(MA) Mastercard - Ratings and Ratios
Credit Cards, Debit Cards, Prepaid Cards, Processing Networks, Payment
MA EPS (Earnings per Share)
MA Revenue
Description: MA Mastercard
Mastercard Incorporated is a technology-driven payment processing company that offers a broad range of products and services to facilitate transactions between account holders, merchants, and financial institutions globally. The companys comprehensive suite of solutions includes payment processing, prepaid programs, consumer bill payment services, and commercial credit, debit, and prepaid payment products.
Some key aspects of Mastercards business include its ability to enable issuers to provide consumers with credits to defer payments, its Virtual Card Number solution for businesses to make payments, and its Mastercard Move platform for person-to-person payments. The company also partners with central banks, fintechs, and financial institutions to facilitate cross-border payment flows and provides security solutions, personalization, and marketing services to its customers.
From a performance perspective, Mastercard has demonstrated strong growth and profitability. Key performance indicators (KPIs) such as revenue growth, gross margin, and return on equity (RoE) are important metrics to evaluate the companys success. With a RoE of 187.64, Mastercard has shown an ability to generate significant returns for its shareholders. Additionally, the companys payment solutions and services are offered under well-established brands such as MasterCard, Maestro, and Cirrus.
To further analyze Mastercards position, other relevant KPIs could include its payment processing volume, cross-border transaction growth, and the expansion of its digital payment solutions. The companys ability to innovate and adapt to changing market trends, such as the shift towards digital payments, will be crucial in driving its future growth. With a market capitalization of $516.92 billion, Mastercard is a significant player in the transaction and payment processing services industry.
MA Stock Overview
| Market Cap in USD | 519,066m |
| Sub-Industry | Transaction & Payment Processing Services |
| IPO / Inception | 2006-05-25 |
MA Stock Ratings
| Growth Rating | 72.0 |
| Fundamental | 88.7% |
| Dividend Rating | 59.1 |
| Rel. Strength | 1.86 |
| Analysts | 4.19 of 5 |
| Fair Price Momentum | 590.93 USD |
| Fair Price DCF | 382.67 USD |
MA Dividends
| Dividend Yield 12m | 0.53% |
| Yield on Cost 5y | 0.92% |
| Annual Growth 5y | 10.53% |
| Payout Consistency | 94.3% |
| Payout Ratio | 18.9% |
MA Growth Ratios
| Growth Correlation 3m | -28.2% |
| Growth Correlation 12m | 82.2% |
| Growth Correlation 5y | 84.8% |
| CAGR 5y | 12.61% |
| CAGR/Max DD 5y | 0.45 |
| Sharpe Ratio 12m | 1.48 |
| Alpha | 10.80 |
| Beta | 0.723 |
| Volatility | 19.31% |
| Current Volume | 2263.8k |
| Average Volume 20d | 2492.4k |
| Stop Loss | 564.2 (-3%) |
| Signal | -1.20 |
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income (13.59b TTM) > 0 and > 6% of Revenue (6% = 1.81b TTM) |
| FCFTA 0.32 (>2.0%) and ΔFCFTA 5.44pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 10.29% (prev 8.28%; Δ 2.00pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.33 (>3.0%) and CFO 16.95b > Net Income 13.59b (YES >=105%, WARN >=100%) |
| Net Debt (9.94b) to EBITDA (18.19b) ratio: 0.55 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.16 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (909.0m) change vs 12m ago -2.26% (target <= -2.0% for YES) |
| Gross Margin 76.55% (prev 76.42%; Δ 0.13pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 64.50% (prev 62.34%; Δ 2.17pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 23.86 (EBITDA TTM 18.19b / Interest Expense TTM 720.0m) >= 6 (WARN >= 3) |
Altman Z'' 9.71
| (A) 0.06 = (Total Current Assets 22.14b - Total Current Liabilities 19.03b) / Total Assets 51.43b |
| (B) 1.53 = Retained Earnings (Balance) 78.51b / Total Assets 51.43b |
| warn (B) unusual magnitude: 1.53 — check mapping/units |
| (C) 0.37 = EBIT TTM 17.18b / Avg Total Assets 46.88b |
| (D) 1.78 = Book Value of Equity 77.59b / Total Liabilities 43.56b |
| Total Rating: 9.71 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 88.67
| 1. Piotroski 7.50pt = 2.50 |
| 2. FCF Yield 3.10% = 1.55 |
| 3. FCF Margin 54.19% = 7.50 |
| 4. Debt/Equity 2.41 = 0.14 |
| 5. Debt/Ebitda 1.04 = 1.71 |
| 6. ROIC - WACC 48.01% = 12.50 |
| 7. RoE 190.9% = 2.50 |
| 8. Rev. Trend 95.83% = 4.79 |
| 9. Rev. CAGR 12.21% = 1.53 |
| 10. EPS Trend 92.70% = 2.32 |
| 11. EPS CAGR 16.40% = 1.64 |
What is the price of MA shares?
