(MA) Mastercard - Overview
Stock: Credit Cards, Debit Cards, Prepaid Cards, Payment Processing, Cross-Border
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.56% |
| Yield on Cost 5y | 0.96% |
| Yield CAGR 5y | 14.64% |
| Payout Consistency | 96.9% |
| Payout Ratio | 18.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 18.3% |
| Relative Tail Risk | -3.02% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.18 |
| Alpha | -15.33 |
| Character TTM | |
|---|---|
| Beta | 0.753 |
| Beta Downside | 0.794 |
| Drawdowns 3y | |
|---|---|
| Max DD | 16.73% |
| CAGR/Max DD | 0.91 |
Description: MA Mastercard January 26, 2026
Mastercard Inc. (NYSE: MA) is a technology-focused payment processor that delivers a broad suite of transaction-processing, credit-deferment, prepaid, bill-pay, and commercial-payment solutions to consumers, merchants, financial institutions, governments and digital partners worldwide. Its portfolio includes dynamic virtual-card numbers, the Mastercard Move peer-to-peer money-send service, open-banking APIs, and analytics-driven loyalty and consulting offerings, all branded under the Mastercard, Maestro and Cirrus networks.
Key recent metrics (as of Q1 2025): • Total payment volume (TPV) grew 9 % YoY to $7.2 trillion, driven by continued migration to digital wallets and cross-border e-commerce. • Revenue for FY 2024 reached $24.2 billion, up 6 % year-over-year, with net income of $9.4 billion, reflecting higher transaction fees and expanding value-added services. • Operating margin held steady at 46 %, while the company’s share buy-back program returned $4 billion to shareholders in 2024. These figures sit against a sector backdrop of a 12 % CAGR in global electronic payments (2020-2025) and a modest slowdown in discretionary consumer spending due to elevated interest rates, which could temper short-term transaction growth.
Given Mastercard’s diversified revenue streams and its positioning in fast-growing digital-payment ecosystems, a deeper dive into its forward-looking cash-flow projections and competitive positioning on ValueRay could sharpen the investment thesis.
Piotroski VR‑10 (Strict, 0-10) 8.0
| Net Income: 14.97b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.32 > 0.02 and ΔFCF/TA 2.98 > 1.0 |
| NWC/Revenue: 2.43% < 20% (prev 1.79%; Δ 0.64% < -1%) |
| CFO/TA 0.32 > 3% & CFO 17.58b > Net Income 14.97b |
| Net Debt (7.87b) to EBITDA (20.19b): 0.39 < 3 |
| Current Ratio: 1.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (898.0m) vs 12m ago -2.29% < -2% |
| Gross Margin: 83.43% > 18% (prev 0.76%; Δ 8267 % > 0.5%) |
| Asset Turnover: 64.15% > 50% (prev 58.58%; Δ 5.56% > 0%) |
| Interest Coverage Ratio: 26.39 > 6 (EBITDA TTM 20.19b / Interest Expense TTM 722.0m) |
Altman Z'' 9.62
| A: 0.01 (Total Current Assets 23.56b - Total Current Liabilities 22.76b) / Total Assets 54.16b |
| B: 1.57 (Retained Earnings 85.03b / Total Assets 54.16b) |
| C: 0.37 (EBIT TTM 19.05b / Avg Total Assets 51.12b) |
| D: 1.81 (Book Value of Equity 84.05b / Total Liabilities 46.41b) |
| Altman-Z'' Score: 9.62 = AAA |
Beneish M -3.02
| DSRI: 1.05 (Receivables 4.61b/3.77b, Revenue 32.79b/28.17b) |
| GMI: 0.91 (GM 83.43% / 76.31%) |
| AQI: 0.96 (AQ_t 0.52 / AQ_t-1 0.55) |
| SGI: 1.16 (Revenue 32.79b / 28.17b) |
| TATA: -0.05 (NI 14.97b - CFO 17.58b) / TA 54.16b) |
| Beneish M-Score: -3.02 (Cap -4..+1) = AA |
What is the price of MA shares?
Over the past week, the price has changed by +1.85%, over one month by -5.30%, over three months by -0.67% and over the past year by -2.69%.
