Mastercard Inc (MA)
OvervaluedFundamental
72
Price
$623.60
Market Cap
$545.42B
Part 1 · What the company is worth
Overview
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.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
No editorial profile for this company yet
No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$35.08B
Trailing 12 months (through 6/30/2026)
Net Income
$16.26B
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$17.16B
Total Equity
$7.74B
Total Liabilities
$46.41B
Current Ratio
1.06
Interest Coverage
27.36
Debt/EBITDA
1.23
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$455.65
Current Price
$623.60
Margin of Safety
-36.9%
Fair Value Range
$296.17 - $615.12
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
34.30
ROE
193.5%
P/B Ratio
13.62
P/FCF
4.57
Gross Margin
-
ROIC
49.5%
Profitability Radar
Value Creation (Economic Moat)
ROIC
49.5%
WACC
8.6%
ROIC − WACC
+40.8 pp
ROIC exceeds the cost of capital — the company is creating value for shareholders.
Fundamental Analysis Criteria
Passed (19)
- EPS shows upward trend
- Price CAGR 19.31%
- ROIC 49.5%
- P/FCF 4.57
- Operating margin 58.3%
- Positive free cash flow
- CapEx intensity
- Current ratio
- Interest coverage
- Debt/EBITDA
- Return on tangible assets
- ROE 232.5%
- Revenue growth 5Y 16.5%
- Earnings surprise, average 2.8%
- PEG ratio 1.60
- Earnings quality (operating cash flow / net income) 1.07
- Share dilution -2.2%
- Net margin trend 46.3% vs 44.9%
- Piotroski F-Score 8/9
Failed (6)
- EPS CAGR 4.14%
- P/B ratio 13.62
- Debt/equity ratio
- Low reliance on intangibles
- Price below Graham Number
- DCF valuation (Fairly Valued)
Unavailable (2)
- Gross margin –
- Dividend payout –
Piotroski F-Score
Strong financial health
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Michael Miebach | CEO, President & Director | 57 |
| Mr. Timothy Henry Murphy J.D. | Vice Chair | 57 |
| Mr. Edward Grunde McLaughlin | President & CTO of Mastercard Technology | 59 |
| Mr. Craig E. Vosburg | Vice Chair | 58 |
| Ms. Linda Pistecchia Kirkpatrick | Chief Services Officer | 48 |
| Mr. Sachin Mehra | Chief Business Officer | 54 |
| Mr. Ling Hai | Chief Financial Officer | 54 |
| Mr. Chris Mullett | Corporate Controller & Principal Accounting Officer | 51 |
| Mr. Richard R. Verma Ph.D. | Chief Administrative Officer | 52 |
| Mr. Devin Corr | Executive Vice President of Investor Relations | - |
Audit Risk
4
Board Risk
2
Compensation Risk
5
Shareholder Rights Risk
3
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-11
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-07-30
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-07-30
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much MA moves, measured on its daily prices.
More volatile than 8% of the tracked stocks (90-day volatility).
- Volatility 30d
- 18.0%
- Volatility 90d
- 20.5%
- Beta vs S&P 500 (1y)
- 0.26Correlation 0.15
- Max drawdown (12m)
- -18.7%
- ATR (14d, % of price)
- 1.63%
Earnings reactions
How MA moved around its past quarterly results.
Next earnings release
Oct 29, 2026 · In 5 days · Before the open
EPS estimate: 5.17Revenue estimate: $9.7B
What usually happens
- Over the last 12 releases the stock moved a median of 2.6% the next day, up or down.
- Next-day moves: up 6, down 6 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Jul 30, 2026 | During the session | 4.91 | 5.04 | +2.7% | +2.5% | +2.5% | +1.3% |
| Apr 30, 2026 | During the session | 4.53 | 4.60 | +1.5% | -3.9% | -4.2% | -6.3% |
| Jan 29, 2026 | During the session | 4.38 | 4.76 | +8.8% | +2.0% | +4.3% | +6.2% |
| Oct 30, 2025 | During the session | 4.45 | 4.38 | -1.6% | -0.5% | -0.2% | -0.2% |
| Jul 31, 2025 | During the session | n/a | n/a | n/a | +1.7% | +1.3% | +1.8% |
| May 1, 2025 | During the session | n/a | n/a | n/a | +0.4% | -0.3% | +3.3% |
| Jan 30, 2025 | During the session | n/a | n/a | n/a | +1.1% | +3.1% | +3.2% |
| Oct 31, 2024 | During the session | n/a | n/a | n/a | +1.5% | -2.7% | +1.4% |
| Jul 31, 2024 | During the session | n/a | n/a | n/a | +3.3% | +3.6% | +0.2% |
| May 1, 2024 | During the session | n/a | n/a | n/a | -1.2% | -2.0% | +0.4% |
| Jan 31, 2024 | During the session | n/a | n/a | n/a | +1.1% | +0.9% | +3.4% |
| Oct 26, 2023 | During the session | n/a | n/a | n/a | -4.0% | -5.6% | -2.2% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on MA and what the price did next.
- 10/20/2026PositiveMastercard Introduces Fraud Screening Before Stablecoin Payments Go On-Chain
- +1 day
- +0.3%
- +3 days
- +3.1%
- 10/19/2026PositiveMastercard launches stablecoin risk screening for banks and payment providers
Published while the US market was open: the move of that day cannot be split into before and after the news, so no figure is shown.
- 10/15/2026PositiveMastercard brings stablecoin balances into traditional banking and card payments
Published while the US market was open: the move of that day cannot be split into before and after the news, so no figure is shown.
