(MA) Mastercard - Ratings and Ratios
Payment, Processing, Credit, Debit, Prepaid
MA EPS (Earnings per Share)
MA Revenue
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 | 518,695m |
| Sub-Industry | Transaction & Payment Processing Services |
| IPO / Inception | 2006-05-25 |
MA Stock Ratings
| Growth Rating | 84.6% |
| Fundamental | 91.0% |
| Dividend Rating | 63.8% |
| Return 12m vs S&P 500 | -5.14% |
| Analyst Rating | 4.19 of 5 |
MA Dividends
| Dividend Yield 12m | 0.53% |
| Yield on Cost 5y | 1.07% |
| Annual Growth 5y | 13.34% |
| Payout Consistency | 99.2% |
| Payout Ratio | 19.5% |
MA Growth Ratios
| Growth Correlation 3m | -25.1% |
| Growth Correlation 12m | 75.8% |
| Growth Correlation 5y | 86.5% |
| CAGR 5y | 21.30% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.27 |
| CAGR/Mean DD 3y (Pain Ratio) | 6.20 |
| Sharpe Ratio 12m | 1.30 |
| Alpha | -7.42 |
| Beta | 0.967 |
| Volatility | 19.50% |
| Current Volume | 2936.6k |
| Average Volume 20d | 2573.9k |
| Stop Loss | 555.1 (-3%) |
| Signal | 0.22 |
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) 90.96
| 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 0.55 = 2.27 |
| 6. ROIC - WACC (= 43.68)% = 12.50 |
| 7. RoE 190.9% = 2.50 |
| 8. Rev. Trend 95.83% = 7.19 |
| 9. EPS Trend 96.20% = 4.81 |
What is the price of MA shares?
Over the past week, the price has changed by +1.06%, over one month by +0.88%, over three months by +0.85% and over the past year by +13.27%.
Is Mastercard a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MA is around 597.92 USD . This means that MA is currently overvalued and has a potential downside of 4.47%.
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 | 651.4 | 13.8% |
| Analysts Target Price | 651.4 | 13.8% |
| ValueRay Target Price | 671.3 | 17.3% |
MA Fundamental Data Overview October 25, 2025
P/E Trailing = 38.7615
P/E Forward = 30.6748
P/S = 17.152
P/B = 66.4604
P/EG = 1.9591
Beta = 0.967
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 = 750.0m USD (from shortTermDebt, last fiscal year)
Debt = 18.97b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 9.94b USD (from netDebt column, last quarter)
Enterprise Value = 528.63b USD (518.69b + 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 528.63b)
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)
Gross Margin QoQ = 77.23% (prev 76.72%)
Tobins Q-Ratio = 10.28 (Enterprise Value 528.63b / Total Assets 51.43b)
Interest Expense / Debt = 1.03% (Interest Expense 195.0m / Debt 18.97b)
Taxrate = 20.78% (971.0m / 4.67b)
NOPAT = 13.61b (EBIT 17.18b * (1 - 20.78%))
Current Ratio = 1.16 (Total Current Assets 22.14b / Total Current Liabilities 19.03b)
Debt / Equity = 2.41 (Debt 18.97b / totalStockholderEquity, last quarter 7.87b)
Debt / EBITDA = 0.55 (Net Debt 9.94b / EBITDA 18.19b)
Debt / FCF = 0.61 (Net Debt 9.94b / FCF TTM 16.39b)
Total Stockholder Equity = 7.12b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 7.12b + L.T.Debt 18.97b))
RoIC = 52.95% (NOPAT 13.61b / Invested Capital 25.70b)
WACC = 9.27% (E(518.69b)/V(537.66b) * Re(9.58%) + D(18.97b)/V(537.66b) * Rd(1.03%) * (1-Tc(0.21)))
Discount Rate = 9.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.61%
[DCF Debug] Terminal Value 74.97% ; FCFE base≈14.31b ; Y1≈16.28b ; Y5≈22.37b
Fair Price DCF = 329.4 (DCF Value 295.59b / Shares Outstanding 897.3m; 5y FCF grow 16.08% → 3.0% )
EPS Correlation: 96.20 | EPS CAGR: 17.24% | SUE: 2.85 | # QB: 5
Revenue Correlation: 95.83 | Revenue CAGR: 13.39% | SUE: 0.66 | # QB: 0
Additional Sources for MA Stock
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Fund Manager Positions: Dataroma | Stockcircle