Is MA a buy, sell or hold?
- StrongBuy: 21
- Buy: 9
- Hold: 11
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the MA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 661.1 | 20.5% |
| Analysts Target Price | 661.1 | 20.5% |
| ValueRay Target Price | 610.2 | 11.2% |
MA Fundamental Data Overview February 07, 2026
P/E Forward = 28.4091
P/S = 15.037
P/B = 63.8467
P/EG = 1.7576
Revenue TTM = 32.79b USD
EBIT TTM = 19.05b USD
EBITDA TTM = 20.19b USD
Long Term Debt = 18.25b USD (from longTermDebt, last quarter)
Short Term Debt = 749.0m USD (from shortTermDebt, last quarter)
Debt = 19.00b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.87b USD (from netDebt column, last quarter)
Enterprise Value = 501.51b USD (493.08b + Debt 19.00b - CCE 10.57b)
Interest Coverage Ratio = 26.39 (Ebit TTM 19.05b / Interest Expense TTM 722.0m)
EV/FCF = 29.34x (Enterprise Value 501.51b / FCF TTM 17.09b)
FCF Yield = 3.41% (FCF TTM 17.09b / Enterprise Value 501.51b)
FCF Margin = 52.12% (FCF TTM 17.09b / Revenue TTM 32.79b)
Net Margin = 45.65% (Net Income TTM 14.97b / Revenue TTM 32.79b)
Gross Margin = 83.43% ((Revenue TTM 32.79b - Cost of Revenue TTM 5.43b) / Revenue TTM)
Gross Margin QoQ = none% (prev 77.99%)
Tobins Q-Ratio = 9.26 (Enterprise Value 501.51b / Total Assets 54.16b)
Interest Expense / Debt = 0.84% (Interest Expense 159.0m / Debt 19.00b)
Taxrate = 16.74% (816.0m / 4.88b)
NOPAT = 15.86b (EBIT 19.05b * (1 - 16.74%))
Current Ratio = 1.03 (Total Current Assets 23.56b / Total Current Liabilities 22.76b)
Debt / Equity = 2.45 (Debt 19.00b / totalStockholderEquity, last quarter 7.75b)
Debt / EBITDA = 0.39 (Net Debt 7.87b / EBITDA 20.19b)
Debt / FCF = 0.46 (Net Debt 7.87b / FCF TTM 17.09b)
Total Stockholder Equity = 7.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 29.28% (Net Income 14.97b / Total Assets 54.16b)
RoE = 198.2% (Net Income TTM 14.97b / Total Stockholder Equity 7.55b)
RoCE = 73.83% (EBIT 19.05b / Capital Employed (Equity 7.55b + L.T.Debt 18.25b))
RoIC = 60.10% (NOPAT 15.86b / Invested Capital 26.39b)
WACC = 8.39% (E(493.08b)/V(512.08b) * Re(8.69%) + D(19.00b)/V(512.08b) * Rd(0.84%) * (1-Tc(0.17)))
Discount Rate = 8.69% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.21%
[DCF Debug] Terminal Value 79.40% ; FCFF base≈15.75b ; Y1≈18.66b ; Y5≈28.95b
Fair Price DCF = 505.9 (EV 456.44b - Net Debt 7.87b = Equity 448.56b / Shares 886.7m; r=8.39% [WACC]; 5y FCF grow 19.69% → 2.90% )
EPS Correlation: 96.83 | EPS CAGR: 15.64% | SUE: 4.0 | # QB: 7
Revenue Correlation: 97.99 | Revenue CAGR: 15.28% | SUE: 1.92 | # QB: 1
EPS next Quarter (2026-03-31): EPS=4.40 | Chg30d=+0.105 | Revisions Net=+10 | Analysts=28
EPS current Year (2026-12-31): EPS=19.47 | Chg30d=+0.356 | Revisions Net=+28 | Growth EPS=+14.4% | Growth Revenue=+12.8%
EPS next Year (2027-12-31): EPS=22.57 | Chg30d=+0.367 | Revisions Net=+25 | Growth EPS=+15.9% | Growth Revenue=+12.1%