MA logo
Mastercard Incorporated
MA
583.28 (0.19%) 1.08
529.65(B)
Financials
Financial Services
Mastercard Incorporated a technology company provides transaction processing and other payment-related products and services in the United States and internationally. The company offers integrated products and value-added 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 a physical card 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 to help governments and nonprofits as well as enables various cross-border payment flows. Further it provides security solutions; personalization issuer and merchant loyalty and marketing services; advanced analytics business intelligence economic and location-based insights payments consulting and operational insights services; processing and gateway solutions; and open banking services. 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.
My Holdings:
(?% ownership)
Shares:
Cost basis:
Market cap:$529.65(B)
EV:$540.38(B)
Total Equity:$6.70(B)
Div. yield:0.49%
P/S:18.45
P/E:40.82
P/FCF:35.35
P/B:79.57
EPS:$14.3
FCF/share:$16.5
Dividend/share:$2.8
Book value/share:$7.3
ROIC:54.2%
ROA:28.9%
ROE:188.9%

MA Valuation

  Current Price
583.28
PE Valuation
N/A
Analyst targets
N/A
DCF
N/A
DCF (exit mult.)
N/A
Future P/E
N/A
Peter Lynch FV
N/A
Graham No.
N/A
DDM
N/A

Using the PEvaluation method, the intrinsic value estimate of MA is $341.3.
At the current price of 583.3, MA is 41% overvalued.

Based on 0 valuation methods, the average fair value estimate for MA is $N/A (NaN% overvalued).

Valuations range from $1.7976931348623157e+308 (N/A) to $0.0 (N/A).

PEvaluation

41% overvalued
Low
$256
Mid
$341
High
$427
Current price
$583
Fair P/E
Margin of safety
Shares outstan...ROICRevenue growthDebt/FCFAssets/Liabili...
Economic moat: Wide

Analyst Price Targets

6% undervalued
Low
$466
Mid
$620
High
$685
Current price
$583
Strong Buy10
Buy20
Hold10
Sell0
Strong Sell1

Estimated EPS

LowAvgHigh#
FY+115.715.916.336
FY+217.718.619.438
FY+320.721.822.422
FY+425.025.025.01
FY+528.928.928.91

Discounted Cash Flow

Forecast years
Terminal Growth Rate
Discount Rate
Free cash flow estimates:
Y+1 est.
Y+2 est.
0.00%
Y+3 est.
0.00%
Y+4 est.
0.00%
Y+5 est.
0.00%

Discounted Cash Flow (exit mult.)

Forecast years
Exit FCF Multiple
Discount Rate
Free cash flow estimates:
Y+1 est.
Y+2 est.
0.00%
Y+3 est.
0.00%
Y+4 est.
0.00%
Y+5 est.
0.00%

Future P/E Valuation

Projection Years
Base Revenue
Revenue Growth Rate
Final Net Margin
Final P/E Ratio
Discount Rate

Peter Lynch Fair Value

Earnings Per Share
Growth Rate (*)

(*) Growth rate is capped between 5 and 25

Graham Formula

Earnings Per Share
Expected Growth Rate
Government Bond Rate

Dividend Discount Model

Annual Dividend
First Stage Length (Years)
First Stage Growth Rate
Final Growth Rate
Discount Rate

(*) First stage rowth rate is capped to 20%

TTM Financials

Income (TTM)

RevenueGrossNet
Revenue$29.07(B)
Gross profit$29.07(B)
EBITDA$17.98(B)
Net income$13.14(B)
Gross margin100.0%
Operating margin58.0%
Net margin45.2%
Shares outstanding:908.05(M)

Balance sheet

Cash & ST inv.Other ST assetsLong term assetsCurrent liabilitiesLong term debtOther LT liabilitiesEquity
Total assets$48.47(B)
Current assets$19.80(B)
Total liabilities$41.77(B)
Current liabilities$17.83(B)
Cash & Short-term inv.$7.89(B)
Long-term debt$18.80(B)
Total intangibles$14.88(B)
PP&E$2.17(B)

Cash flow (TTM)

CFOCFICFF
FCF$15.01(B)
CapEx$-476.00(M)
Dividends paid$-2.53(B)
Stock issued$168.00(M)
Stock repurchased$-11.88(B)
Stock-based comp.$547.00(M)
Debt issued$5.20(B)
Debt repaid$-2.09(B)

Per share data

Price: $583
Revenue: $31.6 (18.5x | 5.4%) Gross profit: $32.0 (18.2x | 5.5%) Earnings: $14.3 (40.8x | 2.4%)
FCF: $16.5 (35.4x | 2.8%) Stock-based Comp.: $0.60 (968.3x | 0.1%) Dividend: $2.84 (205.4x | 0.5%)
Total Assets: $53.4 (10.9x | 9.2%) Total Liabilities: $46.0 (12.7x | 7.9%) Book Value: $7.33 (79.6x | 1.3%) Cash & ST inv.: $8.69 (67.1x | 1.5%) Debt: $20.7 (28.2x | 3.5%)

