Overview Dividends

(MA) Mastercard - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US57636Q1040

Cards, Processing, Gateway, Analytics, Cross-Border

Transaction & Payment Processing Services
Market Cap in USD: 523,965m
IPO / Inception: 2006-05-25
Return 12m vs S&P 500: -6.58%

EPS (Earnings per Share)

EPS (Earnings per Share) of MA over the last years for every Quarter: "2020-12": 1.64, "2021-03": 1.74, "2021-06": 1.95, "2021-09": 2.37, "2021-12": 2.35, "2022-03": 2.76, "2022-06": 2.56, "2022-09": 2.68, "2022-12": 2.65, "2023-03": 2.8, "2023-06": 2.89, "2023-09": 3.39, "2023-12": 3.18, "2024-03": 3.31, "2024-06": 3.59, "2024-09": 3.89, "2024-12": 3.82, "2025-03": 3.73, "2025-06": 4.07, "2025-09": 4.38,
EPS CAGR: 18.06%
EPS Trend: 96.6%
Last SUE: 1.41
Qual. Beats: 6

Revenue

Revenue of MA over the last years for every Quarter: 2020-12: 4120, 2021-03: 4155, 2021-06: 4528, 2021-09: 4985, 2021-12: 5216, 2022-03: 5167, 2022-06: 5497, 2022-09: 5756, 2022-12: 5817, 2023-03: 5748, 2023-06: 6269, 2023-09: 6533, 2023-12: 6548, 2024-03: 6348, 2024-06: 6961, 2024-09: 7369, 2024-12: 7489, 2025-03: 7250, 2025-06: 8133, 2025-09: 8602,
Rev. CAGR: 14.27%
Rev. Trend: 97.9%
Last SUE: 0.63
Qual. Beats: 0

Dividends

Dividend Yield 0.67%
Yield on Cost 5y 1.17%
Yield CAGR 5y 13.34%
Payout Consistency 94.3%
Payout Ratio 19.7%
Risk via 5d forecast
Volatility 16.8%
Value at Risk 5%th 27.1%
Relative Tail Risk -1.65%
Reward TTM
Sharpe Ratio 0.30
Alpha -3.98
CAGR/Max DD 1.16
Character TTM
Hurst Exponent 0.394
Beta 0.754
Beta Downside 0.785
Drawdowns 3y
Max DD 16.73%
Mean DD 3.71%
Median DD 3.02%

Description: MA Mastercard December 01, 2025

Mastercard Inc. (NYSE: MA) is a global technology-driven payments network that processes transactions and offers a suite of value-added services for consumers, merchants, financial institutions, governments and digital partners. Its portfolio includes credit, debit and prepaid products, merchant-centric solutions such as Virtual Card Numbers, B2B payment platforms, and open-banking APIs, as well as analytics, security and loyalty services delivered under the Mastercard, Maestro and Cirrus brands.

In FY 2023 the company generated $24.1 billion in net revenue, with a 12 % year-over-year increase in total payment volume driven by continued e-commerce growth and expanding cross-border transactions. Net income rose to $9.1 billion, reflecting an operating margin above 55 %, while the adoption of real-time payments and “Buy-Now-Pay-Later” (BNPL) programs remains a key catalyst for future earnings. Macro-level drivers include rising consumer spending, the ongoing shift from cash to digital wallets, and regulatory trends that favor interoperable, low-cost payment infrastructures.

For a deeper, data-rich assessment of Mastercard’s valuation and risk profile, you may find ValueRay’s analytical tools worth exploring.

Piotroski VR‑10 (Strict, 0-10) 9.0

Net Income (14.25b TTM) > 0 and > 6% of Revenue (6% = 1.89b TTM)
FCFTA 0.32 (>2.0%) and ΔFCFTA 4.28pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 8.04% (prev 18.39%; Δ -10.35pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.33 (>3.0%) and CFO 17.48b > Net Income 14.25b (YES >=105%, WARN >=100%)
Net Debt (8.67b) to EBITDA (19.29b) ratio: 0.45 <= 3.0 (WARN <= 3.5)
Current Ratio 1.12 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (905.0m) change vs 12m ago -2.16% (target <= -2.0% for YES)
Gross Margin 77.49% (prev 75.95%; Δ 1.54pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 62.62% (prev 57.64%; Δ 4.98pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 24.39 (EBITDA TTM 19.29b / Interest Expense TTM 747.0m) >= 6 (WARN >= 3)

Altman Z'' 9.62

(A) 0.05 = (Total Current Assets 23.22b - Total Current Liabilities 20.69b) / Total Assets 53.29b
(B) 1.53 = Retained Earnings (Balance) 81.75b / Total Assets 53.29b
warn (B) unusual magnitude: 1.53 — check mapping/units
(C) 0.36 = EBIT TTM 18.22b / Avg Total Assets 50.26b
(D) 1.78 = Book Value of Equity 80.82b / Total Liabilities 45.37b
Total Rating: 9.62 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 92.78

1. Piotroski 9.0pt
2. FCF Yield 3.19%
3. FCF Margin 54.04%
4. Debt/Equity 2.40
5. Debt/Ebitda 0.45
6. ROIC - WACC (= 46.58)%
7. RoE 196.9%
8. Rev. Trend 97.87%
9. EPS Trend 96.62%

What is the price of MA shares?

