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Stock Mastercard Incorporated MA

Mastercard Incorporated — Investlytic score 2/5 on the five criteria.

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40/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 2/5 criteria met. Data as of 03/10/2026.

  • ✅ Price trend passed
  • ✅ Growth passed
  • ❌ Debt failed
  • ❌ P/E failed
  • ❌ Correction failed

Price trend

Overall trend (8 years): the price has been multiplied by at least 1.5.

Price change 2018 → 2019: 58.28%

Price change 2019 → 2020: 19.54%

Price change 2020 → 2021: 0.67%

Price change 2021 → 2022: -3.23%

Price change 2022 → 2023: 22.66%

Price change 2023 → 2024: 23.46%

Price change 2024 → 2025: 8.41%

Price change 2025 → 2026: -3.66%

Price change 2026 (year to date): -2.33%

Financial growth

Revenue CAGR (8 years): 11.87%

Earnings CAGR (8 years): 14.34%

Growth status: positive trend (>1%/yr) in revenue and earnings.

Debt

Debt-to-equity ratio: 2.46

Debt/equity > 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 30.87

P/E > 25.0 (maximum threshold).

Correction (6 months)

Current correction: 8.31% from the high over 6 months.

Insufficient correction (< 10.0%).

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Criteria of the Investlytic model

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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
Mastercard Incorporated35.72.46+12.6 %🔒
Visa Inc.33.20.66+11.5 %–
Bank of America Corporation11.51.21+2.7 %–
HSBC Holdings plc10.82.81+3.6 %–
Morgan Stanley14.94.26+8.1 %★ 4/5

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by Mastercard Incorporated over the latest fiscal years.

Revenue
32.8 bn USD
fiscal year 2025
Net income
15.0 bn USD
fiscal year 2025
Net margin
45.6 %
fiscal year 2025
Average annual growth
+16.5 %
Revenue growth over 5 years
Average annual growth
+13.0 %
Revenue growth over 10 years
Market cap
569 bn USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
202015.3 bn6.4 bn41.9 %n/a
202118.9 bn8.7 bn46.0 %+23.4 %
202222.2 bn9.9 bn44.7 %+17.8 %
202325.1 bn11.2 bn44.6 %+12.9 %
202428.2 bn12.9 bn45.7 %+12.2 %
202532.8 bn15.0 bn45.6 %+16.4 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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Accounts and financial health

Balance sheet and cash flow published by Mastercard Incorporated over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
solid accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
n/a
not applicable to banks and insurance
Piotroski Score
5 / 9
4 to 6: average accounts
DCF Value
528.41 USD
DCF close to share price · share price 657.59 USD, gap -19.6 %
Net Debt / EBITDA
0.60 x
low debt
Fiscal year20212022202320242025
Cash and investments7.9 bn7.4 bn9.2 bn8.8 bn10.9 bn
Total Debt13.9 bn14.0 bn15.7 bn18.2 bn19.0 bn
Net Debt6.5 bn7.0 bn7.1 bn9.8 bn8.4 bn
Equity7.3 bn6.3 bn6.9 bn6.5 bn7.7 bn
Total assets37.7 bn38.7 bn42.4 bn48.1 bn54.2 bn
Operating cash flow9.5 bn11.2 bn12.0 bn14.8 bn17.6 bn
Investments (capex)814 m442 m371 m474 m489 m
Free cash-flow8.6 bn10.8 bn11.6 bn14.3 bn16.4 bn
Share buybacks5.9 bn8.8 bn9.0 bn11.0 bn11.7 bn
Dividends paid1.7 bn1.9 bn2.2 bn2.4 bn2.8 bn

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)34.08 x
Price / book value84.57 x
Return on Equity (ROE)252.9 %
Return on Invested Capital (ROIC)48.4 %
Net margin46.7 %
Debt / equity3.54 x
Current ratio1.01 x
Interest coverage26.26 x
Free cash-flow yield2.7 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Valuation and competitors

Mastercard Incorporated compared with its sector on the same exchange and with its main competitors.

