A Business at a Glance
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PART I Mastercard is a technology company in the global payments industry. We connect consumers, financial institutions, merchants, governments, digital partners, businesses and other organizations worldwide by enabling electronic payments and making those payment transactions secure, simple, smart and accessible. We make payments easier and more efficient by providing a wide range of payment solutions and services using our family of well-known and trusted brands, including our primary brand Mastercard®, as well as our Maestro® and Cirrus® brands. We operate a payments network that provides choice and flexibility for consumers, merchants and our customers. Through our unique and proprietary global payments network, we switch (authorize, clear and settle) payment transactions. We have additional payments capabilities that include automated clearing house (“ACH”) transactions (both batch and real-time account-based payments).
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 32.8B | 32.8B | 28.2B | 25.1B | 22.2B | 29.8B |
| Net Income | 15.0B | 15.0B | 12.9B | 11.2B | 9.9B | 8.7B |
| EPS | $16.52 | $16.52 | $13.89 | $11.83 | $10.22 | $8.76 |
| Free Cash Flow | 17.2B | 17.2B | 14.3B | 11.6B | 10.8B | 9.1B |
| ROIC | 90.0% | 88.5% | 153.3% | 169.8% | 157.8% | 118.6% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 2.55 | 2.55 | 2.93 | 2.46 | 2.27 | 2.01 |
| Dividends/Share | $3.04 | $3.15 | $2.74 | $2.37 | $2.04 | $1.76 |
| Operating Income | 18.9B | 18.9B | 15.6B | 14.0B | 12.3B | 10.1B |
| Operating Margin | 57.6% | 57.6% | 55.3% | 55.8% | 55.2% | 33.8% |
| ROE | 193.5% | 210.5% | 198.5% | 161.6% | 157.7% | 118.8% |
| Shares Outstanding | 906M | 906M | 927M | 946M | 972M | 992M |
Mastercard Inc passes 7 of 9 quality checks, indicating strong fundamentals.
Mastercard Inc trades at 30.8x trailing earnings, compared to its 15-year median P/E of 36.0x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 26.9x vs a median of 32.9x. The company's 5-year average ROIC is 137.6%. Total shareholder yield (dividends + buybacks) is 3.1%. At current prices, the estimated annualized return to fair value is +17.9%.
Mastercard Inc (MA) has a current P/E ratio of 30.8, compared to its historical median P/E of 36.0. The stock is currently considered Fair based on its historical valuation range.
Mastercard Inc (MA) has a 5-year average return on invested capital (ROIC) of 137.6%. This indicates strong capital allocation and a potential competitive advantage.
Mastercard Inc (MA) has a market capitalization of $460.8B. It is classified as a mega-cap stock.
Yes, Mastercard Inc (MA) pays a dividend with a trailing twelve-month yield of 0.60%. The company also returns capital through share buybacks, with a buyback yield of 2.54%.
Based on historical P/E analysis, Mastercard Inc (MA) appears fair. The current P/E of 30.8 is 15% below its historical median of 36.0. The estimated fair value CAGR (P/E method) is 16.3%.
Mastercard Inc (MA) operates in the Services-Business Services, Nec industry, within the Industrials sector.
Mastercard Inc (MA) reported annual revenue of $32.8 billion in its most recent fiscal year, based on SEC EDGAR filings.
Mastercard Inc (MA) has a net profit margin of 45.6%. This is a strong margin indicating high profitability.
Mastercard Inc (MA) generated $17.2 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Mastercard Inc (MA) has a debt-to-equity ratio of 2.55. This indicates higher leverage, which may increase financial risk.
Mastercard Inc (MA) reported earnings per share (EPS) of $16.52 in its most recent fiscal year.
Mastercard Inc (MA) has a return on equity (ROE) of 210.5%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 19 years of financial data for Mastercard Inc (MA), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Mastercard Inc (MA) has a book value per share of $8.54, based on its most recent annual SEC filing.