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Company Analysis

Mastercard Incorporated MA

A comprehensive view of key metrics, scores, and financial health for Mastercard Incorporated

Overview of Mastercard Incorporated

MA NYQ
Financial Services Credit Services Mega Cap
Mastercard Incorporated (MA), is a Mega Cap company, in the Credit Services industry, last closed at $506.43, about 98.2% overvalued vs fair value, -7.4% 1Y return, placing in the top 25% of its sector.
Metrics P/E 34.6× Rev Growth 16.4% ROE 210.5% Gross Margin 77.9% Div Yield 0.54%
$506.43
0.23%
As of April 28, 2026
Previous close • Vol 90d: 23.2%
52-Week Range
Market Cap
$448.30B
Enterprise Value
$456.73B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Excellent
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Excellent
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 54%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.mastercard.com
HQ Purchase, NY
Employees 39,800
Fiscal year Dec 31

Next Events

Earnings Apr 30 Estimated
Dividend May 8

Fair Value Snapshot

Bear Base Bull
$5
$9
$17
Current: $506.43 -98% vs base

Engine Room Money Flow™

Mega Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$485.0M
39.4%%
Interest Expense
$722.0M
Net Interest Income
$-722.0M
-11.8%%
Total Revenue
$32.8B
16.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
193.5%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$14.5B
96.8% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Mastercard Incorporated's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
78
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Strong
80
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing MA's balance between Growth (36.0%), Profitability (31.1%), and Safety (33.0%). Growth 36% Safety 33% Profitability 31%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

53th percentile vs peers
53
Key Signals
Asset Growth YoY 12.6% 64p Equity Growth YoY 19.3% 81p NII Growth YoY -11.8% 28p EPS Growth YoY 19.0% 45p
Strengths
  • Equity Growth YoY in top 20% of peers (19.3%, 81th percentile)
  • ROE in top 20% of peers (2.10, 96th percentile)
  • ROA in top 20% of peers (29.3%, 96th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

45th percentile vs peers
46
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
49
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Mastercard Incorporated.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$8.92
- - -
-98.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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