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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 Framework: Software & SaaS Mega Cap
Mastercard Incorporated (MA), is a Mega Cap company, in the Credit Services industry, last closed at $613.50, about 69.5% overvalued vs fair value, +8.4% 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%
USD 613.50
-1.62%
(Delayed)
• Vol 90d: 20.5%
52-Week Range
Market Cap
$537.43B
Enterprise Value
$550.78B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Good
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Good
Completeness: 100%
Confidence: 94%
Updated: Oct 24
Top Beats

Quick Facts

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

Next Events

Earnings Oct 29 Call: Oct 29
Dividend Nov 9

Fair Value Snapshot

Bear Base Bull
$173
$187
$203
Current: $613.50 -70% vs base

Engine Room Money Flow™

Mega Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$32.8B
16.4%%
Gross Profit
$25.5B
18.8%%
Operating Income (GAAP)
$18.9B
21.3%%
Operating Cash Flow
$17.6B
19.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
77.9%
Excellent

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$14.5B
88.1% of FCF

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
84
/100
Strong
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Premium Software Margins Gross margin quality is strong versus peers (score 0.99), consistent with premium software economics.
  • Revenue Converts Cleanly to Cash Cash conversion is strong (score 0.97), showing scalable economics.

Key risks

  • Liquidity Cushion Looks Thin Liquidity position is weak (score 0.34), leaving less room for error.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Pricing Power

Strong
91
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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Recurring Revenue Stickiness

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Signals, strengths and risks for Innovation Engine

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Signals, strengths and risks for Cash Scalability

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Signals, strengths and risks for Capital Efficiency

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Signals, strengths and risks for Balance Sheet Resilience

Trade-Off Ledger™

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

Software SaaS vs Industry Peers 94% Coverage
Trade-Off Triangle Visualization A ternary plot showing MA's balance between Growth (30.7%), Profitability (44.8%), and Safety (24.4%). Growth 31% Safety 24% Profitability 45%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

63th percentile vs peers
64
Key Signals
Rev Growth YoY 16.4% 65p Revenue CAGR 3Y 13.8% 62p TSR 9.0% 60p Buyback % -2.1% 77p EPS Growth YoY 19.0% 52p
Strengths
  • Rule of 40 in top 20% of peers (66.5%, 92th percentile)
  • Gross Profit Margin in top 20% of peers (77.9%, 81th percentile)
  • FCF Margin in top 20% of peers (50.1%, 97th percentile)
  • Interest Coverage Ratio in top 20% of peers (26.73, 87th percentile)
Risks

No significant risks identified for this axis.

Profitability

92th percentile vs peers
93
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
50
Key Signals
Strengths
Safety drilldowns are available to premium members.

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:

  • Recently listed companies (IPOs, SPACs)
  • 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
$187.15
- - -
-69.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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