with 0 ties. Mastercard Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric SLM Corporation Mastercard Inc. Better
P/E Ratio (TTM) 6.59 30.95 SLM Corporation
Price-to-Book Ratio 2.06 59.09 SLM Corporation
Debt-to-Equity Ratio 240.19 256.04 SLM Corporation
PEG Ratio 0.05 1.27 SLM Corporation
EV/EBITDA N/A 22.63 N/A
Profit Margin (TTM) 45.10% 45.65% Mastercard Inc.
Operating Margin (TTM) 66.82% 57.73% SLM Corporation
EBITDA Margin (TTM) 66.82% 57.73% SLM Corporation
Return on Equity 32.31% 209.92% Mastercard Inc.
Return on Assets (TTM) 2.49% 23.72% Mastercard Inc.
Free Cash Flow (TTM) $-398.58M $16.43B Mastercard Inc.
Dividend Yield 2.35% 0.55% SLM Corporation
1-Year Return -31.67% -15.65% Mastercard Inc.
Price-to-Sales Ratio (TTM) 2.73 13.92 SLM Corporation
Enterprise Value $6.36B $464.97B Mastercard Inc.
EV/Revenue Ratio 3.85 14.18 SLM Corporation
Gross Profit Margin (TTM) N/A 79.35% N/A
Revenue per Share (TTM) $8 $36 Mastercard Inc.
Earnings per Share (Diluted) $3.46 $16.52 Mastercard Inc.
Beta (Stock Volatility) 1.06 0.83 Mastercard Inc.
Short % of Float 13.52% 0.70% Mastercard Inc.

SLM Corporation vs Mastercard Inc. Stock Performance Analysis

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SLM
MA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
SLM Corporation-1.95%-0.14%-2.04%16.30%-25.96%-19.55%
Mastercard Inc.-1.28%-3.08%-5.33%-8.28%-12.47%-15.15%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
SLM Corporation-31.67%36.12%11.04%213.76%280.07%14.20%
Mastercard Inc.-15.65%32.18%34.96%414.40%1,682.68%10,410.21%

Performance & Financial Health Analysis: SLM Corporation vs Mastercard Inc.

MetricSLMMA
Market Information
Market Cap i$4.64B$448.34B
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i3,147,4653,152,477
90 Day Avg. Volume i3,531,9753,291,506
Last Close$21.62$471.55
52 Week Range$17.77 - $34.97$464.52 - $601.77
% from 52W High-38.18%-21.64%
All-Time High$34.97 (Jul 08, 2025)$601.77 (Aug 22, 2025)
% from All-Time High-38.18%-21.64%
Growth Metrics
Quarterly Revenue Growth0.68%0.18%
Quarterly Earnings Growth1.09%0.22%
Financial Health
Profit Margin (TTM) i0.45%0.46%
Operating Margin (TTM) i0.67%0.58%
Return on Equity (TTM) i0.32%2.10%
Debt to Equity (MRQ) i240.19256.04
Cash & Liquidity
Book Value per Share (MRQ)$11.04$8.65
Cash per Share (MRQ)$21.65$12.22
Operating Cash Flow (TTM) i$-398,580,992$17.65B
Levered Free Cash Flow (TTM) i$729.12M$16.27B
Dividends
Last 12-Month Dividend Yield i2.35%0.55%
Last 12-Month Dividend i$0.65$3.15

Valuation & Enterprise Metrics Analysis: SLM Corporation vs Mastercard Inc.

MetricSLM (Apr 24, 2026)MA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i6.5930.95
Forward P/E i6.9922.56
PEG Ratio i0.051.27
Price to Sales (TTM) i2.7313.92
Price to Book (MRQ) i2.0659.09
Market Capitalization
Market Capitalization i$4.64B$448.34B
Enterprise Value i$6.36B$464.97B
Enterprise Value Metrics
Enterprise to Revenue i3.8514.18
Enterprise to EBITDA iN/A22.63
Risk & Other Metrics
Beta i1.060.83
Book Value per Share (MRQ) i$11.04$8.65

Financial Statements Comparison: SLM Corporation vs Mastercard Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSLM (2025)MA (2025)
Revenue/Sales i1.98B32.79B
Cost of Goods Sold iN/A7.25B
COGS % of Revenue i0.0%22.1%
Gross Profit iN/A25.54B
Gross Margin i0.0%77.9%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A19.51B
Operating Margin i0.0%59.5%
EBITDA iN/A20.82B
EBITDA Margin i0.0%63.5%
Pre-Tax Income i992.56M18.58B
Pre-Tax Income % of Revenue i50.0%56.7%
Income Tax i247.72M3.61B
Income Tax % of Revenue i12.5%11.0%
Net Income (Profit) i744.85M14.97B
Profit Margin i37.5%45.6%

Balance Sheet & Liquidity Metrics

MetricSLM (2025)MA (2025)
Cash & Equivalents i4.24B10.57B
Total Current Assets iN/A23.56B
Total Current Assets % of Revenue i0.0%71.8%
Total Current Liabilities iN/A22.76B
Total Current Liabilities % of Revenue i0.0%69.4%
Long-Term Debt i5.36B18.25B
Long-Term Debt % of Revenue i270.2%55.7%
Total Shareholders Equity i2.45B7.75B
Retained Earnings i4.73B85.04B
Retained Earnings % of Revenue i238.6%259.3%
Property, Plant & Equipment iN/A3.71B

Cash Flow Statement Comparison

MetricSLM (2025)MA (2025)
Operating Cash Flow i-420.80M19.44B
Operating Cash Flow % of Revenue i-21.2%59.3%
Capital Expenditures iN/A-489.00M
Free Cash Flow i-398.58M16.43B
FCF Margin i-20.1%50.1%
Debt Repayment i-2.32B-750.00M
Common Stock Repurchase i-368.74M-11.73B

Short Interest & Institutional Ownership Analysis

MetricSLMMA
Shares Short i22.61M6.24M
Short Ratio i5.511.83
Short % of Float i13.52%0.70%
Shares Outstanding i199.27M894.04M
Float Shares i196.09M883.99M
% Held by Insiders i1.23%0.55%
% Held by Institutions i109.08%90.43%
% Held by Public i-10.31%9.02%

Dividend Analysis & Yield Comparison: SLM Corporation vs Mastercard Inc.

MetricSLMMA
Last 12-Month Dividend i$0.65$3.15
Last 12-Month Dividend Yield i2.35%0.55%
3-Year Avg Annual Dividend i$0.52$2.75
3-Year Avg Dividend Yield i0.55%0.14%
3-Year Total Dividends i$1.55$8.26
Ex-Dividend DateMar 05, 2026Jan 09, 2026