MA vs. XLM-USD
MA (Mastercard Incorporated) is a stock, while XLM-USD (Stellar) is a cryptocurrency. Over the past 10 years, MA returned 18.64%/yr vs 60.23%/yr for XLM-USD. At a 0.07 correlation, their price movements are largely independent.
Performance
MA vs. XLM-USD - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, MA achieves a -13.89% return, which is significantly lower than XLM-USD's -6.87% return. Over the past 10 years, MA has underperformed XLM-USD with an annualized return of 18.64%, while XLM-USD has yielded a comparatively higher 60.23% annualized return.
MA
- 1D
- 0.71%
- 1M
- 0.01%
- YTD
- -13.89%
- 6M
- -14.05%
- 1Y
- -12.30%
- 3Y*
- 10.32%
- 5Y*
- 6.66%
- 10Y*
- 18.64%
XLM-USD
- 1D
- -1.52%
- 1M
- 15.17%
- YTD
- -6.87%
- 6M
- -21.39%
- 1Y
- -28.35%
- 3Y*
- 33.09%
- 5Y*
- -11.45%
- 10Y*
- 60.23%
MA vs. XLM-USD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
MA Mastercard Incorporated | -13.89% | 9.04% | 24.17% | 23.40% | -2.66% | 1.16% | 20.19% | 59.16% | 25.31% | 47.69% |
XLM-USD Stellar | -6.87% | -39.55% | 157.40% | 81.66% | -73.35% | 108.68% | 184.76% | -60.36% | -68.37% | 14,396.90% |
Correlation
The correlation between MA and XLM-USD is 0.05, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.05 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.08 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.11 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.08 |
Correlation (All Time) Calculated using the full available price history since Aug 4, 2014 | 0.07 |
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
MA vs. XLM-USD — Risk / Return Rank
MA
XLM-USD
MA vs. XLM-USD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Mastercard Incorporated (MA) and Stellar (XLM-USD). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| MA | XLM-USD | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.40 | ||
| Sortino ratioReturn per unit of downside risk | -0.93 | ||
| Omega ratioGain probability vs. loss probability | 0.89 | 1.00 | -0.11 |
| Calmar ratioReturn relative to maximum drawdown | -0.79 | -0.40 | -0.39 |
| Martin ratioReturn relative to average drawdown | -1.59 | -0.57 | -1.02 |
Loading charts...
Drawdowns
MA vs. XLM-USD - Drawdown Comparison
The maximum MA drawdown since its inception was -62.67%, smaller than the maximum XLM-USD drawdown of -96.21%. Use the drawdown chart below to compare losses from any high point for MA and XLM-USD.
Loading charts...
Drawdown Indicators
| MA | XLM-USD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -62.67% | -96.21% | +33.54% |
Max Drawdown (1Y)Largest decline over 1 year | -20.91% | -71.19% | +50.28% |
Max Drawdown (3Y)Largest decline over 3 years | -20.91% | -74.37% | +53.46% |
Max Drawdown (5Y)Largest decline over 5 years | -28.25% | -83.25% | +55.00% |
Max Drawdown (10Y)Largest decline over 10 years | -41.00% | -96.21% | +55.21% |
Current DrawdownCurrent decline from peak | -17.82% | -78.80% | +60.98% |
Average DrawdownAverage peak-to-trough decline | -9.82% | -72.14% | +62.32% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 10.48% | 50.48% | -40.00% |
Volatility
MA vs. XLM-USD - Volatility Comparison
The current volatility for Mastercard Incorporated (MA) is 6.46%, while Stellar (XLM-USD) has a volatility of 43.48%. This indicates that MA experiences smaller price fluctuations and is considered to be less risky than XLM-USD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| MA | XLM-USD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.46% | 43.48% | -37.02% |
Volatility (6M)Calculated over the trailing 6-month period | 17.51% | 59.28% | -41.77% |
Volatility (1Y)Calculated over the trailing 1-year period | 22.34% | 70.60% | -48.26% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 24.01% | 74.72% | -50.71% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 26.92% | 112.79% | -85.87% |
Frequently Asked Questions
MA and XLM-USD have a correlation of 0.05, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
XLM-USD has higher volatility (43.48%) compared to MA (6.46%). In terms of maximum drawdown, MA dropped -62.67% vs XLM-USD's -96.21%.
XLM-USD currently has the higher Sharpe Ratio (-0.33 vs -0.74), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for MA and XLM-USD
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer