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Mastercard Incorporated
MA
573.67 (-0.02%) 0.10
518.60(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 Quality Checklist

5Y Shares Out Change < 0%
ROIC > 10%
Debt/Equity < 1
Current Ratio > 1
Quick Ratio > 1
Net Margin > 10%
Past Net Income CAGR > 0%
Est. EPS Growth > 5%
0.0%of Portfolio

My holdings

Day change:
Total change:
Shares:
Cost basis:
Compare
Market cap:$518.60(B)
EV:$510.62(B)
Total Equity:$7.87(B)
Div. yield:0.51%
Earnings date:Oct-30-2025
P/E:38.60
P/E (fwd):35.07
P/FCF:31.40
P/S:17.35
P/B:66.17
EPS:$14.9
EPS (fwd):$16.4
FCF/share:$18.3
Book value/share:$8.7
Dividend/share:$2.9
ROIC:54.3%
ROA:29.0%
ROE:177.9%
Gross margin:100.0%
Net margin:44.9%
Valuation Summary TTM Financials Growth Estimates Historical Data KPIs Competitors & Peers Ownership Tools

MA Valuation & Price Targets

Current Price
$574
Day change: -0.02%
PEvaluation
N/A
N/A
Analyst targets
N/A
N/A
DCF (2-stage)
N/A
N/A
DCF (simple)
N/A
N/A
DCF (exit mult.)
N/A
N/A
EPS growth
N/A
N/A
Revenue growth
N/A
N/A
Peter Lynch FV
N/A
N/A
Graham No.
N/A
N/A
DDM
N/A
N/A

PEvaluation

39% overvalued
Low
$261
Mid
$348
High
$435
Current price
$574
Fair P/E
Margin of safety
EPS
Market Model
Shares outstan...ROICRevenue growthDebt/FCFAssets/Liabili...
Economic moat: Wide

EPS Estimates

LowAvgHigh#
FY+115.916.416.636
FY+218.619.019.736
FY+321.322.122.825
FY+425.025.926.72
FY+528.928.928.91

Analyst Price Targets

14% undervalued
Low
$520
Mid
$653
High
$768
Current price
$574

Analyst Recommendations

Strong Buy5
Buy22
Hold9
Sell0
Strong Sell1

2-stage DCF

First Stage Duration
Starting Free Cash Flow
First Stage Growth Rate
LowMidHigh
Terminal Growth Rate
LowMidHigh
Discount Rate

Discounted Cash Flow

Forecast years
Terminal Growth Rate
LowMidHigh
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
LowMidHigh
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%

EPS Growth

Forecast years
Starting EPS
EPS Growth Rate
LowMidHigh
Final P/E
LowMidHigh
Discount Rate

Revenue Growth Valuation

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

Peter Lynch Fair Value

Earnings Per Share
Growth Rate

Graham Formula

Earnings Per Share
EPS Growth (7-10 years)
Government Bond Rate

Dividend Discount Model

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

TTM Financials

Income (TTM)

RevenueGrossNet
Revenue$30.24(B)
Gross profit$30.24(B)
EBITDA$18.77(B)
Net income$13.59(B)
Gross margin100.0%
Operating margin58.3%
Net margin44.9%
Shares outstanding:904.01(M)

Balance sheet

Cash & ST inv.Other ST assetsLong term assetsCurrent liabilitiesLong term debtOther LT liabilitiesEquity
Total assets$51.43(B)
Current assets$22.14(B)
Total liabilities$43.56(B)
Current liabilities$19.03(B)
Cash & Short-term inv.$9.37(B)
Long-term debt$18.97(B)
Total intangibles$15.23(B)
PP&E$2.23(B)

Cash flow (TTM)

CFOCFICFF
FCF$16.55(B)
CapEx$-401.00(M)
Dividends paid$-2.60(B)
Stock issued$226.00(M)
Stock repurchased$-11.53(B)
Stock-based comp.$571.00(M)
Debt issued$4.22(B)
Debt repaid$-1.09(B)

Per share data (TTM)

Price: $574
Revenue: $33.1 (17.3x | 5.8%) Gross profit: $33.5 (17.1x | 5.8%) Earnings: $14.9 (38.6x | 2.6%)
FCF: $18.3 (31.4x | 3.2%) Stock-based Comp.: $0.63 (908.2x | 0.1%) CapEx.: $0.44 (1293.3x | 0.1%) Dividend: $2.94 (195.1x | 0.5%)
Total Assets: $56.9 (10.1x | 9.9%) Total Liabilities: $48.2 (11.9x | 8.4%) Book Value: $8.67 (66.2x | 1.5%) Cash & ST inv.: $10.4 (55.4x | 1.8%) Debt: $21.0 (27.3x | 3.7%)
Earnings FY+1: $16.4 (35.1x | 2.9%) Earnings FY+2: $19.0 (30.2x | 3.3%) Earnings FY+3: $22.1 (26.0x | 3.9%) Earnings FY+4: $25.9 (22.2x | 4.5%) Earnings FY+5: $28.9 (19.8x | 5.0%)
FCF FY+1: $17.7 (32.4x | 3.1%) FCF FY+2: $19.4 (29.6x | 3.4%) FCF FY+3: $21.0 (27.3x | 3.7%) FCF FY+4: $27.0 (21.2x | 4.7%)

Growth Estimates

Revenue

CAGR: 10.6%
FY+1FY+2FY+3FY+4FY+5
FY+1$32.56(B)
FY+2(+12.1%)$36.49(B)
FY+3(+11.8%)$40.79(B)
FY+4(+10.3%)$45.00(B)
FY+5(+8.4%)$48.76(B)

Net Income

CAGR: 12.2%
FY+1FY+2FY+3FY+4FY+5
FY+1$14.83(B)
FY+2(+13.7%)$16.86(B)
FY+3(+13.7%)$19.17(B)
FY+4(+9.1%)$20.91(B)
FY+5(+12.4%)$23.50(B)

EPS

CAGR: 15.3%
FY+1FY+2FY+3FY+4FY+5
FY+1$16.36
FY+2(+16.1%)$18.99
FY+3(+16.4%)$22.10
FY+4(+17.0%)$25.86
FY+5(+11.9%)$28.94

FCF per share

CAGR: 15.1%
FY+1FY+2FY+3FY+4
FY+1$17.70
FY+2(+9.4%)$19.37
FY+3(+8.7%)$21.05
FY+4(+28.4%)$27.03

Historical Financials

Showing limited histrical data.
TTM (Y)TTM (Q)FYFQ
Income(show more...)
Q2'20 (TTM)Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0.05.0(B)10.0(B)15.0(B)20.0(B)25.0(B)30.0(B)
Revenue Operating Income Net IncomeCOGSGross ProfitTotal OpEx.R&DSG&AInterest ExpenseInterest IncomePre-tax incomeIncome tax
Cash flow(show more...)
Q2'20 (TTM)Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0.05.0(B)10.0(B)15.0(B)
Stock-based Comp. FCFCFONet IncomeD&ACFFStock IssuedStock RepurchasedDebt IssuedDebt RepaidDividend PaidCFIAcquisitionsDivestituresCapital Expenditures
Balance sheet(show more...)
Q2'20 (TTM)Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0.010.0(B)20.0(B)30.0(B)40.0(B)50.0(B)
Total Assets Total LiabilitiesCurrent assetsCash and EquivalentsShort-term investmentsInventoriesReceivablesNon-current assetsNet PP&EIntangible AssetsGoodwillCurrent liabilitiesShort-Term DebtAccounts payableNon-current liabilitiesLong-Term DebtTotal Equity
Per share data(show more...)
Q2'20 (TTM)Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0.05.010.015.0
EPS (Basic) FCF/Share Dividend/ShareEPS (Diluted)Book value/ShareCash & ST inv./ShareDebt/Share
Ratios(show more...)
Q2'20 (TTM)Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0.010.020.030.040.050.0
P/E P/S EV/EarningsP/FCFP/BEV/FCFDebt/EquityPayout ratio
Margins(show more...)
Q2'20 (TTM)Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0%20%40%60%
Net Income Margin Operating Margin Gross MarginEBITDA MarginFCF Margin
Returns(show more...)
Q2'20 (TTM)Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0%10%20%30%40%50%
ROIC ROAROCEROE
Shares outstanding(show more...)
Q2'20 (TTM)Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0.0200.0(M)400.0(M)600.0(M)800.0(M)1.0(B)
Shares (Basic)Shares (Diluted)
Market Cap.(show more...)
Q2'20 (TTM)Q2'21 (TTM)Q2'22 (TTM)Q2'23 (TTM)Q2'24 (TTM)Q2'25 (TTM)0.0100.0(B)200.0(B)300.0(B)400.0(B)500.0(B)
Market Cap.

