V vs MA vs AXP
161 measures in 16 categories, one definition each, computed from filings and market data.
V73.5
Visa Inc.
Financial Services · Financial - Credit Services
$402.61 +0.72%$751.7B mkt cap
Score DNA
MA77.4
Mastercard Incorporated
Financial Services · Financial - Credit Services
$617.42 +0.17%$540.9B mkt cap
Score DNA
AXP56.0
American Express Company
Financial Services · Financial - Credit Services
$313.59 −0.09%$211.8B mkt cap
Score DNA
Price, rebased to 100 three years ago
V MA AXP · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | V | MA | AXP |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 0 | 0 |
| Insider $ bought, 180d | — | — | — |
| Congress purchases, 180d | 5 | 14 | 5 |
| Last Congress purchase | 2026-09-25 | 2026-06-29 | 2026-09-15 |
| 13F net change in holders | +110 | +9 | +114 |
| ETFs adding shares, 30d | 1,988 | 1,764 | 1,395 |
| ETFs trimming, 30d | 1,432 | 1,442 | 1,289 |
| Net ETF funds, 30d | +556 | +322 | +106 |
Valuation
16 measures| Measure | V | MA | AXP |
|---|---|---|---|
| P/E (TTM) | 33.3x
97th
|
33.3x
94th
|
18.5x
76th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | 2.43
96th
|
1.70
92nd
|
0.98
68th
|
| Price / sales | 16.9x
100th
|
15.4x
98th
|
2.5x
86th
|
| Price / book | 21.4x
98th
|
96.4x
100th
|
6.2x
93rd
|
| Price / tangible book | — | — | 6.7x
92nd
|
| Price / free cash flow | n/a | n/a | n/a |
| Price / operating cash flow | n/a | n/a | n/a |
| Enterprise value | n/a | n/a | n/a |
| EV / sales | n/a | n/a | n/a |
| EV / EBITDA | n/a | n/a | n/a |
| EV / EBIT | n/a | n/a | n/a |
| EV / free cash flow | n/a | n/a | n/a |
| Earnings yield | 3.0%
21st
|
3.0%
24th
|
5.4%
38th
|
| FCF yield | n/a | n/a | n/a |
| Operating cash flow yield | n/a | n/a | n/a |
| Graham number (per share) | $69.18
47th
|
$51.31
35th
|
$138.58
82nd
|
Profitability (TTM)
12 measures| Measure | V | MA | AXP |
|---|---|---|---|
| Gross margin | n/a | n/a | n/a |
| EBITDA margin | n/a | n/a | n/a |
| Operating margin | 60.7%
95th
|
59.9%
93rd
|
27.2%
67th
|
| EBIT margin | 62.4%
100th
|
58.9%
98th
|
27.2%
76th
|
| Net margin | 50.8%
100th
|
46.3%
98th
|
13.6%
62nd
|
| NOPAT margin | 50.9%
93rd
|
48.3%
90th
|
21.1%
62nd
|
| FCF margin | n/a | n/a | n/a |
| Operating cash flow margin | n/a | n/a | n/a |
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 11.6%
31st
|
32.8%
81st
|
29.8%
74th
|
| Stock comp / revenue | 2.1%
79th
|
1.4%
67th
|
0.7%
43rd
|
| Effective tax rate | 16.2%
8th
|
19.4%
20th
|
22.5%
57th
|
Returns on capital
11 measures| Measure | V | MA | AXP |
|---|---|---|---|
| ROE (on average equity) | 61.2%
93rd
|
241.1%
100th
|
34.4%
81st
|
| ROA | 23.2%
95th
|
29.8%
98th
|
3.8%
64th
|
| ROIC | n/a | n/a | n/a |
| ROCE | n/a | n/a | n/a |
| Return on tangible assets | 28.5%
95th
|
37.9%
98th
|
7.6%
67th
|
| Cash ROIC (OCF / invested capital) | n/a | n/a | n/a |
| Gross profitability (GP / assets) | n/a | n/a | n/a |