Company P/E
33.1
81.1 % above the sector
Sector median P/E
18.3
financial services, NYSE
Sector over 10 years
18.3
10-year median, range 15.0 to 24.9

Direct competitors

CompanyMarket cap (USD)P/ENet margin
Mastercard Incorporated559 bn35.745.6 %
Visa Inc. V773 bn33.250.1 %
American Express Company AXP214 bn18.813.5 %
PayPal Holdings, Inc. PYPL47.4 bn10.715.8 %
Global Payments Inc. GPN25.6 bn7.518.2 %
EVERTEC, Inc. EVTC1.9 bn8.315.2 %
Paysafe Limited PSFE293 m2.8-10.7 %
WEX Inc. WEX6.3 bn11.011.4 %
Sector median (NYSE)18.3

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on . Competitors: comparable companies named by the data provider.

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Analyst consensus and forecasts

What the financial analysts covering Mastercard Incorporated publish: ratings, price targets and earnings forecasts.

Majority rating
buy
65 analysts
Average price target
682.88 USD
from 597.00 USD to 740.00 USD, 43 targets over 12 months
Gap with the share price
+7.0 %
price 638.01 USD on 30/10/2026

Breakdown of ratings

strong buy 1buy 51hold 13sell 0strong sell 0

Analysts' average target 682.88 USD, DCF value 528.41 USD, share price 638.01 USD.

Average target over the last 3 months: 695.30 USD (10 targets).

Analyst forecasts

Fiscal yearRevenueNet incomeExpected EPS (range)P/E on this EPSAnalysts
202637.4 bn18.0 bn20.03 (19.72 / 20.29)31.924
202742.1 bn20.8 bn23.16 (22.47 / 23.76)27.525
202847.1 bn24.0 bn26.87 (25.35 / 28.03)23.717

Amounts in USD, the reporting currency.

Track record against expectations: reported EPS above consensus 12 times over the last 12 releases.

Rating changes (12 months)

DateFirmBeforeAfter
30/10/2026JP MorganOverweightOverweight
30/10/2026TD CowenBuyBuy
30/10/2026Wells FargoOverweightOverweight
30/10/2026RBC CapitalOutperformOutperform
30/10/2026BarclaysOverweightOverweight

Source: ratings and forecasts published by analysts, collected on 07/11/2026. An analyst rating or target is not a guarantee.

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Dividends and earnings

Mastercard Incorporated: dividend history, last distributions, stock splits and earnings releases.

Frequency
quarterly
Last dividend
0.870 USD
ex-dividend on 09/10/2026
Last 12 months
3.48 USD
number of payments: 4
Yield
0.5 %
on the last known price
Years of increases
15
consecutive
Years of payments
20
uninterrupted
00.871.742.613.482007 : 0.0540 USD2008 : 0.0600 USD20082009 : 0.0600 USD2010 : 0.0600 USD20102011 : 0.0600 USD2012 : 0.105 USD20122013 : 0.210 USD2014 : 0.440 USD20142015 : 0.640 USD2016 : 0.760 USD20162017 : 0.880 USD2018 : 1.00 USD20182019 : 1.32 USD2020 : 1.60 USD20202021 : 1.76 USD2022 : 1.96 USD20222023 : 2.28 USD2024 : 2.64 USD20242025 : 3.04 USD2026 : 3.48 USD2026

Annual dividend per share (USD), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.

Latest ex-dividend dates

Ex-dividendAmountPayment
09/10/20260.870 USD09/11/2026
09/07/20260.870 USD07/08/2026
09/04/20260.870 USD08/05/2026
09/01/20260.870 USD09/02/2026
09/10/20250.760 USD07/11/2025
09/07/20250.760 USD08/08/2025
09/04/20250.760 USD09/05/2025
10/01/20250.760 USD07/02/2025

Earnings releases

DatePublished EPSExpected EPSSurprise
29/10/20265.315.17+2.7 %
30/07/20265.044.77+5.7 %
30/04/20264.604.41+4.3 %
29/01/20264.764.24+12.3 %
30/10/20254.384.32+1.4 %
31/07/20254.154.03+3.0 %

Stock splits

DateOperation
22/01/2014split: 10 shares for 1

Factual data: ex-dividend history and earnings calendar, as of 05/11/2026. A past dividend does not guarantee the next one.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in Mastercard Incorporated.

