Stock Analysis
Mastercard IncorporatedMA
P/E 33.27×· 5Y range 27.05–49.60×· bottom 19% of history
Sector: Financial Services · Industry: Credit Services
AnalystsStrong Buy54 analystsP/E 33.3× sits at the 19th percentile of its 5.089664613278576-year history.
Cash covers 47% of debt · Q2 2026.
PMP Verdict
Strong business, attractive price
Strengths
- Profitability100
- Quality95
High-quality business at an attractive price.
Bull Case
- ✓Piotroski F-Score 8/9 — high earnings quality
- ✓Altman Z 9.5 — safe-zone balance sheet
- ✓ROE 290.0% — efficient capital deployment
- ✓Revenue CAGR 14.8% — durable top-line growth
- ✓Interest coverage 25.2× — debt well covered
What's happening with MA
Profile
Strong profitability, moat, earnings quality and growth; valuation lags behind.
How is each axis scored?
- Valuation47/100 · Weak
- P/E vs own history (19th pct)25/25
- FCF yield (3.1%)12/25
- P/S (15.4x)5/25
- EV/EBIT (27.0x)5/25
- Growth85/100 · Strong
- Revenue CAGR (14.8%)20/25
- Net income CAGR (14.6%)20/25
- EPS CAGR 5Y (17.2%)20/25
- Fwd implied growth (32.5%)25/25
- Profitability100/100 · Strong
- ROIC (86.7%)25/25
- ROE (290.0%)25/25
- Net margin (46.3%)25/25
- Operating margin (58.3%)25/25
- Financial Health74/100 · Moderate
- Altman Z (9.46)25/25
- Current ratio (1.06)12/25
- Interest coverage (25.2x)25/25
- Net cash / debt (D/A 23%)12/25
- Quality95/100 · Strong
- Piotroski F (8/9)25/25
- Beneish M (-2.53)25/25
- FCF conversion (103%)25/25
- Margin stability (σ 5.7%)20/25
- Moat100/100 · Strong
- ROIC >12% years (10/10 yrs)25/25
- Median gross margin (100.0%)25/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 31.3%)25/25
About Mastercard Incorporated
Mastercard is the second-largest payment processor in the world, having processed close to $11 trillion in volume during 2025. Show more
Mastercard operates in over 200 countries and processes transactions in over 150 currencies.
Headquarters: PURCHASE, NY · Employees: 39,800 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
47D+P/E (TTM)33.1xC
Grade C: ExpensivePrice / TTM EPS (own statements) — vs own 5Y history: 27.0x–49.6x · 19th pct
P/FCF33.6xC
Grade C: ExpensivePrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield3.1%C
Grade C: LowTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 2.1%–4.2% · 65th pct
P/S (TTM)15.36xD
Grade D: ExpensivePrice / TTM Revenue (own statements) — vs own 5Y history: 12.4x–22.1x · 23rd pct
EV/EBIT27.0xD
Grade D: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 21.9x–42.9x · 17th pct
EV/Sales15.7xD
Grade D: Very expensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E25.0xC
Grade C: ExpensivePrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio96.12xD
Grade D: Very expensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.98B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.54%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio18.0%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
100A+ROIC86.7%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE290.0%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA29.9%A
Grade A: StrongReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin46.3%A
Grade A: HighNet Income / Revenue
Operating Margin58.3%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin100.0%A
Grade A: PremiumGross Profit / Revenue
FCF Margin47.6%A
Grade A: HighFCF / Revenue
True FCF Margin45.9%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
85ARevenue CAGR14.8%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR14.6%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)17.2%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth32.5%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-12.0%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income3.8%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.8%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
74B+Altman Z-Score9.46A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.06xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio1.06xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage25.2xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment0.8yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.6xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity4.40xD
Grade D: HighDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.47xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
95A+Piotroski F-Score8/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.53A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion102.7%A
Grade A: StrongFCF / Net Income
Margin Stability5.7%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue2.1%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.64xC
Grade C: AverageRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
