Mastercard Incorporated

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)

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%

Jump to:Valuation TTM Financials Growth Estimates Historical Data Similar Companies Ownership Tools

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

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

	Low	Avg	High	#
FY+1	15.7	15.9	16.3	36
FY+2	17.7	18.6	19.4	38
FY+3	20.7	21.8	22.4	22
FY+4	25.0	25.0	25.0	1
FY+5	28.9	28.9	28.9	1

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)

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

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)

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

Growth Estimates

Revenue

CAGR: 11.9%

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+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+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+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

	FY2005	FY2006	FY2007	FY2008	FY2009	FY2010	FY2011	FY2012	FY2013	FY2014	FY2015	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	TTM	5Y avg	5Y CAGR
Revenue																15.30(B)	18.88(B)	22.24(B)	25.10(B)	28.17(B)	29.07(B)	21.94(B)	16%
COGS																3.79(B)	4.49(B)	5.26(B)	6.02(B)	6.67(B)	6.85(B)	5.25(B)	15%
Gross Profit																11.51(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&D																0.00	0.00	0.00	0.00	0.00	0.00	0.00	N/A%
SG&A																2.77(B)	3.44(B)	3.50(B)	3.65(B)	4.27(B)	4.40(B)	3.53(B)	11%
Operating Income																8.16(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 Income																0.00	0.00	0.00	0.00	0.00	0.00	0.00	N/A%
Pre-tax income																7.76(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 Income																6.41(B)	8.69(B)	9.93(B)	11.20(B)	12.87(B)	13.14(B)	9.82(B)	19%

Cash flow

Stock-based Comp.FCFCFONet IncomeD&ACFFStock IssuedStock RepurchasedDebt IssuedDebt RepaidDividend PaidCFIAcquisitionsDivestituresCapital Expenditures

Balance sheet

Total AssetsTotal LiabilitiesCurrent assetsCash and EquivalentsShort-term investmentsInventoriesReceivablesNon-current assetsNet PP&EIntangible AssetsGoodwillCurrent liabilitiesAccounts payableNon-current liabilitiesLong-Term DebtTotal Equity

Per share data

EPS (Basic)FCF/ShareDividend/ShareEPS (Diluted)Book value/ShareCash & ST inv./ShareDebt/Share

Ratios

P/EP/SEV/EarningsP/FCFP/BEV/FCFDebt/EquityPayout ratio

Margins

Net Income MarginOperating MarginGross MarginEBITDA MarginFCF Margin

Returns

ROICROAROCEROE

Shares outstanding

Shares (Basic)Shares (Diluted)

Market Cap.

Similar Companies

Ownership

Major holders

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

Institutional ownership

Insider transactions

Show:

