MA Stock Analysis: Mastercard | NYSE
Credit Services | NYSE, USA | Market Cap: 554.698m USD | 12M Return: 9.4% | US57636Q1040 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.76B
EPS Trend: 99.8%
Qual. Beats: 9
Rev. Trend: 99.7%
Qual. Beats: 3
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 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 that provides transaction processing and payment-related products and services across the United States and international markets. Founded in 1966 and headquartered in Purchase, New York, the company operates within the transaction and payment processing subsector of the financials industry, serving a broad customer base that includes account holders, merchants, financial institutions, digital partners, businesses, and governments.
The companys offerings span a wide range of payment solutions, including credit and debit programs, prepaid services, consumer bill payment, and commercial payment products. Its Mastercard Move platform enables money transfers directly within applications and supports cross-border payment flows in partnership with central banks, fintechs, and financial institutions. Additional services include Virtual Card Number solutions, supplier payment enablement platforms, security and authentication tools, marketing and loyalty programs, and advanced analytics, AI, and consulting services. Mastercard markets its solutions under the MasterCard, Maestro, and Cirrus brands.
Mastercard generates revenue primarily through fees charged to financial institutions and merchants for processing transactions on its network, rather than from interest or lending activities, distinguishing it from traditional banks. The company was listed on the NYSE in 2006 and is classified as a mega-cap stock, reflecting its scale and global footprint in the payments ecosystem.
- Cross-border travel volume surge boosts high-margin payment revenue
- Regulatory scrutiny threatens interchange fee structures
- Visa and fintech competition pressures payment network market share
| Net Income: 16.3b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.28 > 0.02 and ΔFCF/TA -3.87 > 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 (22.2b): 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: 28.03 > 6 (EBIT TTM 21.0b / 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 21.0b / 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 October 26, 2026, the stock is trading at USD 623.60 with a total of 2,696,779 shares traded. Over the past week, the price has changed by +1.00%, over one month by +11.54%, over three months by +17.77% and over the past year by +9.38%.
Current recommended Stop Loss: 610.30 (which is 2.1% or 1.3 ATR below the current price).
Mastercard has received a consensus analysts rating of 4.58. Therefore, it is recommended to buy MA.
- StrongBuy: 27
- Buy: 9
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 674.9 | 8.2% |
P/E Trailing = 34.2461
P/E Forward = 24.2131
P/S = 15.811
P/B = 87.4168
P/EG = 1.462
Revenue TTM = 35.1b USD
EBIT TTM = 21.0b USD
EBITDA TTM = 22.2b 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 = 568b USD (555b + Debt 24.6b - CCE 11.6b)
Interest Coverage Ratio = 28.03 (Ebit TTM 21.0b / Interest Expense TTM 748.0m)
EV/FCF = 35.54x (Enterprise Value 568b / FCF TTM 16.0b)
FCF Yield = 2.81% (FCF TTM 16.0b / Enterprise Value 568b)
FCF Margin = 45.53% (FCF TTM 16.0b / 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 = 9.84 (Enterprise Value 568b / 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 21.0b * (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 22.2b)
Debt / FCF = 0.82 (Net Debt 13.0b / FCF TTM 16.0b)
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 = 71.87% (EBIT 21.0b / Capital Employed (Equity 6.99b + L.T.Debt 22.2b))
RoIC = 50.61% (NOPAT 16.9b / Invested Capital 33.4b)
WACC = 6.67% (E(555b)/V(579b) * Re(6.86%) + D(24.6b)/V(579b) * Rd(3.04%) * (1-Tc(0.19)))
Discount Rate = 6.86% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.62 | Cagr: -2.51%
[DCF] Terminal Value 75.22% ; FCFF base≈16.1b ; Y1≈15.9b ; Y5≈16.4b
[DCF] Fair Price = 279.7 (EV 256b - Net Debt 13.0b = Equity 243b / Shares 869.5m; r=8.35% [WACC [floored]]; 5y FCF grow -1.60% → 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=5.17 | Chg30d=+0.31% | Revisions=+57% | Analysts=31
EPS current Year (2026-12-31): EPS=19.94 | Chg30d=+0.07% | Revisions=+86% | GrowthEPS=+17.2% | GrowthRev=+13.7%
EPS next Year (2027-12-31): EPS=23.07 | Chg30d=+0.19% | Revisions=+81% | GrowthEPS=+15.7% | GrowthRev=+12.6%
[Analyst] Revisions Ratio: +80% (up=86, down=8)