GENACHOWSKI JULIUS Filed | GENACHOWSKI JULIUS | SellOpen market sale | -370 | |
GENACHOWSKI JULIUS Filed | GENACHOWSKI JULIUS | SellOpen market sale | -1 | |
GENACHOWSKI JULIUS Filed | GENACHOWSKI JULIUS | SellOpen market sale | -370 | |
Huntsman Jon M Jr Filed | Huntsman Jon M Jr | Tax withholding | -178 | |
Ling Hai Filed | Ling Hai | Tax withholding | -88 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
McLaughlin Edward Grunde Filed | McLaughlin Edward Grunde | Tax withholding | -99 | |
SACHIN J. MEHRA Filed | SACHIN J. MEHRA | Tax withholding | -207 | |
Miebach Michael Filed | Miebach Michael | Tax withholding | -530 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
100A+ROIC >12% Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)100.0%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor31.3%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$18.56
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$13.22
Cash & short-term investments per share (Finnhub)
Book Value / Share$6.39
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$24.64B
Total debt obligations (short + long term)
Cash & Equiv.$11.61B
Cash and short-term investments
Net Debt$13.03B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$5.61B
Shareholders' equity (book value)
Asset / Liability1.11xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$538.83B
Current Market Capitalization
Beta0.81B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Mastercard Incorporated (MA)
Mastercard Incorporated meets 8 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 9.46 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk. Beneish M-Score of -2.53 suggests a low likelihood of earnings manipulation.
- Mastercard Incorporated converts about 48% of revenue into free cash flow — strong cash generation.
- Takes ~0.8 years to repay net debt from free cash flow.
- Return on equity of 290.0% is well above the market average.
See how MA ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all MA moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 9 | Regular | 590.52 | +2.74% | 2.59 |
| Oct 9 | After-hours | 589.50 | +2.56% | 2.42 |
| Oct 5 | Regular | 564.84 | +2.28% | 2.75 |
| Oct 5 | After-hours | 565.57 | +2.41% | 2.90 |
| Sep 30 | After-hours | 552.99 | -1.88% | -2.00 |
Frequently Asked Questions about MA
What is the current Mastercard Incorporated (MA) stock price?
MA is trading at $617.42 at the last market close, up 0.18% on the session. PreMarketPrice tracks MA pre-market, intraday and after-hours prices.
Is MA stock a buy right now?
PreMarketPrice's quantitative model rates Mastercard Incorporated's financial health at 74/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is MA stock overvalued?
Mastercard Incorporated trades at a trailing P/E of 33.1 and our valuation score rates it 47/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Mastercard Incorporated report earnings?
No confirmed earnings date is currently scheduled for MA. The Earnings section lists recent reports and updates as dates are announced.
What sector does Mastercard Incorporated operate in?
Mastercard Incorporated operates in the Financial Services sector, within the Credit Services industry. The Related Stocks section lists sector peers for comparison.
What does Mastercard Incorporated do?
Mastercard is the second-largest payment processor in the world, having processed close to $11 trillion in volume during 2025.
About Mastercard Incorporated (MA) Stock
Mastercard Incorporated (MA) is a US-listed stock operating in the Financial Services sector, specifically the Credit Services industry. As of the latest update, Mastercard Incorporated is trading at $617.42, up 0.18% on the day with a market capitalization of $538.8 billion. The financial health score for MA is 74/100, which indicates good financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for MA stock.
MA Stock Analysis & Key Metrics
On PreMarketPrice, you can track Mastercard Incorporated (MA) across multiple dimensions:
- Pre-market price & movement: Real-time MA stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for MA with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Mastercard Incorporated across multiple reporting periods.
- Financial health score: A composite score of 74/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for MA.
- Sector peers: Compare MA against 6 other financial services stocks on key financial metrics.
Is MA a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Mastercard Incorporated (MA) as an investment. The financial health score of 74/100 suggests good financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Mastercard Incorporated (MA) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.