As of December 29, 2025, the stock is trading at USD 579.60 with a total of 729,139 shares traded.
Over the past week, the price has changed by +0.68%, over one month by +5.28%, over three months by +2.15% and over the past year by +10.92%.

Is MA a buy, sell or hold?

Mastercard has received a consensus analysts rating of 4.19. Therefore, it is recommended to buy MA.
  • 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 657.9 13.5%
Analysts Target Price 657.9 13.5%
ValueRay Target Price 667.5 15.2%

MA Fundamental Data Overview December 27, 2025

Market Cap USD = 523.97b (523.97b USD * 1.0 USD.USD)
P/E Trailing = 37.0351
P/E Forward = 30.3951
P/S = 16.6476
P/B = 65.85
P/EG = 1.8829
Beta = 0.868
Revenue TTM = 31.47b USD
EBIT TTM = 18.22b USD
EBITDA TTM = 19.29b USD
Long Term Debt = 18.98b USD (from longTermDebt, last quarter)
Short Term Debt = 750.0m USD (from shortTermDebt, last fiscal year)
Debt = 18.98b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 8.67b USD (from netDebt column, last quarter)
Enterprise Value = 532.64b USD (523.97b + Debt 18.98b - CCE 10.31b)
Interest Coverage Ratio = 24.39 (Ebit TTM 18.22b / Interest Expense TTM 747.0m)
FCF Yield = 3.19% (FCF TTM 17.01b / Enterprise Value 532.64b)
FCF Margin = 54.04% (FCF TTM 17.01b / Revenue TTM 31.47b)
Net Margin = 45.28% (Net Income TTM 14.25b / Revenue TTM 31.47b)
Gross Margin = 77.49% ((Revenue TTM 31.47b - Cost of Revenue TTM 7.09b) / Revenue TTM)
Gross Margin QoQ = 77.99% (prev 77.23%)
Tobins Q-Ratio = 10.00 (Enterprise Value 532.64b / Total Assets 53.29b)
Interest Expense / Debt = 0.98% (Interest Expense 186.0m / Debt 18.98b)
Taxrate = 21.44% (1.07b / 5.00b)
NOPAT = 14.31b (EBIT 18.22b * (1 - 21.44%))
Current Ratio = 1.12 (Total Current Assets 23.22b / Total Current Liabilities 20.69b)
Debt / Equity = 2.40 (Debt 18.98b / totalStockholderEquity, last quarter 7.92b)
Debt / EBITDA = 0.45 (Net Debt 8.67b / EBITDA 19.29b)
Debt / FCF = 0.51 (Net Debt 8.67b / FCF TTM 17.01b)
Total Stockholder Equity = 7.24b (last 4 quarters mean from totalStockholderEquity)
RoA = 26.74% (Net Income 14.25b / Total Assets 53.29b)
RoE = 196.9% (Net Income TTM 14.25b / Total Stockholder Equity 7.24b)
RoCE = 69.47% (EBIT 18.22b / Capital Employed (Equity 7.24b + L.T.Debt 18.98b))
RoIC = 55.09% (NOPAT 14.31b / Invested Capital 25.97b)
WACC = 8.51% (E(523.97b)/V(542.95b) * Re(8.79%) + D(18.98b)/V(542.95b) * Rd(0.98%) * (1-Tc(0.21)))
Discount Rate = 8.79% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.83%
[DCF Debug] Terminal Value 77.54% ; FCFE base≈15.43b ; Y1≈17.55b ; Y5≈24.11b
Fair Price DCF = 407.3 (DCF Value 363.03b / Shares Outstanding 891.3m; 5y FCF grow 16.08% → 3.0% )
EPS Correlation: 96.62 | EPS CAGR: 18.06% | SUE: 1.41 | # QB: 6
Revenue Correlation: 97.87 | Revenue CAGR: 14.27% | SUE: 0.63 | # QB: 0
EPS next Quarter (2026-03-31): EPS=4.29 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=21
EPS next Year (2026-12-31): EPS=19.11 | Chg30d=-0.001 | Revisions Net=+1 | Growth EPS=+16.1% | Growth Revenue=+12.5%

Additional Sources for MA Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle