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

Mastercard brought in $32.8B of revenue in fiscal 2025, Visa $40B in fiscal 2025. Revenue changed by +16.4% at Mastercard and +11.3% at Visa on the year before, so Mastercard grew faster. Mastercard kept 45.6% of its revenue as net profit, Visa 50.1%. Free cash flow was $17.2B at Mastercard and $21.6B at Visa.

Side by side, latest fiscal year

MAV
Fiscal year endedFY2025 (December 31, 2025)FY2025 (September 30, 2025)
Revenue$32.8B$40B
Revenue growth+16.4%+11.3%
Net income$15B$20.1B
Net margin45.6%50.1%
Free cash flow$17.2B$21.6B
Free cash flow margin52.3%53.9%
Earnings per share (diluted)$16.52n/a
Cash$10.6B$17.2B
Debt$19B$25.2B
Price to earnings34.4n/a
Market value$497.3B$656.4B
Dividend yield0.55%0.16%
Rank by revenue in sector#31 of 778 · Consumer discretionary#24 of 778 · Consumer discretionary

Over the years

Revenue
MA FY2018: $21.8BMA FY2019: $25BMA FY2020: $23.6BMA FY2021: $29.8BMA FY2022: $22.2BMA FY2023: $25.1BMA FY2024: $28.2BMA FY2025: $32.8BV FY2018: $20.6BV FY2019: $23BV FY2020: $21.8BV FY2021: $24.1BV FY2022: $29.3BV FY2023: $32.7BV FY2024: $35.9BV FY2025: $40BFY18FY19FY20FY21FY22FY23FY24FY25
MA $32.8BV $40B
Net income
MA FY2018: $5.9BMA FY2019: $8.1BMA FY2020: $6.4BMA FY2021: $8.7BMA FY2022: $9.9BMA FY2023: $11.2BMA FY2024: $12.9BMA FY2025: $15BV FY2018: $10.3BV FY2019: $12.1BV FY2020: $10.9BV FY2021: $12.3BV FY2022: $15BV FY2023: $17.3BV FY2024: $19.7BV FY2025: $20.1BFY18FY19FY20FY21FY22FY23FY24FY25
MA $15BV $20.1B
Net margin
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%V FY2018: 50.0%V FY2019: 52.6%V FY2020: 49.7%V FY2021: 51.1%V FY2022: 51.0%V FY2023: 52.9%V FY2024: 55.0%V FY2025: 50.1%FY18FY19FY20FY21FY22FY23FY24FY25
MA 45.6%V 50.1%
Revenue growth
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%V FY2019: +11.5%V FY2020: -4.9%V FY2021: +10.3%V FY2022: +21.6%V FY2023: +11.4%V FY2024: +10.0%V FY2025: +11.3%FY19FY20FY21FY22FY23FY24FY25
MA +16.4%V +11.3%
Free cash flow
MA FY2018: $5.9BMA FY2019: $7.8BMA FY2020: $6.9BMA FY2021: $9.1BMA FY2022: $10.8BMA FY2023: $11.6BMA FY2024: $14.3BMA FY2025: $17.2BV FY2018: $12.2BV FY2019: $12BV FY2020: $9.7BV FY2021: $14.5BV FY2022: $17.9BV FY2023: $19.7BV FY2024: $18.7BV FY2025: $21.6BFY18FY19FY20FY21FY22FY23FY24FY25
MA $17.2BV $21.6B

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

Questions about Mastercard and Visa

Which is bigger by revenue, Mastercard or Visa?

Visa is bigger by revenue: $40B in fiscal 2025, against $32.8B for Mastercard in fiscal 2025.

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

Mastercard had a net margin of 45.6% in fiscal 2025; Visa had 50.1% in fiscal 2025.

Which grew revenue faster, Mastercard or Visa?

In their latest fiscal years revenue changed by +16.4% at Mastercard and +11.3% at Visa.

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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