- 8/4/2026PositiveMastercard completes $1.8B BVNK acquisition in stablecoin push
- +1 day
- -1.8%
- +3 days
- -0.6%
- 6/10/2026PositiveMastercard Just Built A Payment Network For AI Agents — And It Runs On Crypto
- +1 day
- +0.3%
- +3 days
- -1.7%
- 6/3/2026PositiveHeadline no longer in the latest news feed
Published while the US market was open: the move of that day cannot be split into before and after the news, so no figure is shown.
- 5/27/2026PositiveHeadline no longer in the latest news feed
Published while the US market was open: the move of that day cannot be split into before and after the news, so no figure is shown.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for MA.
- 4d agoPOSITIVEMastercard Introduces Fraud Screening Before Stablecoin Payments Go On-Chain
Mastercard has launched "Stablecoin Security," a new risk-scoring tool designed to enhance security for stablecoin payments by examining transactions before they are settled on-chain. This innovative service integrates traditional payment intelligence with blockchain data, allowing financial institutions to assess fraud, sanctions, and scam risks across a payment's journey. By providing a risk assessment via an API before transaction completion, Mastercard addresses a critical operational gap for businesses utilizing stablecoin settlements. The tool considers payment context, fund origin, and potential exposure to restricted parties, aiming to bring familiar banking controls to the evolving digital asset landscape. Initial partners include Borderless.xyz and Keyrails, with a wider commercial rollout expected in 2027.
- 5d agoPOSITIVEMastercard launches stablecoin risk screening for banks and payment providers
Mastercard has unveiled a new stablecoin risk screening service designed for banks and payment providers. This innovative solution integrates payment data with advanced blockchain analytics, enabling financial institutions to identify and flag potentially illicit stablecoin transactions prior to their final settlement. The move positions Mastercard as a key player in the evolving digital asset landscape, offering crucial compliance and security tools. For investors, this development signals Mastercard's strategic expansion into the cryptocurrency ecosystem, potentially opening new revenue streams and reinforcing its technological leadership in payment processing.
- 8d agoNEUTRALWashington sollecita Pechino su accesso al mercato cinese per Mastercard e Citigroup
US Treasury officials have engaged Beijing regarding market access for financial services firms, specifically mentioning Mastercard and Citigroup. The discussions aim to address barriers faced by American companies in the Chinese market. While the specifics of the solicitations are not detailed, the ongoing dialogue suggests a continued effort by the US to foster a more open and reciprocal business environment for its financial sector in China. Investors will monitor any concrete developments or policy changes that could impact the operational landscape for these companies.
- 9d agoPOSITIVEMastercard brings stablecoin balances into traditional banking and card payments
Mastercard has launched its Global Money Platform, enabling the integration of stablecoin balances into traditional banking and card payment systems. This initiative marks a significant step following Mastercard's August acquisition of BVNK, with early adopters including Nuvei and Marqeta. The platform's ability to bridge digital assets with conventional financial infrastructure is expected to enhance transaction efficiency and open new revenue streams. For investors, this move signals Mastercard's commitment to innovation in the evolving fintech landscape, potentially solidifying its market position and driving future growth.
- 15d agoNEUTRALTrump Rules Out Iran Attack Before Midterms, OpenAI Eyes $70B Revenue
Mastercard CEO Michael Miebach was a guest on "The Pulse With Francine Lacqua," a program focused on global business, economics, finance, and politics. While the specific content of Miebach's discussion is not detailed, his appearance on a prominent financial news show based in London suggests potential insights into Mastercard's strategic direction, market outlook, or recent performance. Investors will monitor any forward-looking statements or commentary on the payments industry landscape.
- 8/7/2026NEUTRALCan new technology break Mastercard and Visa's duopoly?
Mastercard and Visa currently dominate the payment processing industry, generating substantial profits from transaction fees. However, emerging technologies and geopolitical shifts pose potential challenges to their long-standing duopoly. While the article highlights these risks, it does not present immediate data indicating a decline in their market position or profitability. Investors should monitor technological advancements and regulatory developments for potential future impacts on these payment giants.
- 8/5/2026NEUTRALMastercard, Borderless test shared identity checks for stablecoin transfers
Mastercard is collaborating with Borderless to integrate stablecoin transfers with its Crypto Credential framework, aiming to enhance trust in cross-border transactions. This pilot program seeks to leverage Mastercard's established payment infrastructure to provide more secure and reliable digital asset transfers. While the initiative highlights Mastercard's continued exploration of blockchain technology and its potential applications in payments, it is currently in a testing phase. The long-term impact on Mastercard's revenue and market position remains speculative until wider adoption and regulatory clarity emerge.
- 8/4/2026POSITIVEMastercard completes $1.8B BVNK acquisition in stablecoin push
Mastercard has finalized its acquisition of BVNK for $1.8 billion, a strategic move aimed at bolstering its presence in the stablecoin payment ecosystem. The integration is designed to empower banks, fintech firms, and corporations to enhance their stablecoin-based payment, payout, settlement, and treasury operations. This acquisition signals Mastercard's commitment to expanding its digital currency services and adapting to evolving financial technologies, potentially opening new revenue streams and solidifying its position in the digital payments landscape.
- 6/10/2026POSITIVEMastercard Just Built A Payment Network For AI Agents — And It Runs On Crypto
Mastercard has unveiled Agent Pay for AI, a novel protocol enabling AI agents to conduct peer-to-peer payments and micropayments. Crucially, the system stores human-granted permissions for AI agents on the Polygon blockchain, which operates on Ethereum. This development signifies a significant step towards integrating AI capabilities into financial infrastructure, potentially unlocking new revenue streams and use cases for digital transactions. For investors, this positions Mastercard at the forefront of innovation in the burgeoning AI economy, leveraging blockchain technology to create a secure and efficient payment network for autonomous agents.