Growth Estimates

Revenue

CAGR: 11.9%
FY+1FY+2FY+3
FY+1$31.93(B)
FY+2(+11.7%)$35.67(B)
FY+3(+12.0%)$39.95(B)

Net Income

CAGR: 12.9%
FY+1FY+2FY+3FY+4FY+5
FY+1$14.43(B)
FY+2(+14.5%)$16.53(B)
FY+3(+13.8%)$18.81(B)
FY+4(+11.0%)$20.88(B)
FY+5(+12.4%)$23.48(B)

EPS

CAGR: 16.1%
FY+1FY+2FY+3FY+4FY+5
FY+1$15.93
FY+2(+16.9%)$18.63
FY+3(+16.7%)$21.75
FY+4(+14.8%)$24.97
FY+5(+15.8%)$28.91

FCF per share

CAGR: 16.7%
FY+1FY+2FY+3
FY+1$17.42
FY+2(+22.2%)$21.29
FY+3(+11.5%)$23.74

Historical Financials

Showing limited histrical data. Access 10+ years of financials now! Upgrade
YearlyQuarterly
Income
FY2005FY2006FY2007FY2008FY2009FY2010FY2011FY2012FY2013FY2014FY2015FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
FY2005FY2006FY2007FY2008FY2009FY2010FY2011FY2012FY2013FY2014FY2015FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024TTM5Y avg5Y CAGR
Revenue15.30(B)18.88(B)22.24(B)25.10(B)28.17(B)29.07(B)21.94(B)16%
COGS3.79(B)4.49(B)5.26(B)6.02(B)6.67(B)6.85(B)5.25(B)15%
Gross Profit11.51(B)14.39(B)16.97(B)19.08(B)21.49(B)22.22(B)16.69(B)17%
Total OpEx.3.35(B)4.17(B)4.25(B)4.45(B)5.17(B)5.35(B)4.28(B)11%
  R&D0.000.000.000.000.000.000.00N/A%
  SG&A2.77(B)3.44(B)3.50(B)3.65(B)4.27(B)4.40(B)3.53(B)11%
Operating Income8.16(B)10.23(B)12.72(B)14.63(B)16.33(B)16.87(B)12.41(B)19%
Interest Expense-380.00(M)-431.00(M)-471.00(M)-575.00(M)-646.00(M)-678.00(M)-500.60(M)14%
Interest Income0.000.000.000.000.000.000.00N/A%
Pre-tax income7.76(B)10.31(B)11.73(B)13.64(B)15.25(B)15.73(B)11.74(B)18%
Income tax-1.35(B)-1.62(B)-1.80(B)-2.44(B)-2.38(B)-2.58(B)-1.92(B)15%
Net Income6.41(B)8.69(B)9.93(B)11.20(B)12.87(B)13.14(B)9.82(B)19%
Cash flow
FY2015FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Stock-based Comp.FCFCFONet IncomeD&ACFFStock IssuedStock RepurchasedDebt IssuedDebt RepaidDividend PaidCFIAcquisitionsDivestituresCapital Expenditures
Balance sheet
FY2015FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Total AssetsTotal LiabilitiesCurrent assetsCash and EquivalentsShort-term investmentsInventoriesReceivablesNon-current assetsNet PP&EIntangible AssetsGoodwillCurrent liabilitiesAccounts payableNon-current liabilitiesLong-Term DebtTotal Equity
Per share data
FY2015FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
EPS (Basic)FCF/ShareDividend/ShareEPS (Diluted)Book value/ShareCash & ST inv./ShareDebt/Share
Ratios
FY2015FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
P/EP/SEV/EarningsP/FCFP/BEV/FCFDebt/EquityPayout ratio
Margins
FY2015FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Net Income MarginOperating MarginGross MarginEBITDA MarginFCF Margin
Returns
FY2015FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
ROICROAROCEROE
Shares outstanding
FY2015FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Shares (Basic)Shares (Diluted)
Market Cap.
FY2015FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Market Cap.