Buys

Sells

Grants

	Date	Shares	Total ($)	Price ($)	Name	Title
Grant	2025-04-07	5,126	0	0.0	MUIGAI SUSAN W	Officer
Sell	2025-03-26	15,775	8,678,717	550.2	MIEBACH MICHAEL	Chief Executive Officer
Grant	2025-03-19	7,132	1,237,331	173.5	MCLAUGHLIN EDWARD GRUNDE	Officer
Sell	2025-03-19	7,132	3,813,338	534.7	MCLAUGHLIN EDWARD GRUNDE	Officer
Grant	2025-03-05	11,002	1,908,737	173.5	VOSBURG CRAIG	Officer
Grant	2025-03-05	11,952	2,073,552	173.5	MIEBACH MICHAEL	Chief Executive Officer
Sell	2025-03-05	11,002	6,118,671	556.1	VOSBURG CRAIG	Officer
Sell	2025-03-05	17,664	9,781,694	553.8	MIEBACH MICHAEL	Chief Executive Officer
Grant	2025-02-28	10,692	0	0.0	KIRKPATRICK LINDA PISTECCHIA	Officer
Grant	2025-02-28	5,982	0	0.0	LING HAI	Officer
Grant	2025-02-28	5,540	0	0.0	LAMBERT JORN	Officer
Grant	2025-02-28	15,805	0	0.0	VOSBURG CRAIG	Officer
Grant	2025-02-28	44,835	0	0.0	MIEBACH MICHAEL	Chief Executive Officer
Grant	2025-02-28	19,504	0	0.0	SACHIN J. MEHRA	Chief Financial Officer
Grant	2025-02-28	10,262	0	0.0	MADABHUSHI VENKATA RAJAMANNAR	Officer
Grant	2025-02-28	1,718	0	0.0	HUNTSMAN JON M JR	Officer
Grant	2025-02-28	14,291	0	0.0	MURPHY TIMOTHY H	Officer
Grant	2025-02-28	938	0	0.0	ARKELL SANDRA A	Officer
Grant	2025-02-28	11,332	0	0.0	MCLAUGHLIN EDWARD GRUNDE	Officer
Grant	2025-02-28	8,009	0	0.0	SESHADRI RAJEEV	Officer
Grant	2025-02-26	11,003	1,908,910	173.5	VOSBURG CRAIG	Officer
Sell	2025-02-26	11,003	6,191,557	562.7	VOSBURG CRAIG	Officer
Grant	2025-02-18	5,908	663,527	112.3	MCLAUGHLIN EDWARD GRUNDE	Officer
Grant	2025-02-18	11,003	1,908,910	173.5	VOSBURG CRAIG	Officer
Grant	2025-02-18	18,000	3,122,820	173.5	MIEBACH MICHAEL	Chief Executive Officer
Sell	2025-02-18	14,103	7,968,215	565.0	VOSBURG CRAIG	Officer
Sell	2025-02-18	18,000	10,169,095	564.9	MIEBACH MICHAEL	Chief Executive Officer
Sell	2025-02-18	10,942	6,182,128	565.0	MCLAUGHLIN EDWARD GRUNDE	Officer
Grant	2025-02-14	180	0	0.0	GENACHOWSKI JULIUS	Director
Grant	2025-02-14	180	0	0.0	GENACHOWSKI JULIUS	Director
Grant	2025-01-31	715	0	0.0	MURPHY TIMOTHY H	Officer
Grant	2024-11-01	4,716	1,071,711	227.3	SACHIN J. MEHRA	Chief Financial Officer
Sell	2024-11-01	4,716	2,360,075	500.4	SACHIN J. MEHRA	Chief Financial Officer
Grant	2024-09-27	2,598	915,696	352.5	MADABHUSHI VENKATA RAJAMANNAR	Officer
Sell	2024-09-27	4,686	2,300,967	491.0	MADABHUSHI VENKATA RAJAMANNAR	Officer
Grant	2024-09-20	2,598	894,959	344.5	MADABHUSHI VENKATA RAJAMANNAR	Officer
Sell	2024-09-20	4,685	2,294,981	489.9	MADABHUSHI VENKATA RAJAMANNAR	Officer
Grant	2024-09-17	1,100	249,975	227.3	ARKELL SANDRA A	Officer
Sell	2024-09-17	1,100	550,000	500.0	ARKELL SANDRA A	Officer
Grant	2024-09-13	2,598	897,280	345.4	MADABHUSHI VENKATA RAJAMANNAR	Officer
Sell	2024-09-13	4,685	2,310,174	493.1	MADABHUSHI VENKATA RAJAMANNAR	Officer
Grant	2024-08-29	1,100	249,975	227.3	ARKELL SANDRA A	Officer
Sell	2024-08-29	1,100	528,000	480.0	ARKELL SANDRA A	Officer
Sell	2024-08-22	90,000	42,192,414	468.8	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-08-21	90,000	42,032,160	467.0	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-08-20	95,000	44,436,792	467.8	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-08-19	109,000	50,951,897	467.4	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Grant	2024-08-16	6,724	1,166,547	173.5	SACHIN J. MEHRA	Chief Financial Officer
Grant	2024-08-16	2,892	260,656	90.1	LING HAI	Officer
Sell	2024-08-16	2,892	1,359,240	470.0	LING HAI	Officer
Sell	2024-08-16	6,724	3,160,280	470.0	SACHIN J. MEHRA	Chief Financial Officer
Sell	2024-08-16	119,000	55,746,764	468.5	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Grant	2024-08-05	5,776	648,703	112.3	SACHIN J. MEHRA	Chief Financial Officer
Sell	2024-08-05	13,439	6,114,745	455.0	SACHIN J. MEHRA	Chief Financial Officer
Grant	2024-08-01	1,100	249,975	227.3	ARKELL SANDRA A	Officer
Grant	2024-08-01	2,892	260,656	90.1	LING HAI	Officer
Sell	2024-08-01	1,100	512,006	465.5	ARKELL SANDRA A	Officer
Sell	2024-08-01	2,892	1,346,110	465.5	LING HAI	Officer
Sell	2024-06-26	138,000	62,540,855	453.2	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-25	136,000	62,031,626	456.1	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-24	131,000	60,189,666	459.5	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-21	115,000	52,025,126	452.4	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Grant	2024-06-20	9,028	1,013,935	112.3	VOSBURG CRAIG	Officer
Sell	2024-06-20	9,028	4,072,170	451.1	VOSBURG CRAIG	Officer
Sell	2024-06-20	111,000	50,068,925	451.1	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Grant	2024-06-18	545	0	0.0	BRACHER CANDIDO	Director
