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Mastercard Incorporated
MA: NYSELowest reading is at 29 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Michael Miebach
Market Cap
497.27 Billion USD
Sector
Financial Services
Website
https://www.mastercard.comLast Update
27/09/2026, 17:08:27
Description
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally.
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Strongest readings
- ✔Return on capital employed of 60.19% is above the market average of 10.00%
- ✔Altman-Z score of 10.40 sits above the distress range
- ✔Dividend growth averages 12.99% per year
- ✔Financial health is strong (health score 74 out of 100)
- ✔Dividend cover is strong (dividend score 73 out of 100)
Weakest readings
- ✘Debt is high at 2.46 times equity
- ✘The current price sits above estimated fair value (margin of safety -65.24%)
- ✘Price-to-earnings of 31.2 is above the market average of 19.6
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings (TTM) | 31.25x | 19.60x | |
| ✘ | Margin of safety (DCF) | -65.24% | 17.95% | |
| ✔ | Revenue growth (5y average) | 12.87% | 10.97% | |
| ✘ | Dividend yield (TTM) | 0.59% | 1.85% | |
| ✔ | Share count, per year | -2.02% | 0.00% | |
| ✔ | Return on capital employed | 60.19% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
29 / 100Priced above the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings | 31.25x | 19.60x | |
| ✘ | Free cashflow yield | 3.38% | 4.70% | |
| ✘ | Price / earnings growth | 1.65x | 1.50x | |
| Price / book | 88.04x | — | ||
| ✘ | Margin of safety | -65.24% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 197.31 USD is below the current price of 567.65 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 240.2 USD ✘
Current Price: 567.7 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
65 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Revenue growth | 12.87% | 10.97% | |
| ✔ | Earnings growth | 17.28% | 14.48% | |
| ✔ | Cashflow growth | 19.94% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Revenue growth has improved this year (16.01% against a five year average of 12.87%)
- ✔Earnings growth has improved this year (22.47% against a five year average of 17.28%)
- ✘Free cashflow growth has slowed this year
Health
74 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Altman-Z score | 10.40 | 3.00 | |
| ✔ | Piotroski score | 9.00 | 5.00 | |
| ✘ | Debt / equity | 2.46x | 0.80x | |
| ✔ | Current ratio | 1.03x | 1.00x | |
| ✔ | Interest coverage | 26.17x | 2.50x | |
| ✔ | Free cashflow / debt | 0.90x | 0.15x | |
| ✔ | Debt / capital | 0.71x | 1.00x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
73 / 100Covered by both earnings and cashflow.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Dividend yield | 0.59% | 1.85% | |
| ✔ | Dividend growth | 12.58% | 0.00% | |
| ✔ | Payout ratio (earnings) | 17.96% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 17.48% | 65.00% | |
| ✔ | Worst year, last 5 years | 10.01% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
Management
83 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 193.46% | 15.00% | |
| ✔ | Return on capital employed | 60.19% | 10.00% | |
| Return on assets | 27.64% | — | ||
| Free cashflow return on capital | 54.66% | — | ||
| ✔ | Return on capital, 5y change | 17.93% | 0.00% | |
| ✔ | Share count, per year | -2.02% | 0.00% | |
| ✔ | Share count, recent | -3.93% | 0.00% | |
| ✔ | Realized buyback return | 8.30% | 0.00% | |
| ✔ | Goodwill erosion / equity | 1.81% | 2.00% | |
| Price volatility, 5 year | 24.17% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Shares were repurchased while the value score was only 29 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
MA
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Mastercard Incorporated
Currency
USD
Beta
0.735
Vol Avg
2958345
Ceo
Mr. Michael Miebach
Cik
0001141391
Cusip
Exchange
NYSE
Full Time Employees
39800
Industry
Credit Services
Sector
Financial Services
Ipo Date
Address
2000 Purchase Street
City
Purchase
State
NY
Country
United States
Zip
10577
Phone
914 249 2000
Analysis Last Updated
27/09/2026, 17:08:27
Financial data compiled from SEC EDGAR filings and Yahoo Finance.