Similar Companies

Ownership

Major holders

Insiders: 0.51%
Institutions: 90.10%
Other: 9.39%

Institutional ownership

9.40% Mastercard Foundation ...8.56% Vanguard Group Inc7.81% Blackrock Inc.4.00% State Street Corporati...3.36% JPMORGAN CHASE & CO2.47% FMR, LLC2.25% Capital International ...2.13% Price (T.Rowe) Associa...2.07% Geode Capital Manageme...1.79% Morgan Stanley46.26% Others

Insider transactions

Show:
Buys
Sells
Grants
DateSharesTotal ($)Price ($)NameTitle
Grant2025-04-075,12600.0MUIGAI SUSAN WOfficer
Sell2025-03-2615,7758,678,717550.2MIEBACH MICHAELChief Executive Officer
Grant2025-03-197,1321,237,331173.5MCLAUGHLIN EDWARD GRUNDEOfficer
Sell2025-03-197,1323,813,338534.7MCLAUGHLIN EDWARD GRUNDEOfficer
Grant2025-03-0511,0021,908,737173.5VOSBURG CRAIGOfficer
Grant2025-03-0511,9522,073,552173.5MIEBACH MICHAELChief Executive Officer
Sell2025-03-0511,0026,118,671556.1VOSBURG CRAIGOfficer
Sell2025-03-0517,6649,781,694553.8MIEBACH MICHAELChief Executive Officer
Grant2025-02-2810,69200.0KIRKPATRICK LINDA PISTECCHIAOfficer
Grant2025-02-285,98200.0LING HAIOfficer
Grant2025-02-285,54000.0LAMBERT JORNOfficer
Grant2025-02-2815,80500.0VOSBURG CRAIGOfficer
Grant2025-02-2844,83500.0MIEBACH MICHAELChief Executive Officer
Grant2025-02-2819,50400.0SACHIN J. MEHRAChief Financial Officer
Grant2025-02-2810,26200.0MADABHUSHI VENKATA RAJAMANNAROfficer
Grant2025-02-281,71800.0HUNTSMAN JON M JROfficer
Grant2025-02-2814,29100.0MURPHY TIMOTHY HOfficer
Grant2025-02-2893800.0ARKELL SANDRA AOfficer
Grant2025-02-2811,33200.0MCLAUGHLIN EDWARD GRUNDEOfficer
Grant2025-02-288,00900.0SESHADRI RAJEEVOfficer
Grant2025-02-2611,0031,908,910173.5VOSBURG CRAIGOfficer
Sell2025-02-2611,0036,191,557562.7VOSBURG CRAIGOfficer
Grant2025-02-185,908663,527112.3MCLAUGHLIN EDWARD GRUNDEOfficer
Grant2025-02-1811,0031,908,910173.5VOSBURG CRAIGOfficer
Grant2025-02-1818,0003,122,820173.5MIEBACH MICHAELChief Executive Officer
Sell2025-02-1814,1037,968,215565.0VOSBURG CRAIGOfficer
Sell2025-02-1818,00010,169,095564.9MIEBACH MICHAELChief Executive Officer
Sell2025-02-1810,9426,182,128565.0MCLAUGHLIN EDWARD GRUNDEOfficer
Grant2025-02-1418000.0GENACHOWSKI JULIUSDirector
Grant2025-02-1418000.0GENACHOWSKI JULIUSDirector
Grant2025-01-3171500.0MURPHY TIMOTHY HOfficer
Grant2024-11-014,7161,071,711227.3SACHIN J. MEHRAChief Financial Officer
Sell2024-11-014,7162,360,075500.4SACHIN J. MEHRAChief Financial Officer
Grant2024-09-272,598915,696352.5MADABHUSHI VENKATA RAJAMANNAROfficer
Sell2024-09-274,6862,300,967491.0MADABHUSHI VENKATA RAJAMANNAROfficer
Grant2024-09-202,598894,959344.5MADABHUSHI VENKATA RAJAMANNAROfficer
Sell2024-09-204,6852,294,981489.9MADABHUSHI VENKATA RAJAMANNAROfficer
Grant2024-09-171,100249,975227.3ARKELL SANDRA AOfficer
Sell2024-09-171,100550,000500.0ARKELL SANDRA AOfficer
Grant2024-09-132,598897,280345.4MADABHUSHI VENKATA RAJAMANNAROfficer
Sell2024-09-134,6852,310,174493.1MADABHUSHI VENKATA RAJAMANNAROfficer
Grant2024-08-291,100249,975227.3ARKELL SANDRA AOfficer
Sell2024-08-291,100528,000480.0ARKELL SANDRA AOfficer
Sell2024-08-2290,00042,192,414468.8MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-08-2190,00042,032,160467.0MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-08-2095,00044,436,792467.8MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-08-19109,00050,951,897467.4MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Grant2024-08-166,7241,166,547173.5SACHIN J. MEHRAChief Financial Officer
Grant2024-08-162,892260,65690.1LING HAIOfficer
Sell2024-08-162,8921,359,240470.0LING HAIOfficer
Sell2024-08-166,7243,160,280470.0SACHIN J. MEHRAChief Financial Officer
Sell2024-08-16119,00055,746,764468.5MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Grant2024-08-055,776648,703112.3SACHIN J. MEHRAChief Financial Officer
Sell2024-08-0513,4396,114,745455.0SACHIN J. MEHRAChief Financial Officer
Grant2024-08-011,100249,975227.3ARKELL SANDRA AOfficer
Grant2024-08-012,892260,65690.1LING HAIOfficer
Sell2024-08-011,100512,006465.5ARKELL SANDRA AOfficer
Sell2024-08-012,8921,346,110465.5LING HAIOfficer
Sell2024-06-26138,00062,540,855453.2MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-06-25136,00062,031,626456.1MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-06-24131,00060,189,666459.5MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-06-21115,00052,025,126452.4MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Grant2024-06-209,0281,013,935112.3VOSBURG CRAIGOfficer
