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Earnings transcript
Read the complete earnings call transcript.
MA
Mastercard Incorporated
$493.44
1.79
(0.36%)
| Exchange: | NYSE |
| Market Cap: | 440.364B |
| Shares Outstanding: | 711.265M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Michael Miebach | |||||
| Full Time Employees: | 35300 | |||||
| Address: |
| |||||
| Website: | https://www.mastercard.com |
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. It facilitates the processing of payment transactions, including authorization, clearing, and settlement, as well as delivers other payment-related products and services. The company offers integrated products and value-added services for account holders, merchants, financial institutions, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; prepaid programs and management services; commercial credit and debit payment products and solutions; and payment products and solutions that allow its customers to access funds in deposit and other accounts. It also provides value-added products and services comprising cyber and intelligence solutions for parties to transact, as well as proprietary insights, drawing on principled use of consumer, and merchant data services. In addition, the company offers analytics, test and learn, consulting, managed services, loyalty, processing, and payment gateway solutions for e-commerce merchants. Further, it provides open banking and digital identity platforms services. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 25,098,000 | 28,167,000 | 32,791,000 |
| Gross Profit | 19,076,000 | 21,494,000 | 27,358,000 |
| EBITDA | 15,013,000 | 16,797,000 | 20,194,000 |
| Operating Income | 14,008,000 | 15,582,000 | 19,401,000 |
| Net Income | 11,195,000 | 12,874,000 | 14,968,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 42,448,000 | 48,081,000 | 54,157,000 |
| Total Liabilities | 35,451,000 | 41,566,000 | 46,411,000 |
| Total Stockholders Equity | 6,929,000 | 6,485,000 | 7,737,000 |
| Total Debt | 15,681,000 | 18,226,000 | 19,000,000 |
| Cash and Cash Equivalents | 8,588,000 | 8,442,000 | 10,566,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 11,980,000 | 14,780,000 | 17,648,000 |
| Capital Expenditure | -371,000 | -474,000 | -489,000 |
| Free Cash Flow | 11,609,000 | 14,306,000 | 17,159,000 |
| Net Income | 11,195,000 | 12,874,000 | 14,968,000 |
| Net Change in Cash | 1,269,000 | 343,000 | 2,440,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 57,646,388.547 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 59,536,437.508 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 58,607,200 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 36,356,783.974 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 37,548,811.844 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 36,962,754.535 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 29,995,543.813 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 31,280,474.054 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 30,648,740.034 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 9,852,429.055 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 10,175,460.103 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 10,016,642.753 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 34.130 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 34.830 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 33.400 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 8 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 4 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: Mastercard reported strong financial results in Q4 and full-year 2024, with key metrics such as revenue, net income, and EPS showing consistent growth as per the earnings call transcript and income statement data. This reflects operational efficiency and market dominance.
- Strong Cash Flow Generation: The cash flow statements indicate healthy net cash provided by operating activities and positive free cash flow, underscoring Mastercard's ability to fund growth initiatives and return value to shareholders through dividends.
- Market Leadership in Payments Sector: As highlighted in the company profile and sector data, Mastercard maintains a leading position in the financial services sector and payments industry, benefiting from high gross and net profit margins (per key metrics) compared to industry averages.
- Global Presence and Scale: Revenue geographic segments data shows diversified revenue streams across multiple regions, reducing dependency on any single market and enhancing resilience against regional economic downturns.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates MA intrinsic value between $227.08 – $446.87 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about MA valuation
Is Mastercard Incorporated (MA) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Mastercard Incorporated (MA) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is MA a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether MA trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is MA’s P/E ratio?
You can see MA’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for MA?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is MA a good long-term investment?
Whether MA fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
MA
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Daily snapshot
0.36
Trading Metrics:
| Open: | 488.13 | Previous Close: | 491.65 | |
| Day Low: | 487.75 | Day High: | 499.88 | |
| Year Low: | 465.59 | Year High: | 601.77 | |
| Price Avg 50: | 517.29 | Price Avg 200: | 552.96 | |
| Volume: | 2.475M | Average Volume: | 3.813M |
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Login — it's freeMA full analysis
Hey everyone, welcome back to the channel! Today, we’re diving deep into a comprehensive stock analysis of Mastercard Incorporated, ticker symbol MA. If you’re looking to understand whether this global payments giant is a solid addition to your portfolio, you’ve come to the right place. We’re going to break down everything from their financials to their recent performance, valuation, and even intrinsic value. So, grab a coffee, hit that like button, and let’s get started with this in-depth look at…
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