Overview Dividends

(MA) Mastercard - Ratings and Ratios

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

Payment, Processing, Credit, Debit, Prepaid

MA EPS (Earnings per Share)

EPS Growth (3Y CAGR): 20.05%
EPS Trend (3Y Correlation): 96.5%

MA Revenue

Revenue Growth (3Y CAGR): 15.29%
Revenue Trend (3Y Correlation): 96.1%

Risk via 10d forecast
Volatility	19.1%
Value at Risk 5%th	29.1%

Reward
Sharpe Ratio	0.24
Alpha	-8.33

Character
Hurst Exponent	0.376
Beta	0.868

Drawdowns 3y
Max DD	16.73%
Mean DD	3.50%

Description: MA Mastercard September 24, 2025

Mastercard Incorporated is a technology-focused payment processor that delivers transaction-processing and a broad suite of payment-related services to account holders, merchants, financial institutions, digital partners, governments and other organizations worldwide.

Its product portfolio includes credit-deferment programs, debit and prepaid solutions, consumer bill-payment services, and commercial credit, debit and prepaid offerings, as well as specialized tools such as Virtual Card Numbers that dynamically generate card data tied to a funding account’s credit limit.

The firm also enables business-to-business and government-to-business payments through a supplier-payment platform, and offers “Mastercard Move,” which lets consumers send money directly within messaging and payment apps.

Beyond core transaction processing, Mastercard provides security solutions, personalization and loyalty services, advanced analytics, economic and location-based insights, payments consulting, gateway services, and open-banking APIs under the MasterCard, Maestro and Cirrus brands.

Key recent metrics: FY 2023 net revenue reached $25.0 billion, up ~12% year-over-year, driven by a 7.5 billion-transaction volume increase and higher cross-border spend; the company projects FY 2024 revenue growth of 8-10% as real-time payments and digital-wallet adoption accelerate globally. Sector-wide, the shift toward cashless commerce and rising e-commerce penetration remain primary growth catalysts, while higher interest rates could temper credit-card utilization.

For a deeper, data-driven look at how these trends translate into valuation outlooks, you may find the analyst notes on ValueRay worth a quick review.

MA Stock Overview

Market Cap in USD	495,667m
Sub-Industry	Transaction & Payment Processing Services
IPO / Inception	2006-05-25
Return 12m vs S&P 500	-8.93%
Analyst Rating	4.19 of 5

MA Dividends

Dividend Yield	0.55%
Yield on Cost 5y	0.95%
Yield CAGR 5y	13.34%
Payout Consistency	99.2%
Payout Ratio	18.9%

MA Growth Ratios

CAGR	18.55%
CAGR/Max DD Calmar Ratio	1.11
CAGR/Mean DD Pain Ratio	5.30
Current Volume	1608k
Average Volume	2653.9k

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

(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) 92.73

1. Piotroski 9.0pt = 4.0

2. FCF Yield 3.37% = 1.69

3. FCF Margin 54.04% = 7.50

4. Debt/Equity 2.40 = 0.16

5. Debt/Ebitda 0.45 = 2.35

6. ROIC - WACC (= 46.85)% = 12.50

7. RoE 196.9% = 2.50

8. Rev. Trend 96.13% = 7.21

9. EPS Trend 96.48% = 4.82

What is the price of MA shares?

As of November 12, 2025, the stock is trading at USD 552.96 with a total of 1,608,001 shares traded.
Over the past week, the price has changed by +1.63%, over one month by -0.81%, over three months by -3.47% and over the past year by +4.91%.

Is Mastercard a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Mastercard (NYSE:MA) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 92.73 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MA is around 545.92 USD . This means that MA is currently overvalued and has a potential downside of -1.27%.

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	657.1	18.8%
Analysts Target Price	657.1	18.8%
ValueRay Target Price	610.9	10.5%

MA Fundamental Data Overview November 09, 2025

Market Cap USD = 495.67b (495.67b USD * 1.0 USD.USD)
P/E Trailing = 35.3374
P/E Forward = 30.6748
P/S = 15.7485
P/B = 66.4604
P/EG = 1.9591
Beta = 0.868
Revenue TTM = 31.47b USD
EBIT TTM = 18.22b USD
EBITDA TTM = 19.29b USD
Long Term Debt = 17.48b USD (from longTermDebt, last fiscal year)
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 = 504.00b USD (495.67b + Debt 18.98b - CCE 10.65b)
Interest Coverage Ratio = 24.39 (Ebit TTM 18.22b / Interest Expense TTM 747.0m)
FCF Yield = 3.37% (FCF TTM 17.01b / Enterprise Value 504.00b)
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 = 9.46 (Enterprise Value 504.00b / 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 = 73.71% (EBIT 18.22b / Capital Employed (Equity 7.24b + L.T.Debt 17.48b))
RoIC = 55.75% (NOPAT 14.31b / Invested Capital 25.67b)
WACC = 8.90% (E(495.67b)/V(514.65b) * Re(9.21%) + D(18.98b)/V(514.65b) * Rd(0.98%) * (1-Tc(0.21)))
Discount Rate = 9.21% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.83%
[DCF Debug] Terminal Value 76.16% ; FCFE base≈15.43b ; Y1≈17.55b ; Y5≈24.11b
Fair Price DCF = 379.3 (DCF Value 338.05b / Shares Outstanding 891.3m; 5y FCF grow 16.08% → 3.0% )
EPS Correlation: 96.48 | EPS CAGR: 20.05% | SUE: 1.77 | # QB: 6
Revenue Correlation: 96.13 | Revenue CAGR: 15.29% | SUE: 0.63 | # QB: 0

Additional Sources for MA Stock

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Fund Manager Positions: Dataroma | Stockcircle