(MA) Mastercard - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US57636Q1040
Stock:
Total Rating 61
Risk 95
Buy Signal 0.32
| Risk 5d forecast | |
|---|---|
| Volatility | 29.0% |
| Relative Tail Risk | -2.57% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.38 |
| Alpha | -22.90 |
| Character TTM | |
|---|---|
| Beta | 0.799 |
| Beta Downside | 0.659 |
| Drawdowns 3y | |
|---|---|
| Max DD | 16.95% |
| CAGR/Max DD | 0.82 |
EPS (Earnings per Share)
Revenue
Description: MA Mastercard
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. The company offers products and services for account holders, merchants, financial institutions, digital partners, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid programs services; consumer bill payment services; and commercial credit, debit, and prepaid payment products and solutions. It also provides solutions that enable businesses or governments to make payments to businesses, including Virtual Card Number, which is generated dynamically from an existing account and leverages the credit limit of the funding account; and a platform to optimize supplier payment enablement campaigns for financial institutions. In addition, the company offers Mastercard Move, which partners with digital messaging and payment platforms to enable consumers to send money directly within applications to other consumers; and partners with central banks, fintechs, and financial institutions, as well as enables various cross-border payment flows. Further, it provides security solutions; marketing, personalization, and issuer and merchant loyalty services; business and operational intelligence, advanced analytics and AI, consulting and agentic solutions, and payments and portfolio optimization; digital and authentication; processing and gateway solutions; and other solutions. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus names. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.
Piotroski VR‑10 (Strict, 0-10) 8.0
| Net Income: 14.97b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.32 > 0.02 and ΔFCF/TA 2.98 > 1.0 |
| NWC/Revenue: 2.43% < 20% (prev 1.79%; Δ 0.64% < -1%) |
| CFO/TA 0.32 > 3% & CFO 17.58b > Net Income 14.97b |
| Net Debt (7.87b) to EBITDA (20.19b): 0.39 < 3 |
| Current Ratio: 1.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (898.0m) vs 12m ago -2.29% < -2% |
| Gross Margin: 77.89% > 18% (prev 0.76%; Δ 7712 % > 0.5%) |
| Asset Turnover: 64.15% > 50% (prev 58.58%; Δ 5.56% > 0%) |
| Interest Coverage Ratio: 26.39 > 6 (EBITDA TTM 20.19b / Interest Expense TTM 722.0m) |
Altman Z'' 9.62
| A: 0.01 (Total Current Assets 23.56b - Total Current Liabilities 22.76b) / Total Assets 54.16b |
| B: 1.57 (Retained Earnings 85.03b / Total Assets 54.16b) |
| C: 0.37 (EBIT TTM 19.05b / Avg Total Assets 51.12b) |
| D: 1.81 (Book Value of Equity 84.05b / Total Liabilities 46.41b) |
| Altman-Z'' Score: 9.62 = AAA |
Beneish M -2.96
| DSRI: 1.05 (Receivables 4.61b/3.77b, Revenue 32.79b/28.17b) |
| GMI: 0.98 (GM 77.89% / 76.31%) |
| AQI: 0.96 (AQ_t 0.52 / AQ_t-1 0.55) |
| SGI: 1.16 (Revenue 32.79b / 28.17b) |
| TATA: -0.05 (NI 14.97b - CFO 17.58b) / TA 54.16b) |
| Beneish M-Score: -2.96 (Cap -4..+1) = A |
What is the price of MA shares?
As of February 27, 2026, the stock is trading at USD 514.77 with a total of 4,842,702 shares traded.
Over the past week, the price has changed by -1.06%, over one month by -2.39%, over three months by -5.39% and over the past year by -7.76%.
Over the past week, the price has changed by -1.06%, over one month by -2.39%, over three months by -5.39% and over the past year by -7.76%.
Is MA a buy, sell or hold?
