MA Stock Analysis: Mastercard | NYSE
Credit Services | NYSE, USA | Market Cap: 510.137m USD | 12M Return: 1.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.59B
EPS Trend: 99.8%
Qual. Beats: 9
Rev. Trend: 99.7%
Qual. Beats: 3
Warnings
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Mastercard Incorporated (NYSE: MA) is a global technology company specializing in transaction processing and payment-related products and services, operating across the United States and international markets. The company serves a broad customer base including account holders, merchants, financial institutions, digital partners, businesses, and governments, generating revenue through fees on transaction volumes processed over its network rather than from interest income, distinguishing it as a network operator rather than a lender.
The companys offerings span consumer and commercial payment solutions, including credit and debit products, prepaid programs, consumer bill payment services, and deferred payment programs for issuers. It also provides B2B payment solutions such as Virtual Card Numbers, supplier payment enablement platforms, and Mastercard Move, which facilitates cross-border consumer and business money transfers in partnership with fintechs, central banks, and financial institutions.
Mastercard further offers value-added services including fraud and security solutions, marketing and loyalty programs, AI-driven analytics, consulting and agentic solutions, digital authentication, and processing and gateway services. Within the Financials sector (GICS Sub Industry: Transaction & Payment Processing Services), Mastercard operates one of the two dominant global card payment networks alongside Visa. The companys services are marketed under the MasterCard, Maestro, and Cirrus brand names. Mastercard was founded in 1966 and is headquartered in Purchase, New York.
- Cross-border transaction volume accelerates on global travel recovery
- Network fee increases boost operating margins and earnings
- Regulatory caps on interchange fees pressure revenue growth
| Net Income: 16.3b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.29 > 0.02 and ΔFCF/TA -3.05 > 1.0 |
| NWC/Revenue: 4.33% < 20% (prev 10.29%; Δ -5.96% < -1%) |
| CFO/TA 0.30 > 3% & CFO 17.4b > Net Income 16.3b |
| Net Debt (13.0b) to EBITDA (22.1b): 0.59 < 3 |
| Current Ratio: 1.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (883.0m) vs 12m ago -2.86% < -2% |
| Gross Margin: 82.74% > 18% (prev 76.55%; Δ 6.19% > 0.5%) |
| Asset Turnover: 64.30% > 50% (prev 58.80%; Δ 5.50% > 0%) |
| Interest Coverage Ratio: 27.97 > 6 (EBIT TTM 20.9b / Interest Expense TTM 748.0m) |
| A: 0.03 (Total Current Assets 26.5b - Total Current Liabilities 25.0b) / Total Assets 57.7b |
| B: 1.59 (Retained Earnings 91.8b / Total Assets 57.7b) |
| C: 0.38 (EBIT TTM 20.9b / Avg Total Assets 54.6b) |
| D: 0.11 (Book Value of Equity 5.61b / Total Liabilities 52.1b) |
| Altman-Z'' = 8.05 = AAA |
| DSRI: 1.04 (Receivables 5.05b/4.18b, Revenue 35.1b/30.2b) |
| GMI: 0.93 (GM 76.55% / 82.74%) |
| AQI: 0.94 (AQ_t 0.50 / AQ_t-1 0.53) |
| SGI: 1.16 (Revenue 35.1b / 30.2b) |
| TATA: -0.02 (NI 16.3b - CFO 17.4b) / TA 57.7b) |
| Beneish M = -2.98 (Cap -4..+1) = A |
As of August 03, 2026, the stock is trading at USD 573.10 with a total of 4,576,551 shares traded. Over the past week, the price has changed by +6.20%, over one month by +6.43%, over three months by +13.73% and over the past year by +1.20%.
Current recommended Stop Loss: 548.10 (which is 4.4% or 2 ATR below the current price).
Mastercard has received a consensus analysts rating of 4.19. Therefore, it is recommended to buy MA.
