Stock · MA · Financial Services
United States · Large Cap · listed since 2006 · Revenue 12 mo. $35.1B
Price as of 11/06/2026
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally.
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. The company offers products and services for account holders, merchants, financial institutions, digital partners, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid programs services; consumer bill payment services; and commercial credit, debit, and prepaid payment products and solutions. It also provides solutions that enable businesses or governments to make payments to businesses, including Virtual Card Number, which is generated dynamically from an existing account and leverages the credit limit of the funding account; and a platform to optimize supplier payment enablement campaigns for financial institutions. In addition, the company offers Mastercard Move, which partners with digital messaging and payment platforms to enable consumers to send money directly within applications to other consumers; and partners with central banks, fintechs, and financial institutions, as well as enables various cross-border payment flows. Further, it provides security solutions; marketing, personalization, and issuer and merchant loyalty services; business and operational intelligence, advanced analytics and AI, consulting and agentic solutions, and payments and portfolio optimization; digital and authentication; processing and gateway solutions; and other solutions. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus names. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.
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Summary
65.4 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
If free cash flow stays at €14.7B (2025), it supports €163.9B. The remaining €330.8B of the market value assume it grows 15.4% a year for 10 years and not at all afterwards.
Required FCF growth per year
15.4%
no growth afterwards
Price to operating cash flow 33.1×, within its usual range.
Middle half of 20 quarters: 29.8× to 33.8×, median 32.3×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
with respect to the priced-in expectation
Since the last quarter
Q1 → Q2 2026
3 more unchanged: Revenue, 12 mo., Gross margin, EBIT margin
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 193.46% | 12.46% | Rank 100 |
| Return on capital (Greenblatt) | 609.78% | 59.04% | Rank 94 |
| EBIT margin | 57.63% | 23.06% | Rank 92 |
| FCF margin | 50.11% | 19.82% | Rank 83 |
| Gross margin | 100.00% | 65.53% | Rank 93 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 16.42% | 7.39% | Rank 70 |
| Earnings growth, 3 years per year | 17.34% | 15.20% | Rank 56 |
| Earnings growth, 5 years per year | 20.99% | 15.17% | Rank 65 |
| Sustainable growth (ROE × retained earnings) | 3.71% | 1.25% | Rank 82 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 2.53% | 6.47% | Rank 7 |
| FCF yield | 2.98% | 7.16% | Rank 23 |
| EV/saleslower is better | 17.06 | 2.82 | Rank 6 |
| EV/EBITlower is better | 29.60 | 14.24 | Rank 16 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 8.36% | 7.80% | Rank 52 |
| Share price, 6 months | 32.21% | 8.71% | Rank 96 |
| Share price, 3 months | 21.07% | 0.45% | Rank 97 |
| Distance from 52-week high | −2.97% | −10.68% | Rank 85 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | −2.58% | 1.23% | Rank 92 |
| Change in share countlower is better | −2.27% | −0.60% | Rank 71 |
| Dividend streak in years | 19 | 5 | Rank 91 |
| Price reaction to results, market-adjusted | 4.21% | 0.00% | Rank 92 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 14.29% | 9.21% | Rank 65 |
| Net debt/EBITDAlower is better | 0.39 | 0.12 | Rank 46 |
| Debt to equitylower is better | 2.46 | 0.90 | Rank 23 |
| Volatility, 1 yearlower is better | 23.02% | 25.95% | Rank 67 |
Ten years in figures
| Year | Revenue, $B | EBIT margin | FCF, $B | Shares | Net debt |
|---|---|---|---|---|---|
| 2016 | 10.8 | 53.5% | 4.1 | 1.10B | −$1.5B |
| 2017 | 12.5 | 53.0% | 5.1 | 1.07B | −$509.0M |
| 2018 | 15.0 | 48.7% | 5.7 | 1.05B | −$348.0M |
| 2019 | 16.9 | 57.2% | 7.5 | 1.02B | $1.5B |
| 2020 | 15.3 | 52.8% | 6.5 | 1.01B | $2.6B |
| 2021 | 18.9 | 53.4% | 8.6 | 992M | $6.5B |
| 2022 | 22.2 | 57.2% | 10.1 | 971M | $7.0B |
| 2023 | 25.1 | 58.3% | 11.6 | 946M | $7.1B |
| 2024 | 28.2 | 58.0% | 14.3 | 927M | $9.8B |
| 2025 | 32.8 | 57.6% | 16.4 | 906M | $8.4B |
5 of 7 StockScorer Score rules met · How the score is built
Mastercard Inc mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Mastercard Inc. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
5 of 7 rules met
8 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Mastercard Inc.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 39.5 | 15.2 |
| P/B ratio | 76.4 | 1.8 |
| Return on equity (ROE) | 193.5% | 12.5% |
| Equity ratio | 14.3% | 9.2% |
| Debt-to-equity (D/E) | 2.46 | 0.90 |
| Dividend yield | 0.5% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| MA | Mastercard Incthis page | |
| V | Visa Inc. Class A | Low5.5 |
| AXP | American Express Company | Low7.3 |
| COF | Capital One Financial Corporation | Low5.5 |
| BAJFINANCE.NS | Bajaj Finance Limited | locked |
| PYPL | PayPal Holdings Inc | locked |
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Learn more about the metrics in the metrics glossary or all rated stocks in the stock overview.
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