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Fiserv vs Mastercard: revenue, profit, margins and growth compared

Fiserv brought in $21.2B of revenue in fiscal 2025, Mastercard $32.8B in fiscal 2025. Revenue changed by +3.6% at Fiserv and +16.4% at Mastercard on the year before, so Mastercard grew faster. Fiserv kept 16.4% of its revenue as net profit, Mastercard 45.6%. Free cash flow was $4.3B at Fiserv and $17.2B at Mastercard.

Side by side, latest fiscal year

FISVMA
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$21.2B$32.8B
Revenue growth+3.6%+16.4%
Net income$3.5B$15B
Net margin16.4%45.6%
Free cash flow$4.3B$17.2B
Free cash flow margin20.3%52.3%
Earnings per share (diluted)$6.34$16.52
Cash$798M$10.6B
Debt$29B$19B
Price to earnings7.334.4
Market value$24.7B$497.3B
Dividend yieldn/a0.55%
Rank by revenue in sector#56 of 778 · Consumer discretionary#31 of 778 · Consumer discretionary

Over the years

Revenue
FISV FY2018: $5.8BFISV FY2019: $10.2BFISV FY2020: $14.9BFISV FY2021: $16.2BFISV FY2022: $17.7BFISV FY2023: $19.1BFISV FY2024: $20.5BFISV FY2025: $21.2BMA FY2018: $21.8BMA FY2019: $25BMA FY2020: $23.6BMA FY2021: $29.8BMA FY2022: $22.2BMA FY2023: $25.1BMA FY2024: $28.2BMA FY2025: $32.8BFY18FY19FY20FY21FY22FY23FY24FY25
FISV $21.2BMA $32.8B
Net income
FISV FY2018: $1.2BFISV FY2019: $893MFISV FY2020: $958MFISV FY2021: $1.3BFISV FY2022: $2.5BFISV FY2023: $3.1BFISV FY2024: $3.1BFISV FY2025: $3.5BMA FY2018: $5.9BMA FY2019: $8.1BMA FY2020: $6.4BMA FY2021: $8.7BMA FY2022: $9.9BMA FY2023: $11.2BMA FY2024: $12.9BMA FY2025: $15BFY18FY19FY20FY21FY22FY23FY24FY25
FISV $3.5BMA $15B
Net margin
FISV FY2018: 20.4%FISV FY2019: 8.8%FISV FY2020: 6.5%FISV FY2021: 8.2%FISV FY2022: 14.3%FISV FY2023: 16.1%FISV FY2024: 15.3%FISV FY2025: 16.4%MA FY2018: 26.8%MA FY2019: 32.5%MA FY2020: 27.1%MA FY2021: 29.1%MA FY2022: 44.7%MA FY2023: 44.6%MA FY2024: 45.7%MA FY2025: 45.6%FY18FY19FY20FY21FY22FY23FY24FY25
FISV 16.4%MA 45.6%
Revenue growth
FISV FY2019: +74.9%FISV FY2020: +45.8%FISV FY2021: +9.3%FISV FY2022: +9.3%FISV FY2023: +7.6%FISV FY2024: +7.1%FISV FY2025: +3.6%MA FY2019: +14.4%MA FY2020: -5.5%MA FY2021: +26.4%MA FY2022: -25.5%MA FY2023: +12.9%MA FY2024: +12.2%MA FY2025: +16.4%FY19FY20FY21FY22FY23FY24FY25
FISV +3.6%MA +16.4%
Free cash flow
FISV FY2018: $1.2BFISV FY2019: $2.1BFISV FY2020: $3.2BFISV FY2021: $2.9BFISV FY2022: $3.1BFISV FY2023: $3.8BFISV FY2024: $5.1BFISV FY2025: $4.3BMA FY2018: $5.9BMA FY2019: $7.8BMA FY2020: $6.9BMA FY2021: $9.1BMA FY2022: $10.8BMA FY2023: $11.6BMA FY2024: $14.3BMA FY2025: $17.2BFY18FY19FY20FY21FY22FY23FY24FY25
FISV $4.3BMA $17.2B

Fiscal years as each company reports them; the two may end in different months.

Questions about Fiserv and Mastercard

Which is bigger by revenue, Fiserv or Mastercard?

Mastercard is bigger by revenue: $32.8B in fiscal 2025, against $21.2B for Fiserv in fiscal 2025.

Which keeps more of its revenue as profit, Fiserv or Mastercard?

Fiserv had a net margin of 16.4% in fiscal 2025; Mastercard had 45.6% in fiscal 2025.

Which grew revenue faster, Fiserv or Mastercard?

In their latest fiscal years revenue changed by +3.6% at Fiserv and +16.4% at Mastercard.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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