- StrongBuy: 21
- Buy: 9
- Hold: 11
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 648.1 | 13.1% |
P/E Trailing = 32.5818
P/E Forward = 28.6533
P/S = 14.9507
P/B = 74.0795
P/EG = 1.7311
Revenue TTM = 35.1b USD
EBIT TTM = 20.9b USD
EBITDA TTM = 22.1b USD
Long Term Debt = 22.2b USD (from longTermDebt, last quarter)
Short Term Debt = 2.46b USD (from shortTermDebt, last quarter)
Debt = 24.6b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 13.0b USD (calculated: Debt 24.6b - CCE 11.6b)
Enterprise Value = 523b USD (510b + Debt 24.6b - CCE 11.6b)
Interest Coverage Ratio = 27.97 (Ebit TTM 20.9b / Interest Expense TTM 748.0m)
EV/FCF = 31.81x (Enterprise Value 523b / FCF TTM 16.4b)
FCF Yield = 3.14% (FCF TTM 16.4b / Enterprise Value 523b)
FCF Margin = 46.88% (FCF TTM 16.4b / Revenue TTM 35.1b)
Net Margin = 46.34% (Net Income TTM 16.3b / Revenue TTM 35.1b)
Gross Margin = 82.74% ((Revenue TTM 35.1b - Cost of Revenue TTM 6.06b) / Revenue TTM)
Gross Margin QoQ = none% (prev 75.74%)
Tobins Q-Ratio = 9.07 (Enterprise Value 523b / Total Assets 57.7b)
Interest Expense / Debt = 3.04% (Interest Expense 748.0m / Debt 24.6b)
Taxrate = 19.41% (3.92b / 20.2b)
NOPAT = 16.9b (EBIT 20.9b * (1 - 19.41%))
Current Ratio = 1.06 (Total Current Assets 26.5b / Total Current Liabilities 25.0b)
Debt / Equity = 4.39 (Debt 24.6b / totalStockholderEquity, last quarter 5.61b)
Debt / EBITDA = 0.59 (Net Debt 13.0b / EBITDA 22.1b)
Debt / FCF = 0.79 (Net Debt 13.0b / FCF TTM 16.4b)
Total Stockholder Equity = 6.99b (last 4 quarters mean from totalStockholderEquity)
RoA = 29.80% (Net Income 16.3b / Total Assets 57.7b)
RoE = 232.5% (Net Income TTM 16.3b / Total Stockholder Equity 6.99b)
RoCE = 71.70% (EBIT 20.9b / Capital Employed (Equity 6.99b + L.T.Debt 22.2b))
RoIC = 50.49% (NOPAT 16.9b / Invested Capital 33.4b)
WACC = 7.16% (E(510b)/V(535b) * Re(7.39%) + D(24.6b)/V(535b) * Rd(3.04%) * (1-Tc(0.19)))
Discount Rate = 7.39% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.62 | Cagr: -2.51%
[DCF] Terminal Value 75.61% ; FCFF base≈16.4b ; Y1≈16.6b ; Y5≈18.0b
[DCF] Fair Price = 303.3 (EV 279b - Net Debt 13.0b = Equity 266b / Shares 877.0m; r=8.35% [WACC [floored]]; 5y FCF grow 1.32% → 2.50% )
EPS Correlation: 99.82 | EPS CAGR: 18.00% | SUE: 1.88 | # QB: 9
Revenue Correlation: 99.73 | Revenue CAGR: 14.46% | SUE: 4.0 | # QB: 3
EPS current Quarter (2026-09-30): EPS=5.13 | Chg30d=+0.26% | Revisions=-25% | Analysts=27
EPS current Year (2026-12-31): EPS=19.74 | Chg30d=+0.42% | Revisions=+57% | GrowthEPS=+16.1% | GrowthRev=+13.5%
EPS next Year (2027-12-31): EPS=22.84 | Chg30d=+0.27% | Revisions=+57% | GrowthEPS=+15.7% | GrowthRev=+12.4%
[Analyst] Revisions Ratio: +58% (up=8, down=1)