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
What are the forecasts/targets for the MA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 662.1 | 28.6% |
| Analysts Target Price | 662.1 | 28.6% |
MA Fundamental Data Overview February 21, 2026
P/E Trailing = 31.957
P/E Forward = 26.5252
P/S = 14.1594
P/B = 59.7492
P/EG = 1.6418
Revenue TTM = 32.79b USD
EBIT TTM = 19.05b USD
EBITDA TTM = 20.19b USD
Long Term Debt = 18.25b USD (from longTermDebt, last quarter)
Short Term Debt = 749.0m USD (from shortTermDebt, last quarter)
Debt = 19.00b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.87b USD (from netDebt column, last quarter)
Enterprise Value = 472.73b USD (464.30b + Debt 19.00b - CCE 10.57b)
Interest Coverage Ratio = 26.39 (Ebit TTM 19.05b / Interest Expense TTM 722.0m)
EV/FCF = 27.66x (Enterprise Value 472.73b / FCF TTM 17.09b)
FCF Yield = 3.62% (FCF TTM 17.09b / Enterprise Value 472.73b)
FCF Margin = 52.12% (FCF TTM 17.09b / Revenue TTM 32.79b)
Net Margin = 45.65% (Net Income TTM 14.97b / Revenue TTM 32.79b)
Gross Margin = 77.89% ((Revenue TTM 32.79b - Cost of Revenue TTM 7.25b) / Revenue TTM)
Gross Margin QoQ = 79.35% (prev 77.99%)
Tobins Q-Ratio = 8.73 (Enterprise Value 472.73b / Total Assets 54.16b)
Interest Expense / Debt = 0.84% (Interest Expense 159.0m / Debt 19.00b)
Taxrate = 16.74% (816.0m / 4.88b)
NOPAT = 15.86b (EBIT 19.05b * (1 - 16.74%))
Current Ratio = 1.03 (Total Current Assets 23.56b / Total Current Liabilities 22.76b)
Debt / Equity = 2.45 (Debt 19.00b / totalStockholderEquity, last quarter 7.75b)
Debt / EBITDA = 0.39 (Net Debt 7.87b / EBITDA 20.19b)
Debt / FCF = 0.46 (Net Debt 7.87b / FCF TTM 17.09b)
Total Stockholder Equity = 7.54b (last 4 quarters mean from totalStockholderEquity)
RoA = 29.28% (Net Income 14.97b / Total Assets 54.16b)
RoE = 198.4% (Net Income TTM 14.97b / Total Stockholder Equity 7.54b)
RoCE = 73.86% (EBIT 19.05b / Capital Employed (Equity 7.54b + L.T.Debt 18.25b))
RoIC = 59.90% (NOPAT 15.86b / Invested Capital 26.48b)
WACC = 8.54% (E(464.30b)/V(483.30b) * Re(8.86%) + D(19.00b)/V(483.30b) * Rd(0.84%) * (1-Tc(0.17)))
Discount Rate = 8.86% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.21%
[DCF] Terminal Value 78.93% ; FCFF base≈15.75b ; Y1≈18.66b ; Y5≈28.95b
[DCF] Fair Price = 493.0 (EV 444.33b - Net Debt 7.87b = Equity 436.45b / Shares 885.2m; r=8.54% [WACC]; 5y FCF grow 19.69% → 2.90% )
EPS Correlation: 96.22 | EPS CAGR: 15.64% | SUE: 4.0 | # QB: 2
Revenue Correlation: 97.99 | Revenue CAGR: 15.28% | SUE: 1.92 | # QB: 1
EPS next Quarter (2026-03-31): EPS=4.41 | Chg7d=+0.007 | Chg30d=+0.119 | Revisions Net=+13 | Analysts=29
EPS current Year (2026-12-31): EPS=19.52 | Chg7d=+0.033 | Chg30d=+0.405 | Revisions Net=+33 | Growth EPS=+14.8% | Growth Revenue=+12.8%
EPS next Year (2027-12-31): EPS=22.62 | Chg7d=+0.019 | Chg30d=+0.395 | Revisions Net=+28 | Growth EPS=+15.9% | Growth Revenue=+12.2%
