SmarterDividends

MA vs NCDL: Which Is the Better Dividend Stock?

As of July 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 3 of 5 head-to-head metrics. NCDL offers the higher yield at 11.59%, MA has the higher dividend-safety score, and NCDL trades at the larger discount to fair value (+64%).

MetricMANCDL
Forward yield0.68%11.59%
Annual dividend$3.48$1.44
Payout ratio18%147%
Years of growth14 yr1 yr
5-yr dividend growth13.7%
5-yr total return29%
Dividend safety score89 (A)
Fair value estimate$553.88$20.94
Upside to fair value+11%+64%
Frequencyquarterlyquarterly
Market cap$453.8B$613.4M
P/E ratio29.810.4

Higher yield

NCDL

11.59%

Safer dividend

MA

Grade A

Faster growth

MA

13.7%

Better value

NCDL

+64% upside

MA vs NCDL — FAQ

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