Over the past week, the price has changed by +1.28%, over one month by +5.69%, over three months by +0.05% and over the past year by +24.83%.
Is Mastercard a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MA is around 590.93 USD . This means that MA is currently overvalued and has a potential downside of 1.59%.
Is MA a buy, sell or hold?
- Strong Buy: 21
- Buy: 9
- Hold: 11
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the MA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 642.2 | 10.4% |
| Analysts Target Price | 621.3 | 6.8% |
| ValueRay Target Price | 658.3 | 13.2% |
Last update: 2025-08-14 02:53
MA Fundamental Data Overview
CCE Cash And Equivalents = 9.03b USD (last quarter)
P/E Trailing = 38.6393
P/E Forward = 35.7143
P/S = 17.1643
P/B = 66.0977
P/EG = 2.2781
Beta = 1.029
Revenue TTM = 30.24b USD
EBIT TTM = 17.18b USD
EBITDA TTM = 18.19b USD
Long Term Debt = 18.97b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 18.97b USD (Calculated: Short Term 0.0 + Long Term 18.97b)
Net Debt = 9.94b USD (from netDebt column, last quarter)
Enterprise Value = 529.00b USD (519.07b + Debt 18.97b - CCE 9.03b)
Interest Coverage Ratio = 23.86 (Ebit TTM 17.18b / Interest Expense TTM 720.0m)
FCF Yield = 3.10% (FCF TTM 16.39b / Enterprise Value 529.00b)
FCF Margin = 54.19% (FCF TTM 16.39b / Revenue TTM 30.24b)
Net Margin = 44.93% (Net Income TTM 13.59b / Revenue TTM 30.24b)
Gross Margin = 76.55% ((Revenue TTM 30.24b - Cost of Revenue TTM 7.09b) / Revenue TTM)
Tobins Q-Ratio = 6.82 (Enterprise Value 529.00b / Book Value Of Equity 77.59b)
Interest Expense / Debt = 1.03% (Interest Expense 195.0m / Debt 18.97b)
Taxrate = 15.60% (from yearly Income Tax Expense: 2.38b / 15.25b)
NOPAT = 14.50b (EBIT 17.18b * (1 - 15.60%))
Current Ratio = 1.16 (Total Current Assets 22.14b / Total Current Liabilities 19.03b)
Debt / Equity = 2.41 (Debt 18.97b / last Quarter total Stockholder Equity 7.87b)
Debt / EBITDA = 1.04 (Net Debt 9.94b / EBITDA 18.19b)
Debt / FCF = 1.16 (Debt 18.97b / FCF TTM 16.39b)
Total Stockholder Equity = 7.12b (last 4 quarters mean)
RoA = 26.42% (Net Income 13.59b, Total Assets 51.43b )
RoE = 190.9% (Net Income TTM 13.59b / Total Stockholder Equity 7.12b)
RoCE = 65.86% (Ebit 17.18b / (Equity 7.12b + L.T.Debt 18.97b))
RoIC = 56.42% (NOPAT 14.50b / Invested Capital 25.70b)
WACC = 8.40% (E(519.07b)/V(538.04b) * Re(8.68%)) + (D(18.97b)/V(538.04b) * Rd(1.03%) * (1-Tc(0.16)))
Shares Correlation 5-Years: -100.0 | Cagr: -1.61%
Discount Rate = 8.68% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 77.91% ; FCFE base≈14.31b ; Y1≈16.28b ; Y5≈22.37b
Fair Price DCF = 382.7 (DCF Value 343.36b / Shares Outstanding 897.3m; 5y FCF grow 16.08% → 3.0% )
Revenue Correlation: 95.83 | Revenue CAGR: 12.21%
Revenue Growth Correlation: 65.15%
EPS Correlation: 92.70 | EPS CAGR: 16.40%
EPS Growth Correlation: -47.46%
Additional Sources for MA Stock
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Fund Manager Positions: Dataroma | Stockcircle