[Analyst] Revisions Ratio: +0.68 (16 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.7% (Discount Rate 8.9% - Earnings Yield 3.1%)
[Growth] Growth Spread = +8.2% (Analyst 13.9% - Implied 5.7%)
P/E Forward = 26.5252
P/S = 14.1594
P/B = 59.7492
P/EG = 1.6418
Revenue TTM = 32.79b USD
EBIT TTM = 19.05b USD
EBITDA TTM = 20.19b USD
Long Term Debt = 18.25b USD (from longTermDebt, last quarter)
Short Term Debt = 749.0m USD (from shortTermDebt, last quarter)
Debt = 19.00b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.87b USD (from netDebt column, last quarter)
Enterprise Value = 472.73b USD (464.30b + Debt 19.00b - CCE 10.57b)
Interest Coverage Ratio = 26.39 (Ebit TTM 19.05b / Interest Expense TTM 722.0m)
EV/FCF = 27.66x (Enterprise Value 472.73b / FCF TTM 17.09b)
FCF Yield = 3.62% (FCF TTM 17.09b / Enterprise Value 472.73b)
FCF Margin = 52.12% (FCF TTM 17.09b / Revenue TTM 32.79b)
Net Margin = 45.65% (Net Income TTM 14.97b / Revenue TTM 32.79b)
Gross Margin = 77.89% ((Revenue TTM 32.79b - Cost of Revenue TTM 7.25b) / Revenue TTM)
Gross Margin QoQ = 79.35% (prev 77.99%)
Tobins Q-Ratio = 8.73 (Enterprise Value 472.73b / Total Assets 54.16b)
Interest Expense / Debt = 0.84% (Interest Expense 159.0m / Debt 19.00b)
Taxrate = 16.74% (816.0m / 4.88b)
NOPAT = 15.86b (EBIT 19.05b * (1 - 16.74%))
Current Ratio = 1.03 (Total Current Assets 23.56b / Total Current Liabilities 22.76b)
Debt / Equity = 2.45 (Debt 19.00b / totalStockholderEquity, last quarter 7.75b)
Debt / EBITDA = 0.39 (Net Debt 7.87b / EBITDA 20.19b)
Debt / FCF = 0.46 (Net Debt 7.87b / FCF TTM 17.09b)
Total Stockholder Equity = 7.54b (last 4 quarters mean from totalStockholderEquity)
RoA = 29.28% (Net Income 14.97b / Total Assets 54.16b)
RoE = 198.4% (Net Income TTM 14.97b / Total Stockholder Equity 7.54b)
RoCE = 73.86% (EBIT 19.05b / Capital Employed (Equity 7.54b + L.T.Debt 18.25b))
RoIC = 59.90% (NOPAT 15.86b / Invested Capital 26.48b)
WACC = 8.54% (E(464.30b)/V(483.30b) * Re(8.86%) + D(19.00b)/V(483.30b) * Rd(0.84%) * (1-Tc(0.17)))
Discount Rate = 8.86% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.21%
[DCF] Terminal Value 78.93% ; FCFF base≈15.75b ; Y1≈18.66b ; Y5≈28.95b
[DCF] Fair Price = 493.0 (EV 444.33b - Net Debt 7.87b = Equity 436.45b / Shares 885.2m; r=8.54% [WACC]; 5y FCF grow 19.69% → 2.90% )
EPS Correlation: 96.22 | EPS CAGR: 15.64% | SUE: 4.0 | # QB: 2
Revenue Correlation: 97.99 | Revenue CAGR: 15.28% | SUE: 1.92 | # QB: 1
EPS next Quarter (2026-03-31): EPS=4.41 | Chg7d=+0.007 | Chg30d=+0.119 | Revisions Net=+13 | Analysts=29
EPS current Year (2026-12-31): EPS=19.52 | Chg7d=+0.033 | Chg30d=+0.405 | Revisions Net=+33 | Growth EPS=+14.8% | Growth Revenue=+12.8%
EPS next Year (2027-12-31): EPS=22.62 | Chg7d=+0.019 | Chg30d=+0.395 | Revisions Net=+28 | Growth EPS=+15.9% | Growth Revenue=+12.2%
[Analyst] Revisions Ratio: +0.68 (16 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.7% (Discount Rate 8.9% - Earnings Yield 3.1%)
[Growth] Growth Spread = +8.2% (Analyst 13.9% - Implied 5.7%)