Grant	2024-06-18	545	0	0.0	SULZBERGER GABRIELLE	Director
Grant	2024-06-18	545	0	0.0	GOH CHOON PHONG	Director
Grant	2024-06-18	545	0	0.0	DAVIS RICHARD K	Director
Grant	2024-06-18	545	0	0.0	TALWAR HARIT	Director
Grant	2024-06-18	545	0	0.0	QURESHI RIMA	Director
Grant	2024-06-18	545	0	0.0	MATSUMOTO OKI	Director
Grant	2024-06-18	545	0	0.0	UGGLA LANCE DARRELL GORDON	Director
Grant	2024-06-18	739	0	0.0	JANOW MERIT E	Director
Grant	2024-06-18	545	0	0.0	GENACHOWSKI JULIUS	Director
Grant	2024-06-18	545	0	0.0	MOON YOUNGME E	Director
Sell	2024-06-18	108,000	48,493,004	449.0	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-17	5,242	2,339,199	446.2	MURPHY TIMOTHY H	Officer
Sell	2024-06-17	107,000	47,719,518	446.0	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-14	116,000	51,461,463	443.6	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-13	112,000	49,507,136	442.0	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Grant	2024-06-12	6,922	1,386,800	200.3	SESHADRI RAJEEV	Officer
Sell	2024-06-12	108,000	48,070,044	445.1	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-12	6,922	3,112,570	449.7	SESHADRI RAJEEV	Officer
Sell	2024-06-11	112,000	50,073,520	447.1	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-10	113,000	50,606,948	447.8	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-07	115,000	51,822,208	450.6	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-06	114,000	51,101,800	448.3	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Grant	2024-06-05	6,921	1,386,573	200.3	SESHADRI RAJEEV	Officer
Grant	2024-06-05	9,028	1,013,935	112.3	VOSBURG CRAIG	Officer
Sell	2024-06-05	9,028	4,038,044	447.3	VOSBURG CRAIG	Officer
Sell	2024-06-05	115,000	51,187,305	445.1	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-05	8,368	3,714,813	443.9	SESHADRI RAJEEV	Officer
Sell	2024-06-04	111,000	49,184,333	443.1	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-06-03	5,241	2,314,280	441.6	MURPHY TIMOTHY H	Officer
Sell	2024-06-03	110,000	48,556,882	441.4	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-31	103,000	45,494,410	441.7	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-30	104,000	46,041,268	442.7	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Grant	2024-05-29	6,921	1,386,573	200.3	SESHADRI RAJEEV	Officer
Sell	2024-05-29	8,673	3,860,159	445.1	SESHADRI RAJEEV	Officer
Sell	2024-05-29	110,000	48,777,982	443.4	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-28	107,000	47,511,852	444.0	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-24	104,000	46,957,217	451.5	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-23	104,000	47,138,333	453.3	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Grant	2024-05-22	9,028	1,013,935	112.3	VOSBURG CRAIG	Officer
Sell	2024-05-22	9,028	4,150,607	459.7	VOSBURG CRAIG	Officer
Sell	2024-05-22	107,000	49,081,949	458.7	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-21	108,000	49,378,464	457.2	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-17	122,000	56,144,473	460.2	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Grant	2024-05-16	2,892	260,656	90.1	LING HAI	Officer
Sell	2024-05-16	2,892	1,330,320	460.0	LING HAI	Officer
Sell	2024-05-16	129,000	59,556,746	461.7	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-15	142,000	64,856,881	456.7	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Grant	2024-05-14	440	0	0.0	MURPHY TIMOTHY H	Officer
Sell	2024-05-14	141,000	63,786,638	452.4	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-13	141,000	64,501,014	457.5	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-10	142,000	64,832,585	456.6	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-09	200	90,710	453.6	ARKELL SANDRA A	Officer
Sell	2024-05-09	142,000	64,616,021	455.0	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-08	900	405,897	451.0	ARKELL SANDRA A	Officer
Sell	2024-05-08	151,000	68,335,201	452.6	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-07	149,000	67,211,650	451.1	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security
Sell	2024-05-06	5,241	2,345,868	447.6	MURPHY TIMOTHY H	Officer
Sell	2024-05-06	147,000	65,794,069	447.6	MASTERCARD FOUNDATION	Beneficial Owner of more than 10% of a Class of Security

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Enter the base dividend, current price, number of years, and dividend growth rate. Optionally, preload stock data to automatically fetch the dividend and price. The calculator will display the current yield and the projected future yield.

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