Sell2024-06-209,0284,072,170451.1VOSBURG CRAIGOfficer
Sell2024-06-20111,00050,068,925451.1MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Grant2024-06-1854500.0BRACHER CANDIDODirector
Grant2024-06-1854500.0SULZBERGER GABRIELLEDirector
Grant2024-06-1854500.0GOH CHOON PHONGDirector
Grant2024-06-1854500.0DAVIS RICHARD KDirector
Grant2024-06-1854500.0TALWAR HARITDirector
Grant2024-06-1854500.0QURESHI RIMADirector
Grant2024-06-1854500.0MATSUMOTO OKIDirector
Grant2024-06-1854500.0UGGLA LANCE DARRELL GORDONDirector
Grant2024-06-1873900.0JANOW MERIT EDirector
Grant2024-06-1854500.0GENACHOWSKI JULIUSDirector
Grant2024-06-1854500.0MOON YOUNGME EDirector
Sell2024-06-18108,00048,493,004449.0MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-06-175,2422,339,199446.2MURPHY TIMOTHY HOfficer
Sell2024-06-17107,00047,719,518446.0MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-06-14116,00051,461,463443.6MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-06-13112,00049,507,136442.0MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Grant2024-06-126,9221,386,800200.3SESHADRI RAJEEVOfficer
Sell2024-06-12108,00048,070,044445.1MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-06-126,9223,112,570449.7SESHADRI RAJEEVOfficer
Sell2024-06-11112,00050,073,520447.1MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-06-10113,00050,606,948447.8MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-06-07115,00051,822,208450.6MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-06-06114,00051,101,800448.3MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Grant2024-06-056,9211,386,573200.3SESHADRI RAJEEVOfficer
Grant2024-06-059,0281,013,935112.3VOSBURG CRAIGOfficer
Sell2024-06-059,0284,038,044447.3VOSBURG CRAIGOfficer
Sell2024-06-05115,00051,187,305445.1MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-06-058,3683,714,813443.9SESHADRI RAJEEVOfficer
Sell2024-06-04111,00049,184,333443.1MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-06-035,2412,314,280441.6MURPHY TIMOTHY HOfficer
Sell2024-06-03110,00048,556,882441.4MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-31103,00045,494,410441.7MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-30104,00046,041,268442.7MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Grant2024-05-296,9211,386,573200.3SESHADRI RAJEEVOfficer
Sell2024-05-298,6733,860,159445.1SESHADRI RAJEEVOfficer
Sell2024-05-29110,00048,777,982443.4MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-28107,00047,511,852444.0MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-24104,00046,957,217451.5MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-23104,00047,138,333453.3MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Grant2024-05-229,0281,013,935112.3VOSBURG CRAIGOfficer
Sell2024-05-229,0284,150,607459.7VOSBURG CRAIGOfficer
Sell2024-05-22107,00049,081,949458.7MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-21108,00049,378,464457.2MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-17122,00056,144,473460.2MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Grant2024-05-162,892260,65690.1LING HAIOfficer
Sell2024-05-162,8921,330,320460.0LING HAIOfficer
Sell2024-05-16129,00059,556,746461.7MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-15142,00064,856,881456.7MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Grant2024-05-1444000.0MURPHY TIMOTHY HOfficer
Sell2024-05-14141,00063,786,638452.4MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-13141,00064,501,014457.5MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-10142,00064,832,585456.6MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-0920090,710453.6ARKELL SANDRA AOfficer
Sell2024-05-09142,00064,616,021455.0MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-08900405,897451.0ARKELL SANDRA AOfficer
Sell2024-05-08151,00068,335,201452.6MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-07149,00067,211,650451.1MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security
Sell2024-05-065,2412,345,868447.6MURPHY TIMOTHY HOfficer
Sell2024-05-06147,00065,794,069447.6MASTERCARD FOUNDATIONBeneficial Owner of more than 10% of a Class of Security

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