KPIs

Purchase Transactions(show more...)
3/20236/20239/202312/20233/20246/20249/202412/20243/20256/2025
Asia Pacific, Middle East, and Africa Canada United States Europe Latin America

Competitors & Peers

Ownership

Major holders

*Excludes indirect insider ownership

Insiders: 0.51%
Institutions: 90.33%
Other: 9.16%

Institutional ownership

8.75% Vanguard Group Inc8.38% Mastercard Foundation ...7.66% Blackrock Inc.3.97% State Street Corporati...3.21% JPMORGAN CHASE & CO2.77% FMR, LLC2.66% Laurel Wealth Advisors...2.26% Price (T.Rowe) Associa...2.20% Geode Capital Manageme...1.94% Capital International ...46.52% Others

Trading Summary

In the past year, insiders have bought $0.00 worth of the company's stock, and sold $112.55(M).

Congress members have bought between $12012 - $180000 worth of the company's stock, and sold between $228018 - $720000.

Insider transactions

$0.002025-11$0.00
$0.002025-10$0.00
$10.20(M)2025-09$0.00
$16.98(M)2025-08$0.00
$1780492025-07$0.00
$23.46(M)2025-06$0.00
$4757582025-05$0.00
$0.002025-04$0.00
$28.39(M)2025-03$0.00
$30.51(M)2025-02$0.00
$0.002025-01$0.00
$0.002024-12$0.00
$2.36(M)2024-11$0.00
DateSharesTotal ($)Price ($)NameTitle
Sell2025-09-0217,26310,202,458591.0SACHIN J. MEHRAChief Financial Officer
Grant2025-09-0217,2635,319,348308.1SACHIN J. MEHRAChief Financial Officer
Sell2025-08-224,4852,691,000600.0LING HAIOfficer
Grant2025-08-224,485404,09890.1LING HAIOfficer
Sell2025-08-1917,81610,456,016586.9SACHIN J. MEHRAChief Financial Officer
Grant2025-08-1917,8164,258,915239.1SACHIN J. MEHRAChief Financial Officer
Sell2025-08-056,7583,828,164566.5SACHIN J. MEHRAChief Financial Officer
Sell2025-07-07312178,049570.7GENACHOWSKI JULIUSDirector
Sell2025-06-30958536,480560.0KIRKPATRICK LINDA PISTECCHIAOfficer
Sell2025-06-271,100601,447546.8SESHADRI RAJEEVOfficer
Grant2025-06-2461500.0JANOW MERIT EDirector
Grant2025-06-2445800.0SULZBERGER GABRIELLEDirector
Grant2025-06-2445800.0BRACHER CANDIDODirector
Grant2025-06-2445800.0GOH CHOON PHONGDirector
Grant2025-06-2445800.0DAVIS RICHARD KDirector
Grant2025-06-2445800.0GENACHOWSKI JULIUSDirector
Grant2025-06-2445800.0MOON YOUNGME EDirector
Grant2025-06-2445800.0TALWAR HARITDirector
Grant2025-06-2445800.0UGGLA LANCE DARRELL GORDONDirector
Grant2025-06-2445800.0QURESHI RIMADirector
Grant2025-06-2445800.0MATSUMOTO OKIDirector
Sell2025-06-24958536,480560.0KIRKPATRICK LINDA PISTECCHIAOfficer
Sell2025-06-24310173,910561.0GENACHOWSKI JULIUSDirector
Sell2025-06-209,4285,024,841533.0VOSBURG CRAIGOfficer
Sell2025-06-20949508,474535.8SESHADRI RAJEEVOfficer
Grant2025-06-209,4282,142,513227.3VOSBURG CRAIGOfficer
Sell2025-06-163,1321,759,494561.8SESHADRI RAJEEVOfficer
Sell2025-06-13959549,373572.9KIRKPATRICK LINDA PISTECCHIAOfficer
Sell2025-06-129,4285,545,364588.2VOSBURG CRAIGOfficer
Grant2025-06-129,4282,142,513227.3VOSBURG CRAIGOfficer
Sell2025-06-0514,0518,220,594585.1VOSBURG CRAIGOfficer
Grant2025-06-059,4282,142,513227.3VOSBURG CRAIGOfficer
Sell2025-05-15378218,223577.3ARKELL SANDRA AOfficer
Sell2025-05-12450257,535572.3ARKELL SANDRA AOfficer
Grant2025-05-011,66400.0VERMA RICHARD ROfficer
Grant2025-04-075,12600.0MUIGAI SUSAN WOfficer
Sell2025-03-2615,7758,678,717550.2MIEBACH MICHAELChief Executive Officer
Sell2025-03-197,1323,813,338534.7MCLAUGHLIN EDWARD GRUNDEOfficer
Grant2025-03-197,1321,237,331173.5MCLAUGHLIN EDWARD GRUNDEOfficer
Sell2025-03-0511,0026,118,671556.1VOSBURG CRAIGOfficer
Sell2025-03-0517,6649,781,694553.8MIEBACH MICHAELChief Executive Officer
Grant2025-03-0511,0021,908,737173.5VOSBURG CRAIGOfficer
Grant2025-03-0511,9522,073,552173.5MIEBACH MICHAELChief Executive Officer
Grant2025-02-288,00900.0SESHADRI RAJEEVOfficer
Grant2025-02-2811,33200.0MCLAUGHLIN EDWARD GRUNDEOfficer
Grant2025-02-285,98200.0LING HAIOfficer
Grant2025-02-285,54000.0LAMBERT JORNOfficer
Grant2025-02-2844,83500.0MIEBACH MICHAELChief Executive Officer
Grant2025-02-2810,69200.0KIRKPATRICK LINDA PISTECCHIAOfficer
Grant2025-02-2810,26200.0MADABHUSHI VENKATA RAJAMANNAROfficer
Grant2025-02-2819,50400.0SACHIN J. MEHRAChief Financial Officer
Grant2025-02-281,71800.0HUNTSMAN JON M JROfficer
Grant2025-02-2814,29100.0MURPHY TIMOTHY HOfficer
Grant2025-02-2893800.0ARKELL SANDRA AOfficer
Grant2025-02-2815,80500.0VOSBURG CRAIGOfficer
Sell2025-02-2611,0036,191,557562.7VOSBURG CRAIGOfficer
Grant2025-02-2611,0031,908,910173.5VOSBURG CRAIGOfficer
Sell2025-02-1818,00010,169,095564.9MIEBACH MICHAELChief Executive Officer
Sell2025-02-1814,1037,968,215565.0VOSBURG CRAIGOfficer
Sell2025-02-1810,9426,182,128565.0MCLAUGHLIN EDWARD GRUNDEOfficer
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
Grant2025-02-1418000.0GENACHOWSKI JULIUSDirector
Grant2025-02-1418000.0GENACHOWSKI JULIUSDirector
Grant2025-01-3171500.0MURPHY TIMOTHY HOfficer
Sell2024-11-014,7162,360,075500.4SACHIN J. MEHRAChief Financial Officer
Grant2024-11-014,7161,071,711227.3SACHIN J. MEHRAChief Financial Officer