| ROIC, 3-yr average | n/a | n/a | n/a |
| ROIC, 5-yr average | n/a | n/a | n/a |
| ROE, 5-yr average | 49.7%
94th
|
194.1%
100th
|
31.7%
92nd
|
| Incremental ROIC | n/a | n/a | n/a |
Growth
17 measures| Measure | V | MA | AXP |
|---|---|---|---|
| Revenue growth (TTM YoY) | 14.4%
54th
|
16.0%
59th
|
9.4%
44th
|
| Revenue growth (QoQ) | 3.6%
67th
|
10.5%
86th
|
3.4%
64th
|
| Revenue CAGR, 3 yr | 11.8%
57th
|
14.1%
62nd
|
10.7%
54th
|
| Revenue CAGR, 5 yr | 14.5%
60th
|
16.1%
63rd
|
16.2%
66th
|
| Gross profit CAGR, 3 yr | n/a | n/a | n/a |
| Operating income CAGR, 3 yr | 9.5%
31st
|
17.1%
41st
|
35.3%
78th
|
| Net income growth (TTM YoY) | 11.4%
30th
|
19.7%
48th
|
12.8%
33rd
|
| Net income CAGR, 3 yr | 11.0%
35th
|
16.7%
62nd
|
15.4%
58th
|
| EPS growth (TTM YoY) | 12.9%
26th
|
23.2%
44th
|
16.3%
33rd
|
| EPS CAGR, 3 yr | 13.7%
46th
|
19.5%
62nd
|
18.9%
58th
|
| EPS CAGR, 5 yr | 18.6%
88th
|
20.5%
92nd
|
14.0%
85th
|
| FCF growth (TTM YoY) | n/a | n/a | n/a |
| FCF CAGR, 3 yr | n/a | n/a | n/a |
| Operating cash flow CAGR, 3 yr | n/a | n/a | n/a |
| Book value CAGR, 3 yr | -1.0%
11th
|
3.1%
25th
|
11.9%
64th
|
| Dividend CAGR, 3 yr | 5.9%
65th
|
6.4%
74th
|
7.5%
83rd
|
| Sustainable growth rate | 47.7%
91st
|
197.8%
100th
|
27.1%
76th
|
Margin history & stability
7 measures| Measure | V | MA | AXP |
|---|---|---|---|
| Gross margin, 3-yr average | n/a | n/a | n/a |
| Operating margin, 3-yr average | 62.7%
97th
|
57.3%
95th
|
20.5%
59th
|
| Net margin, 3-yr average | 52.6%
100th
|
45.9%
97th
|
13.5%
59th
|
| FCF margin, 3-yr average | n/a | n/a | n/a |
| Revenue stability (0-1) | 0.99
97th
|
0.99
92nd
|
0.98
82nd
|
| Earnings stability (0-1) | 0.98
97th
|
0.98
95th
|
0.91
74th
|
| Margin stability (0-1) | 0.99
100th
|
0.90
74th
|
0.92
90th
|
Liquidity (latest quarter)
7 measures| Measure | V | MA | AXP |
|---|---|---|---|
| Cash & short-term investments | n/a | n/a | n/a |
| Net cash (− = net debt) | n/a | n/a | n/a |
| Working capital | n/a | n/a | n/a |
| Current ratio | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a |
| Cash ratio (cash + ST investments / current liabilities) | n/a | n/a | n/a |
| Defensive interval (days) | n/a | n/a | n/a |
Leverage & solvency (latest quarter)
13 measures| Measure | V | MA | AXP |
|---|---|---|---|
| Total debt | n/a | n/a | n/a |
| Debt / equity | n/a | n/a | n/a |
| Net debt / equity | n/a | n/a | n/a |
| Debt / assets | n/a | n/a | n/a |
| Debt / capital | n/a | n/a | n/a |
| Debt / EBITDA | n/a | n/a | n/a |
| Net debt / EBITDA | n/a | n/a | n/a |
| Interest coverage (EBIT / interest) | n/a | n/a | n/a |
| Cash interest coverage | n/a | n/a | n/a |
| Debt payback (years of OCF) | n/a | n/a | n/a |
| Liabilities / assets | 62.8%
17th
|
90.3%
83rd
|
88.9%
71st
|
| IS credit model rating | AA+ | AA | AA |
| Implied credit spread (bps) | 65
2nd
|
80
17th
|
80
17th
|
Efficiency
11 measures| Measure | V | MA | AXP |
