MA

Mastercard Incorporated

Fundamental data last updated:May 13, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NYSE

County of HQ

US

Next Earnings Date

07/30/2026

Business Summary

Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. It facilitates the processing of payment transactions, including authorization, clearing, and settlement, as well as delivers other payment-related products and services. The company offers integrated products and value-added services for account holders, merchants, financial institutions, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; prepaid programs and management services; commercial credit and debit payment products and solutions; and payment products and solutions that allow its customers to access funds in deposit and other accounts. It also provides value-added products and services comprising cyber and intelligence solutions for parties to transact, as well as proprietary insights, drawing on principled use of consumer, and merchant data services. In addition, the company offers analytics, test and learn, consulting, managed services, loyalty, processing, and payment gateway solutions for e-commerce merchants. Further, it provides open banking and digital identity platforms services. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.

 


VALUATION

P/E

28.49

Market Cap ($M USD)

$439.86B

Forward P/E

14.43

PEG

0.15

PRICE TO SALES

12.96

PRICE TO BOOK

65.98

EV / EBITDA

21.24

5-Year Average P/E

Free Cash Flow Yield

4.03%

DCF Value

$570.46

Graham Number

$54.46

Price to FCF

24.83

EV to FCF

25.45

Earnings Yield

3.51%

FCF Yield

4.03%

DIVIDEND

Yield

0.65%

Annual Payout

$3.26

Payout Ratio

18.23%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$17.47

Next Year EPS Growth Estimate

$34.49

Next Year Revenue Growth Estimate

$5.88T

Return on Equity (ROE)

206.12%

FREE CASH FLOW

Operating Margin

59.40%

Debt-to-Equity

2.46

Piotroski F-Score

7

Altman Z-Score

10.00

Return on Invested Capital (ROIC)

68.30%

Current Ratio

0.98

Quick Ratio

0.89

Net Debt to EBITDA

0.52

Interest Coverage

27.81

Gross Profit margin

82.96%

FCF PER SHARE

$19.88

REVENUE PER SHARE

$38.09

Gainseekers Quantitative Analysis

Summary

Mastercard’s valuation presents a mixed picture. Recent pricing indicated it traded below its DCF value, suggesting potential undervaluation. However, the Price/Book ratio is sky-high, reflecting a market premium. The Forward P/E of 14.37 and a robust Altman Z-score of 10.05 indicate financial stability and growth potential. Yet, the earnings yield of 3.53% suggests the stock isn’t a bargain for income-focused investors.

AI Exposure / Tech Reliance

Operating in the financial services sector, Mastercard is well-positioned to leverage AI and tech advancements. Its role in credit services allows for seamless integration of AI-driven fraud detection and data analytics. This adaptability ensures resilience in a rapidly evolving tech landscape.

The Bull Case

For GARP investors, Mastercard shines with a stellar ROIC of 68.3%, showcasing exceptional capital efficiency. The Piotroski F-Score of 7 indicates solid financial health, while a strong operating margin of 59.4% underscores its pricing power. Despite a modest FCF yield, the company's ability to generate cash flow and maintain a low payout ratio makes it an attractive long-term play.

The Bear Case

Despite its strengths, Mastercard's valuation multiples raise concerns. The Price/Sales ratio of 12.92 and Price/Book of 65.68 suggest the stock is priced for perfection. Additionally, the current ratio below 1 indicates potential liquidity constraints. With the stock trading close to its 52-week high, investors should be wary of overextension.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$657.38

Institutional Ownership %

1-Year Beta

0.76

Insider Buying % (6 Mo)

Distance to 52-Week High

20.88%

Distance to 52-Week Low

3.48%

EARNINGS SURPRISE %

4.31%

50-DAY SMA

$505.30

200-DAY SMA

$546.48

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.