Free float
98.5 %
share of freely traded shares
Institutions
87.4 %
3,741 declared holders, 2026Q2
Large funds tracked
35
hold the stock as of 2026Q2
Executives (insiders)
0 / 48
0 purchases, 48 sales in 130 days
US elected officials
26
15 purchases, 11 sales in 12 months

Indices: S&P 500 (since 18/07/2008).

Large funds tracked

FundSharesValue (USD)Weight in the fundChangeQuarter
Vanguard Group79.9 m45.6 bn0.7 %+0.6 %2025Q4
State Street73.9 m38.0 bn0.6 %+102.7 %2026Q2
BlackRock66.4 m34.1 bn0.5 %-0.9 %2026Q2
JPMorgan Chase28.2 m14.4 bn0.8 %-13.6 %2026Q2
Fidelity23.8 m12.2 bn0.5 %-1.7 %2026Q2
Geode Capital Management21.5 m11.0 bn0.6 %+2.1 %2026Q2
T. Rowe Price18.5 m9.5 bn0.9 %-0.3 %2026Q2
Morgan Stanley15.0 m7.7 bn0.4 %-1.1 %2026Q2

Latest insider transactions

DatePersonSideAmount
02/11/2026Ling Haisale2.8 m USD
30/10/2026Ling Haisale2.8 m USD
16/10/2026Ling Haisale2.7 m USD
12/10/2026Genachowski Juliussale218,378 USD
09/10/2026Genachowski Juliussale216,450 USD
09/10/2026Genachowski Juliussale590 USD

Elected officials' disclosures

DateOfficialSideAmount
02/10/2026Pete Sessionssale$15,001 - $50,000
25/08/2026Michael McCaulsale$1,001 - $15,000
15/04/2025Thomas Hawley Tubervillesale$15,001 - $50,000
27/03/2026Alan Armstrongsale$15,001 - $50,000
08/06/2026Thomas Hawley Tubervillesale$15,001 - $50,000

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 08/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
NYSE
IPO: 25/05/2006
ISIN code
US57636Q1040
Workforce
35,300
full-time employees
Chief executive
Michael Miebach
Next earnings
28/01/2027

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about Mastercard Incorporated

What is the Mastercard Incorporated share price?

Latest recorded price: 652.70 USD on 06/11/2026, for a market cap of 569 bn USD.

What is the revenue of Mastercard Incorporated?

32.8 bn USD for fiscal year 2025, with net income of 15.0 bn USD (net margin 45.6 %).

Does Mastercard Incorporated pay a dividend?

Yes. Latest dividend: 0.870 USD per share, ex-dividend on 09/10/2026. Over 12 months: 3.48 USD. Yield on the latest known price: 0.5 %.

When does Mastercard Incorporated report its next earnings?

The next release is expected on 28/01/2027. EPS expected by analysts: 5.11.

What do analysts say about Mastercard Incorporated?

Out of 65 analysts: 52 buy or strong buy, 13 hold, 0 sell or strong sell. Average price target: 682.88 USD, i.e. +7.0 % from the share price.

What is the P/E ratio of Mastercard Incorporated?

Trailing 12-month P/E of 33.1, against 18.3 for the sector median on the same exchange (10-year median: 18.3).

Is Mastercard Incorporated stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN US57636Q1040).

How many employees does Mastercard Incorporated have?

35,300 full-time employees according to the latest published profile.

Who runs Mastercard Incorporated?

Michael Miebach is the company's chief executive.

Which large funds own Mastercard Incorporated?

As of 2026Q2, among the large funds tracked: Vanguard Group, State Street, BlackRock, JPMorgan Chase, Fidelity.

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