MA Stock Analysis: Mastercard | NYSE
Credit Services | NYSE, USA | Market Cap: 476.596m USD | 12M Return: -4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.06B
EPS Trend: 99.8%
Qual. Beats: 8
Rev. Trend: 99.7%
Qual. Beats: 2
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Mastercard Incorporated (NYSE: MA) is a global technology company specializing in transaction processing and payment-related products and services, operating across the United States and international markets. The company serves a broad customer base including account holders, merchants, financial institutions, digital partners, businesses, and governments, generating revenue through fees on transaction volumes processed over its network rather than from interest income, distinguishing it as a network operator rather than a lender.
The companys offerings span consumer and commercial payment solutions, including credit and debit products, prepaid programs, consumer bill payment services, and deferred payment programs for issuers. It also provides B2B payment solutions such as Virtual Card Numbers, supplier payment enablement platforms, and Mastercard Move, which facilitates cross-border consumer and business money transfers in partnership with fintechs, central banks, and financial institutions.
Mastercard further offers value-added services including fraud and security solutions, marketing and loyalty programs, AI-driven analytics, consulting and agentic solutions, digital authentication, and processing and gateway services. Within the Financials sector (GICS Sub Industry: Transaction & Payment Processing Services), Mastercard operates one of the two dominant global card payment networks alongside Visa. The companys services are marketed under the MasterCard, Maestro, and Cirrus brand names. Mastercard was founded in 1966 and is headquartered in Purchase, New York.
- Cross-border transaction volume accelerates on global travel recovery
- Network fee increases boost operating margins and earnings
- Regulatory caps on interchange fees pressure revenue growth
| Net Income: 15.6b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.34 > 0.02 and ΔFCF/TA 3.84 > 1.0 |
| NWC/Revenue: -1.28% < 20% (prev 6.80%; Δ -8.08% < -1%) |
| CFO/TA 0.35 > 3% & CFO 18.2b > Net Income 15.6b |
| Net Debt (10.7b) to EBITDA (21.2b): 0.51 < 3 |
| Current Ratio: 0.98 > 1.5 & < 3 |
| Outstanding Shares: last quarter (893.0m) vs 12m ago -2.30% < -2% |
| Gross Margin: 77.61% > 18% (prev 76.45%; Δ 1.16% > 0.5%) |
| Asset Turnover: 67.26% > 50% (prev 59.97%; Δ 7.29% > 0%) |
| Interest Coverage Ratio: 27.23 > 6 (EBIT TTM 19.7b / Interest Expense TTM 725.0m) |
| A: -0.01 (Total Current Assets 22.5b - Total Current Liabilities 22.9b) / Total Assets 52.4b |
| B: 1.68 (Retained Earnings 88.1b / Total Assets 52.4b) |
| C: 0.39 (EBIT TTM 19.7b / Avg Total Assets 50.5b) |
| D: 0.15 (Book Value of Equity 6.72b / Total Liabilities 45.7b) |
| Altman-Z'' = 8.21 = AAA |
| DSRI: 1.02 (Receivables 4.72b/3.96b, Revenue 33.9b/29.1b) |
| GMI: 0.99 (GM 76.45% / 77.61%) |
| AQI: 0.96 (AQ_t 0.53 / AQ_t-1 0.55) |
| SGI: 1.17 (Revenue 33.9b / 29.1b) |
| TATA: -0.05 (NI 15.6b - CFO 18.2b) / TA 52.4b) |
| Beneish M = -2.93 (Cap -4..+1) = A |
As of July 06, 2026, the stock is trading at USD 539.39 with a total of 3,900,700 shares traded. Over the past week, the price has changed by +10.32%, over one month by +9.84%, over three months by +7.74% and over the past year by -3.99%.
Current recommended Stop Loss: 523.10 (which is 3% or 1.4 ATR below the current price).
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
| Analysts Target Price | 643.6 | 19.3% |
P/E Trailing = 31.2509
P/E Forward = 26.5957
P/S = 14.0427
P/B = 68.7036
P/EG = 1.6075
Revenue TTM = 33.9b USD
EBIT TTM = 19.7b USD
EBITDA TTM = 21.2b USD
Long Term Debt = 17.2b USD (from longTermDebt, last quarter)
Short Term Debt = 1.75b USD (from shortTermDebt, last quarter)
Debt = 19.0b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 10.7b USD (calculated: Debt 19.0b - CCE 8.22b)
Enterprise Value = 487b USD (477b + Debt 19.0b - CCE 8.22b)
Interest Coverage Ratio = 27.23 (Ebit TTM 19.7b / Interest Expense TTM 725.0m)
EV/FCF = 27.51x (Enterprise Value 487b / FCF TTM 17.7b)
FCF Yield = 3.64% (FCF TTM 17.7b / Enterprise Value 487b)
FCF Margin = 52.20% (FCF TTM 17.7b / Revenue TTM 33.9b)
Net Margin = 45.88% (Net Income TTM 15.6b / Revenue TTM 33.9b)
Gross Margin = 77.61% ((Revenue TTM 33.9b - Cost of Revenue TTM 7.60b) / Revenue TTM)
Gross Margin QoQ = 75.74% (prev 79.35%)
Tobins Q-Ratio = 9.29 (Enterprise Value 487b / Total Assets 52.4b)
Interest Expense / Debt = 3.82% (Interest Expense 725.0m / Debt 19.0b)
Taxrate = 19.57% (3.79b / 19.4b)
NOPAT = 15.9b (EBIT 19.7b * (1 - 19.57%))
Current Ratio = 0.98 (Total Current Assets 22.5b / Total Current Liabilities 22.9b)
Debt / Equity = 2.82 (Debt 19.0b / totalStockholderEquity, last quarter 6.72b)
Debt / EBITDA = 0.51 (Net Debt 10.7b / EBITDA 21.2b)
Debt / FCF = 0.61 (Net Debt 10.7b / FCF TTM 17.7b)
Total Stockholder Equity = 7.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 30.86% (Net Income 15.6b / Total Assets 52.4b)
RoE = 206.1% (Net Income TTM 15.6b / Total Stockholder Equity 7.55b)
RoCE = 79.73% (EBIT 19.7b / Capital Employed (Equity 7.55b + L.T.Debt 17.2b))
RoIC = 53.71% (NOPAT 15.9b / Invested Capital 29.6b)
WACC = 7.50% (E(477b)/V(496b) * Re(7.68%) + D(19.0b)/V(496b) * Rd(3.82%) * (1-Tc(0.20)))
Discount Rate = 7.68% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -2.21%
[DCF] Terminal Value 77.97% ; FCFF base≈16.4b ; Y1≈18.8b ; Y5≈27.7b
[DCF] Fair Price = 463.5 (EV 417b - Net Debt 10.7b = Equity 407b / Shares 877.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 99.76 | EPS CAGR: 18.19% | SUE: 1.28 | # QB: 8
Revenue Correlation: 99.69 | Revenue CAGR: 14.04% | SUE: 3.39 | # QB: 2
EPS current Quarter (2026-06-30): EPS=4.76 | Chg30d=+0.01% | Revisions=-88% | Analysts=29
EPS next Quarter (2026-09-30): EPS=5.11 | Chg30d=-0.02% | Revisions=-56% | Analysts=28
EPS current Year (2026-12-31): EPS=19.66 | Chg30d=+0.09% | Revisions=+30% | GrowthEPS=+15.6% | GrowthRev=+13.1%
EPS next Year (2027-12-31): EPS=22.79 | Chg30d=+0.09% | Revisions=+0% | GrowthEPS=+15.9% | GrowthRev=+12.5%
[Analyst] Revisions Ratio: -33% (up=26, down=53)