(MA) Mastercard - Overview
Sector: Financial ServicesIndustry: Credit Services | Exchange NYSE (USA) | Currency USD | Market Cap: 432.154m | Total Return -11.1% in 12m
Stock: Payment Processing, Credit, Debit, Prepaid, Data Analytics, Security
Total Rating 70
Risk 83
Buy Signal -1.16
| Risk 5d forecast | |
|---|---|
| Volatility | 26.6% |
| Relative Tail Risk | -4.04% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.61 |
| Alpha | -20.93 |
| Character TTM | |
|---|---|
| Beta | 0.630 |
| Beta Downside | 0.939 |
| Drawdowns 3y | |
|---|---|
| Max DD | 18.92% |
| CAGR/Max DD | 0.57 |
EPS (Earnings per Share)
Revenue
Description: MA Mastercard March 05, 2026
Mastercard Inc. operates as a technology company, providing transaction processing and payment-related services globally. Its business model centers on facilitating electronic payments between consumers, merchants, and financial institutions.
The company offers a broad range of products, including credit, debit, and prepaid payment solutions for various customer segments, including account holders, businesses, and governments. A key offering, the Virtual Card Number, enhances security in business-to-business payments.
Mastercard also focuses on digital payment innovation with services like Mastercard Move, which facilitates in-app money transfers and cross-border payments. The payments industry is undergoing rapid digital transformation, with increasing adoption of mobile and online payment methods.
Beyond core payment processing, Mastercard provides security solutions, marketing services, advanced analytics, and consulting. These additional services contribute to its revenue streams, typical for established payment networks.
To deepen your understanding of Mastercards market position and financial health, further research on platforms like ValueRay can be beneficial.
Headlines to watch out for
- Cross-border transaction volume fuels revenue growth
- Consumer spending trends impact payment processing fees
- Regulatory scrutiny threatens interchange fees and network rules
- Digital payment adoption drives new revenue streams
- Cybersecurity investments increase operating expenses
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 7.71k% > 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 March 30, 2026, the stock is trading at USD 484.24 with a total of 3,962,652 shares traded.
Over the past week, the price has changed by -3.23%, over one month by -6.37%, over three months by -16.08% and over the past year by -11.14%.
Over the past week, the price has changed by -3.23%, over one month by -6.37%, over three months by -16.08% and over the past year by -11.14%.
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 | 661.1 | 36.5% |
| Analysts Target Price | 661.1 | 36.5% |
MA Fundamental Data Overview March 28, 2026
P/E Trailing = 29.3301
P/E Forward = 25.3807
P/S = 13.179
P/B = 57.2088
P/EG = 1.5865
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 = 440.59b USD (432.15b + Debt 19.00b - CCE 10.57b)
Interest Coverage Ratio = 26.39 (Ebit TTM 19.05b / Interest Expense TTM 722.0m)
EV/FCF = 25.78x (Enterprise Value 440.59b / FCF TTM 17.09b)
FCF Yield = 3.88% (FCF TTM 17.09b / Enterprise Value 440.59b)
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 = 8.14 (Enterprise Value 440.59b / 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 = 7.88% (E(432.15b)/V(451.15b) * Re(8.20%) + D(19.00b)/V(451.15b) * Rd(0.84%) * (1-Tc(0.17)))
Discount Rate = 8.20% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.21%
[DCF] Terminal Value 81.43% ; FCFF base≈15.75b ; Y1≈18.66b ; Y5≈29.00b
[DCF] Fair Price = 571.8 (EV 514.00b - Net Debt 7.87b = Equity 506.13b / Shares 885.2m; r=7.88% [WACC]; 5y FCF grow 19.69% → 3.0% )
EPS Correlation: 96.80 | EPS CAGR: 15.64% | SUE: 4.0 | # QB: 1
Revenue Correlation: 97.99 | Revenue CAGR: 15.28% | SUE: 1.92 | # QB: 1
EPS next Quarter (2026-06-30): EPS=4.85 | Chg7d=+0.002 | Chg30d=+0.006 | Revisions Net=+1 | Analysts=25
EPS current Year (2026-12-31): EPS=19.60 | Chg7d=+0.015 | Chg30d=+0.065 | Revisions Net=+3 | Growth EPS=+15.2% | Growth Revenue=+12.8%
EPS next Year (2027-12-31): EPS=22.65 | Chg7d=+0.017 | Chg30d=+0.035 | Revisions Net=+3 | Growth EPS=+15.6% | Growth Revenue=+12.2%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 4.8% (Discount Rate 8.2% - Earnings Yield 3.4%)
[Growth] Growth Spread = +7.4% (Analyst 12.2% - Implied 4.8%)
P/E Forward = 25.3807
P/S = 13.179
P/B = 57.2088
P/EG = 1.5865
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 = 440.59b USD (432.15b + Debt 19.00b - CCE 10.57b)
Interest Coverage Ratio = 26.39 (Ebit TTM 19.05b / Interest Expense TTM 722.0m)
EV/FCF = 25.78x (Enterprise Value 440.59b / FCF TTM 17.09b)
FCF Yield = 3.88% (FCF TTM 17.09b / Enterprise Value 440.59b)
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 = 8.14 (Enterprise Value 440.59b / 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 = 7.88% (E(432.15b)/V(451.15b) * Re(8.20%) + D(19.00b)/V(451.15b) * Rd(0.84%) * (1-Tc(0.17)))
Discount Rate = 8.20% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.21%
[DCF] Terminal Value 81.43% ; FCFF base≈15.75b ; Y1≈18.66b ; Y5≈29.00b
[DCF] Fair Price = 571.8 (EV 514.00b - Net Debt 7.87b = Equity 506.13b / Shares 885.2m; r=7.88% [WACC]; 5y FCF grow 19.69% → 3.0% )
EPS Correlation: 96.80 | EPS CAGR: 15.64% | SUE: 4.0 | # QB: 1
Revenue Correlation: 97.99 | Revenue CAGR: 15.28% | SUE: 1.92 | # QB: 1
EPS next Quarter (2026-06-30): EPS=4.85 | Chg7d=+0.002 | Chg30d=+0.006 | Revisions Net=+1 | Analysts=25
EPS current Year (2026-12-31): EPS=19.60 | Chg7d=+0.015 | Chg30d=+0.065 | Revisions Net=+3 | Growth EPS=+15.2% | Growth Revenue=+12.8%
EPS next Year (2027-12-31): EPS=22.65 | Chg7d=+0.017 | Chg30d=+0.035 | Revisions Net=+3 | Growth EPS=+15.6% | Growth Revenue=+12.2%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 4.8% (Discount Rate 8.2% - Earnings Yield 3.4%)
[Growth] Growth Spread = +7.4% (Analyst 12.2% - Implied 4.8%)