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Side-by-side financial comparison of Mastercard (MA) and Oracle Corporation (ORCL). Click either name above to swap in a different company.
Oracle Corporation is the larger business by last-quarter revenue ($16.1B vs $8.8B, roughly 1.8× Mastercard). Mastercard runs the higher net margin — 46.1% vs 38.2%, a 7.9% gap on every dollar of revenue. On growth, Mastercard posted the faster year-over-year revenue change (17.6% vs 14.2%). Mastercard produced more free cash flow last quarter ($4.9B vs $-10.0B). Over the past eight quarters, Mastercard's revenue compounded faster (17.8% CAGR vs 10.0%).
Mastercard Inc. is an American multinational payment card services corporation headquartered in Purchase, New York. It offers a range of payment transaction processing and other related-payment services. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard-brand debit, credit and prepaid cards to make purchases. Mastercard has been publicly traded since 2006.
An oracle is a person or thing considered to provide insight, wise counsel or prophetic predictions, most notably including precognition of the future, inspired by deities. If done through occultic means, it is a form of divination.
MA vs ORCL — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $8.8B | $16.1B |
| Net Profit | $4.1B | $6.1B |
| Gross Margin | — | — |
| Operating Margin | 55.8% | 29.5% |
| Net Margin | 46.1% | 38.2% |
| Revenue YoY | 17.6% | 14.2% |
| Net Profit YoY | 21.5% | 94.7% |
| EPS (diluted) | $4.52 | $2.10 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $8.8B | $16.1B | ||
| Q3 25 | $8.6B | $14.9B | ||
| Q2 25 | $8.1B | $15.9B | ||
| Q1 25 | $7.3B | $14.1B | ||
| Q4 24 | $7.5B | $14.1B | ||
| Q3 24 | $7.4B | $13.3B | ||
| Q2 24 | $7.0B | $14.3B | ||
| Q1 24 | $6.3B | $13.3B |
| Q4 25 | $4.1B | $6.1B | ||
| Q3 25 | $3.9B | $2.9B | ||
| Q2 25 | $3.7B | $3.4B | ||
| Q1 25 | $3.3B | $2.9B | ||
| Q4 24 | $3.3B | $3.2B | ||
| Q3 24 | $3.3B | $2.9B | ||
| Q2 24 | $3.3B | $3.1B | ||
| Q1 24 | $3.0B | $2.4B |
| Q4 25 | 55.8% | 29.5% | ||
| Q3 25 | 58.8% | 28.7% | ||
| Q2 25 | 58.7% | 32.1% | ||
| Q1 25 | 57.2% | 30.8% | ||
| Q4 24 | 52.6% | 30.0% | ||
| Q3 24 | 54.3% | 30.0% | ||
| Q2 24 | 58.0% | 32.8% | ||
| Q1 24 | 56.8% | 28.2% |
| Q4 25 | 46.1% | 38.2% | ||
| Q3 25 | 45.7% | 19.6% | ||
| Q2 25 | 45.5% | 21.5% | ||
| Q1 25 | 45.2% | 20.8% | ||
| Q4 24 | 44.6% | 22.4% | ||
| Q3 24 | 44.3% | 22.0% | ||
| Q2 24 | 46.8% | 22.0% | ||
| Q1 24 | 47.4% | 18.1% |
| Q4 25 | $4.52 | $2.10 | ||
| Q3 25 | $4.34 | $1.01 | ||
| Q2 25 | $4.07 | $1.19 | ||
| Q1 25 | $3.59 | $1.02 | ||
| Q4 24 | $3.64 | $1.10 | ||
| Q3 24 | $3.53 | $1.03 | ||
| Q2 24 | $3.50 | $1.11 | ||
| Q1 24 | $3.22 | $0.85 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $10.6B | $19.2B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $7.7B | $30.0B |
| Total Assets | $54.2B | $205.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $10.6B | $19.2B | ||
| Q3 25 | $10.3B | $10.4B | ||
| Q2 25 | $9.0B | $10.8B | ||
| Q1 25 | $7.6B | $17.4B | ||
| Q4 24 | $8.4B | $10.9B | ||
| Q3 24 | $11.1B | $10.6B | ||
| Q2 24 | $7.0B | $10.5B | ||
| Q1 24 | $7.3B | $9.5B |
| Q4 25 | $7.7B | $30.0B | ||
| Q3 25 | $7.9B | $24.2B | ||
| Q2 25 | $7.9B | $20.5B | ||
| Q1 25 | $6.7B | $16.7B | ||
| Q4 24 | $6.5B | $13.7B | ||
| Q3 24 | $7.4B | $10.8B | ||
| Q2 24 | $7.4B | $8.7B | ||
| Q1 24 | $7.2B | $5.6B |
| Q4 25 | $54.2B | $205.0B | ||
| Q3 25 | $53.3B | $180.4B | ||
| Q2 25 | $51.4B | $168.4B | ||
| Q1 25 | $48.5B | $161.4B | ||
| Q4 24 | $48.1B | $148.5B | ||
| Q3 24 | $47.2B | $144.2B | ||
| Q2 24 | $42.3B | $141.0B | ||
| Q1 24 | $42.6B | $137.1B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $5.0B | $2.1B |
| Free Cash FlowOCF − Capex | $4.9B | $-10.0B |
| FCF MarginFCF / Revenue | 55.5% | -62.1% |
| Capex IntensityCapex / Revenue | 1.3% | 74.9% |
| Cash ConversionOCF / Net Profit | 1.23× | 0.34× |
| TTM Free Cash FlowTrailing 4 quarters | $17.2B | $-13.2B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.0B | $2.1B | ||
| Q3 25 | $5.7B | $8.1B | ||
| Q2 25 | $4.6B | $6.2B | ||
| Q1 25 | $2.4B | $5.9B | ||
| Q4 24 | $4.8B | $1.3B | ||
| Q3 24 | $5.1B | $7.4B | ||
| Q2 24 | $3.1B | $6.1B | ||
| Q1 24 | $1.7B | $5.5B |
| Q4 25 | $4.9B | $-10.0B | ||
| Q3 25 | $5.5B | $-362.0M | ||
| Q2 25 | $4.6B | $-2.9B | ||
| Q1 25 | $2.2B | $71.0M | ||
| Q4 24 | $4.7B | $-2.7B | ||
| Q3 24 | $5.0B | $5.1B | ||
| Q2 24 | $3.0B | $3.3B | ||
| Q1 24 | $1.5B | $3.8B |
| Q4 25 | 55.5% | -62.1% | ||
| Q3 25 | 63.8% | -2.4% | ||
| Q2 25 | 56.1% | -18.4% | ||
| Q1 25 | 30.6% | 0.5% | ||
| Q4 24 | 63.3% | -19.0% | ||
| Q3 24 | 68.2% | 38.5% | ||
| Q2 24 | 43.4% | 23.0% | ||
| Q1 24 | 23.9% | 28.6% |
| Q4 25 | 1.3% | 74.9% | ||
| Q3 25 | 2.1% | 57.0% | ||
| Q2 25 | 0.5% | 57.1% | ||
| Q1 25 | 2.2% | 41.5% | ||
| Q4 24 | 1.3% | 28.2% | ||
| Q3 24 | 1.5% | 17.3% | ||
| Q2 24 | 1.7% | 19.6% | ||
| Q1 24 | 2.5% | 12.6% |
| Q4 25 | 1.23× | 0.34× | ||
| Q3 25 | 1.44× | 2.78× | ||
| Q2 25 | 1.24× | 1.80× | ||
| Q1 25 | 0.73× | 2.02× | ||
| Q4 24 | 1.45× | 0.41× | ||
| Q3 24 | 1.57× | 2.54× | ||
| Q2 24 | 0.96× | 1.93× | ||
| Q1 24 | 0.56× | 2.28× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MA
| Payment Network | $4.9B | 56% |
| Value Added Services And Solutions | $3.9B | 44% |
ORCL
| Software Support | $4.9B | 31% |
| Cloud Infrastructure | $4.1B | 25% |
| Cloud Applications | $3.9B | 24% |
| Services Business | $1.4B | 9% |
| Software License | $939.0M | 6% |
| Hardware Business | $776.0M | 5% |