|---|---|---|---|
| Asset turnover | n/a | n/a | n/a |
| Fixed asset turnover | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a |
| Receivables turnover | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a |
| Days inventory outstanding | n/a | n/a | n/a |
| Days payables outstanding | n/a | n/a | n/a |
| Cash conversion cycle (days) | n/a | n/a | n/a |
| Capex / revenue | n/a | n/a | n/a |
| Capex / depreciation | n/a | n/a | n/a |
| Operating expense ratio | n/a | n/a | n/a |
Cash flow & earnings quality
7 measures| Measure | V | MA | AXP |
|---|---|---|---|
| Operating cash flow / net income | n/a | n/a | n/a |
| FCF / net income | n/a | n/a | n/a |
| FCF / operating cash flow | n/a | n/a | n/a |
| Capex / operating cash flow | n/a | n/a | n/a |
| Accruals ratio | n/a | n/a | n/a |
| Sloan accruals ratio | n/a | n/a | n/a |
| Earnings quality score (0-1) | n/a | n/a | n/a |
Scores & forensic checks
15 measures| Measure | V | MA | AXP |
|---|---|---|---|
| IS score | 73
93rd
|
77
95th
|
56
55th
|
| IS profitability | 100
95th
|
100
95th
|
75
81st
|
| IS growth | 65
62nd
|
89
100th
|
58
41st
|
| IS value | 38
10th
|
44
24th
|
50
31st
|
| IS momentum | 77
51st
|
86
69th
|
83
59th
|
| IS risk (safety) | 100
45th
|
100
45th
|
100
45th
|
| IS quality | 81
95th
|
67
74th
|
80
90th
|
| IS balance sheet | 71
93rd
|
58
81st
|
50
62nd
|
| IS earnings quality | 85
93rd
|
76
81st
|
70
57th
|
| IS cash flow | 76
57th
|
76
64th
|
74
50th
|
| Piotroski F-score (0-9) | 5
19th
|
7
45th
|
9
95th
|
| Altman Z-score | — | — | — |
| Beneish M-score | — | — | — |
| Ohlson O-score | −9.02
5th
|
−7.25
26th
|
−7.37
24th
|
| IS credit score | 92
93rd
|
87
67th
|
89
83rd
|
Size (TTM)
8 measures| Measure | V | MA | AXP |
|---|---|---|---|
| Market cap | $751.7B
100th
|
$540.9B
98th
|
$211.8B
95th
|
| Revenue | $44.5B
95th
|
$35.1B
93rd
|
$84.1B
100th
|
| EBITDA | $29.1B
100th
|
$21.9B
93rd
|
$24.7B
98th
|
| Net income | $22.6B
100th
|
$16.3B
98th
|
$11.4B
95th
|
| Free cash flow | n/a | n/a | n/a |
| Total assets | $94.6B
88th
|
$57.7B
79th
|
$308.2B
95th
|
| Shareholders' equity | $35.2B
95th
|
$5.6B
79th
|
$34.3B
93rd
|
| Employees | 34,100
93rd
|
39,800
95th
|
76,800
98th
|
Price performance
9 measures| Measure | V | MA | AXP |
|---|---|---|---|
| 1 day | +0.7% | +0.2% | −0.1% |
| 1 week | +4.5% | +4.8% | +1.8% |
| 1 month | +8.8% | +9.1% | +0.8% |
| 3 months | +11.7% | +12.8% | −10.9% |
| 6 months | +27.0% | +18.4% | −5.5% |
| Year to date | +16.4% | +9.8% | −15.9% |
| 1 year | +16.7% | +9.7% | −5.2% |
| 3 years, cumulative | +73.7% | +56.2% | +111.7% |
| 5 years, cumulative | +80.5% | +78.0% | +88.3% |
Technicals
4 measures| Measure | V | MA | AXP |
|---|---|---|---|
| RSI 14 | 73.6 | 75.2 | 52.4 |
| From 52-week high | −0.5% | −0.8% | −19.1% |
| From 52-week low | +37.0% | +32.9% | +8.1% |
| Beta | 0.77 | 0.76 | 1.08 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17