Congressional trading

$0.002025-11$0.00
$0.002025-10$0.00
$0.002025-09$0.00
$0.002025-08$0.00
$0.002025-07$0.00
$1075012025-06$0.00
$750012025-05$0.00
$1295042025-04$40003
$80012025-03$8001
$0.002025-02$0.00
$80012025-01$32002
$0.002024-12$0.00
$1300022024-11$16001
DatePoliticianPartyChamberAmount ($)
Sell2025-06-27Michael T. McCaulRHouse$50,001 - $100,000
Sell2025-06-16Michael T. McCaulRHouse$15,001 - $50,000
Sell2025-05-12Jefferson ShreveRHouse$50,001 - $100,000
Sell2025-04-21Bruce WestermanRHouse$1,001 - $15,000
Sell2025-04-15Tommy TubervilleRSenate$15,001 - $50,000
Sell2025-04-09Josh GottheimerDHouse$1,001 - $15,000
Sell2025-04-09Ro KhannaDHouse$1,001 - $15,000
Sell2025-04-08Rob BresnahanRHouse$1,001 - $15,000
Sell2025-04-07Jefferson ShreveRHouse$15,001 - $50,000
Sell2025-04-07Jefferson ShreveRHouse$15,001 - $50,000
Buy2025-04-04Ro KhannaDHouse$1,001 - $15,000
Buy2025-04-04Ro KhannaDHouse$1,001 - $15,000
Buy2025-04-04Ro KhannaDHouse$1,001 - $15,000
Buy2025-04-04Ro KhannaDHouse$1,001 - $15,000
Buy2025-04-04Ro KhannaDHouse$1,001 - $15,000
Sell2025-03-06Josh GottheimerDHouse$1,001 - $15,000
Buy2025-03-03Bruce WestermanRHouse$1,001 - $15,000
Buy2025-01-31Josh GottheimerDHouse$1,001 - $15,000
Buy2025-01-30Josh GottheimerDHouse$1,001 - $15,000
Buy2025-01-17Ro KhannaDHouse$1,001 - $15,000
Sell2025-01-16Josh GottheimerDHouse$1,001 - $15,000
Buy2025-01-14John BoozmanRSenate$1,001 - $15,000
Sell2024-11-19Michael T. McCaulRHouse$15,001 - $50,000
Sell2024-11-19Michael T. McCaulRHouse$15,001 - $50,000
Sell2024-11-19Michael T. McCaulRHouse$15,001 - $50,000
Sell2024-11-19Michael T. McCaulRHouse$15,001 - $50,000
Buy2024-11-12Ro KhannaDHouse$1,001 - $15,000
Buy2024-11-12Ro KhannaDHouse$1,001 - $15,000
Sell2024-10-29Sheldon WhitehouseDSenate$1,001 - $15,000
Sell2024-10-29Sheldon WhitehouseDSenate$1,001 - $15,000

Summary

Tools

Dividend Income

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What is the Dividend Income Calculator?

The Dividend Income Calculator helps you estimate the yearly, quarterly, monthly, and daily income of your investments.

How to Use This Calculator?

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Required Investment

Dividend Yield
Desired Yearly Payout
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Desired Monthly Payout
What is the Required Investment Calculator?

The Required Investment Calculator helps you determine the amount of money you need to invest in a stock to achieve a desired dividend.

How to Use This Calculator?

Enter the dividend yield and your desired dividend income. Optionally, preload stock data to automatically fetch the dividend yield.

Future Dividend Yield

Base Dividend
Current Price
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Dividend Growth Rate
What is the Future Yield Calculator?

The Future Yield Calculator helps you estimate the future dividend yield of a stock based on its current dividend, price, and expected dividend growth rate.

How to Use This Calculator?

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.

Future Dividend Income

Base Dividend
Number of Years
Dividend Growth Rate
What is the Future Dividend Income Calculator?

The Future Dividend Income Calculator helps you estimate the future dividend income from your investments based on the current dividend yield and expected growth rate.

How to Use This Calculator?

Enter the current dividend yield, expected growth rate, and investment duration. Optionally, preload stock data to automatically fetch the dividend yield.

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