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MA
Mastercard Incorporated
$617.42
1.1
(0.18%)
| Exchange: | NYSE |
| Market Cap: | 540.866B |
| Shares Outstanding: | 711.265M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Financial – Credit ServicesView industry performance | |||||
| CEO: | Michael Miebach | |||||
| Full Time Employees: | 39800 | |||||
| Address: |
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| Website: | https://www.mastercard.com |
Mastercard Incorporated is a global technology firm specializing in providing transaction processing and a wide array of payment solutions, operating across the United States and internationally. Its core business centers on enabling the entire payment transaction lifecycle – including authorization, clearing, and settlement – alongside offering a spectrum of complementary payment services. The company provides a comprehensive suite of integrated products and value-added services to a diverse clientele, which includes individual account holders, merchants, financial institutions, businesses, governments, and other organizations. These offerings span programs enabling deferred payment credit, prepaid card management services, commercial credit and debit solutions, and tools for accessing funds in deposit and other accounts. Additionally, Mastercard offers advanced cyber and intelligence solutions designed to secure transactions for all participants, and provides proprietary insights derived from the responsible utilization of consumer and merchant data. For online merchants, its specialized offerings encompass analytics, experimental “test and learn” platforms, consulting, managed services, loyalty programs, payment processing, and secure gateway technologies. The company also operates open banking and digital identity platforms. Its prominent payment solutions are delivered under the MasterCard, Maestro, and Cirrus brands. Established in 1966, Mastercard Incorporated is headquartered in Purchase, New York.
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Revenue Segmentation
MA full analysis
Hey everyone, welcome back to the channel. Today we’re diving deep into one of the most iconic names in global finance—Mastercard. Ticker symbol MA. This isn’t just a quick overview; we’re going to walk through the business model, the revenue streams, the earnings, the balance sheet, a full SWOT analysis, recent performance, and what the numbers say about its intrinsic value. And of course, I’ll give you my honest take at the end. Let’s get into it. Mastercard is a…
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| MA | Mastercard Incorporated | 540.9B | 32.4 | 30.9 | 47.3% |
 V | Visa Inc. | 751.7B | 32.7 | 30.4 | 34.2% |
 AXP | American Express Company | 211.8B | 18.7 | 17.7 | 13.0% |
 COF | Capital One Financial Corporation | 123.8B | 12.3 | 9.8 | 6.8% |
 EP-PC | El Paso Energy Capital Trust I PFD CV … | 111.9B | 81.7 | — | 7.7% |
 PYPL | PayPal Holdings, Inc. | 48.5B | 10.4 | 10.5 | 14.5% |
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Earnings Call
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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 | 25,098,000 | 28,167,000 | 32,791,000 |
| EBITDA | 15,013,000 | 16,797,000 | 20,544,000 |
| Operating Income | 14,630,000 | 16,327,000 | 18,897,000 |
| 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 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 56,211,047.675 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 58,230,209.429 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 57,315,300 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 37,936,174.037 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 39,659,456.307 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 38,878,614.099 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 30,520,227.253 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 31,953,893.235 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 31,304,280.034 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 22,050,343.650 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 22,842,415.892 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 22,483,517.274 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 34.860 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 35.580 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 33.990 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 12 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 6 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
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Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates MA intrinsic value between $407.82 – $448.16 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 MA (MA) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for MA (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.
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