FISV vs MA
Fiserv Inc. and Mastercard Inc., side by side — 10 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | FISV | MA |
|---|---|---|
| Revenue | $21.2B | $32.8B |
| Net income | $3.5B | $15.0B |
| Gross margin | · | · |
| Net margin | 16.5% | 45.6% |
| Return on equity | 13.2% | 210.5% |
| Diluted EPS | $6.34 | $16.52 |
| Dividend / share | · | $3.15 |
| Payout ratio | · | 18.4% |
| Free cash flow | $4.3B | $17.2B |
| Equity | $25.8B | $7.7B |
| Net debt / equity | 1.09× | 1.09× |
| Current ratio | 1.03× | 1.03× |
| Revenue CAGR 5y | 7.4% | 16.5% |
| Profit CAGR 5y | 29.4% | 18.5% |
MA bills 1.5× the revenue of FISV, and keeps more of each dollar of revenue as profit (45.6% against 16.5%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner. "·" marks a figure not available in our data.
10 years side by side
| Fiscal year | FISV | MA |
|---|---|---|
| FY2025 | $21.2B | $32.8B |
| FY2024 | $20.5B | $28.2B |
| FY2023 | $19.1B | $25.1B |
| FY2022 | $17.7B | $22.2B |
| FY2021 | $16.2B | $18.9B |
| FY2020 | $14.9B | $15.3B |
| FY2019 | $10.2B | $25.0B |
| FY2018 | $5.8B | $21.8B |
| FY2017 | $5.7B | $12.5B |
| FY2016 | $5.5B | $10.8B |
Bottom line
| Fiscal year | FISV | MA |
|---|---|---|
| FY2025 | $3.5B | $15.0B |
| FY2024 | $3.1B | $12.9B |
| FY2023 | $3.1B | $11.2B |
| FY2022 | $2.5B | $9.9B |
| FY2021 | $1.3B | $8.7B |
| FY2020 | $958.0M | $6.4B |
| FY2019 | $893.0M | $8.1B |
| FY2018 | $1.2B | $5.9B |
| FY2017 | $1.2B | $3.9B |
| FY2016 | $930.0M | $4.1B |
19 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −$11,598,000,000 | MA |
| FY2024 | −$7,711,000,000 | MA |
| FY2023 | −$6,005,000,000 | MA |
| FY2022 | −$4,500,000,000 | MA |
| FY2021 | −$2,658,000,000 | MA |
| FY2020 | −$449,000,000 | MA |
| FY2019 | −$14,793,000,000 | MA |
| FY2018 | −$16,008,000,000 | MA |
| FY2017 | −$6,801,000,000 | MA |
| FY2016 | −$5,271,000,000 | MA |
| FY2015 | −$4,413,000,000 | MA |
| FY2014 | −$4,375,000,000 | MA |
| FY2013 | −$3,532,000,000 | MA |
| FY2012 | −$2,955,000,000 | MA |
| FY2011 | −$2,425,000,000 | MA |
| FY2010 | −$1,406,000,000 | MA |
| FY2009 | −$1,022,000,000 | MA |
| FY2008 | −$405,000,000 | MA |
| FY2007 | −$390,599,000 | MA |
MA has reported the higher revenue in every one of these 19 fiscal years. The gap has widened since the earliest year compared.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
19 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −29.2 pp | MA |
| FY2024 | −30.2 pp | MA |
| FY2023 | −28.2 pp | MA |
| FY2022 | −30.1 pp | MA |
| FY2021 | −37.4 pp | MA |
| FY2020 | −35.3 pp | MA |
| FY2019 | −23.5 pp | MA |
| FY2018 | −6.5 pp | MA |
| FY2017 | −9.5 pp | MA |
| FY2016 | −20.8 pp | MA |
| FY2015 | −25.8 pp | MA |
| FY2014 | −23.4 pp | MA |
| FY2013 | −23.9 pp | MA |
| FY2012 | −23.6 pp | MA |
| FY2011 | −17.4 pp | MA |
| FY2010 | −21.3 pp | MA |
| FY2009 | −17.0 pp | MA |
| FY2008 | +17.5 pp | FISV |
| FY2007 | −14.8 pp | MA |
The higher net margin has changed hands between FISV and MA over this period.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
MA's net margin has been more volatile than FISV's over the 19 comparable fiscal years — 11.4 percentage points of standard deviation against 3.7.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between FISV and MA over these 19 fiscal years — FISV led in 1 and MA in 18.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
MA's return on equity has been more volatile than FISV's over the 18 comparable fiscal years — 59.3 percentage points of standard deviation against 12.7.
18 of 19 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in return on equity changed hands between FISV and MA over these 18 fiscal years — FISV led in 1 and MA in 17.
18 of 19 comparable fiscal years — a year missing data on either side is not counted.