Mastercard Incorporated MA SPXR3KFINANCIAL
Company Overview
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. The company offers products and services for account holders, merchants, financial institutions, digital partners, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid programs services; consumer bill payment services; and commercial credit, debit, and prepaid payment products and solutions. It also provides solutions that enable businesses or governments to make payments to businesses, including Virtual Card Number, which is generated dynamically from an existing account and leverages the credit limit of the funding account; and a platform to optimize supplier payment enablement campaigns for financial institutions. In addition, the company offers Mastercard Move, which partners with digital messaging and payment platforms to enable consumers to send money directly within applications to other consumers; and partners with central banks, fintechs, and financial institutions, as well as enables various cross-border payment flows. Further, it provides security solutions; marketing, personalization, and issuer and merchant loyalty services; business and operational intelligence, advanced analytics and AI, consulting and agentic solutions, and payments and portfolio optimization; digital and authentication; processing and gateway solutions; and other solutions. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus names. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.
Why Investors Should Care
Return on capital employed stands at 60.2%.
Net profit has compounded at 19.2% per year over the last five years.
Revenue has grown at a 12.3% CAGR over the past five years.
Maintains a net profit margin of 46.3%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $32.79B (+16.4% YoY).
- Trailing 12 Months Year-on-year growth — revenue +14.1%, earnings +22.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 12.3%, profit CAGR 19.2%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 12.29% |
| 1 Year: | 14.10% |
Compounded Profit Growth
| 5 Years: | 19.21% |
| 1 Year: | 22.10% |
Stock Price Performance
| 1 Year: | +0.85% |
| 6 Months: | +11.26% |
| 3 Months: | +18.14% |
| 1 Month: | +0.57% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)52.91 · Neutral
P/E of 31.82 is above the sector median of 14.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Healthy ROCE of 60.2%.
- Excellent profit margin of 46.3%.
- Compounding revenue at 12.3% over 5 years.
- Profit CAGR of 19.2% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 7 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 8 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
| 9 | GS The Goldman Sachs Group, Inc. SPXR3KFINANCIAL | 1,038.61 | 16.04 | $302.41B | 1.94% | - | 16.90% | - | 2.21% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | 5.07B | 5.35B | 5.63B | - | 5.63B | 6.07B | 6.56B | - | 6.16B | 5.09B | 5.93B | 6.43B | 7.22B | 7.83B | 8.03B | 8.70B | 9.17B | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 1.35B | 1.25B | 1.37B | 1.11B | 1.35B | 1.38B | 1.67B | 1.36B | 1.51B | 1.65B | 1.94B | 1.52B | 1.82B | 1.94B | 2.29B | 1.23B | 2.21B | 2.40B | 2.65B | 2.40B | 2.21B | 1.71B | 2.10B | 2.20B | 2.34B | 2.72B | 2.95B | 3.02B | 3.11B | 3.14B | 3.66B | 3.84B | 3.60B | 4.04B | 4.00B | 4.15B | 4.78B | 5.06B | 4.91B | 5.59B |
| Diluted EPS | 0.89 | 0.81 | 0.86 | 0.79 | 0.86 | 0.89 | 1.08 | 0.86 | 1.00 | 1.10 | 1.34 | 0.21 | 1.41 | 1.50 | 1.82 | 0.87 | 1.80 | 2.00 | 2.07 | 2.07 | 1.68 | 1.41 | 1.51 | 1.83 | 2.08 | 2.44 | 2.68 | 2.34 | 2.58 | 2.47 | 3.00 | 3.39 | 3.22 | 3.50 | 3.53 | 3.59 | 4.07 | 4.34 | 4.35 | 4.97 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4.07B | 4.99B | 5.10B | 5.54B | 6.71B | 7.39B | 8.35B | 9.47B | 9.67B | 10.78B | 12.50B | 21.83B | 24.98B | 23.62B | 29.84B | 22.24B | 25.10B | 28.17B | 32.79B |
| Operating Income | 1.11B | -534.00M | 2.26B | 2.75B | 2.71B | 3.94B | 4.50B | 5.11B | 5.08B | 5.76B | 6.62B | 7.28B | 9.66B | 8.08B | 10.08B | 12.26B | 14.01B | 15.58B | 18.90B |
| Net Income | 1.09B | -254.00M | 1.46B | 1.85B | 1.91B | 2.76B | 3.12B | - | - | - | - | - | - | - | - | - | - | - | - |
| Diluted EPS | 7.96 | -1.94 | 11.16 | 14.05 | 1.48 | 2.19 | 2.56 | 3.10 | 3.35 | 3.69 | 3.65 | 5.60 | 7.94 | 6.37 | 8.76 | 10.22 | 11.83 | 13.89 | 16.52 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2006 | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Sep 2014 | Dec 2014 | Sep 2015 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 6.48B | 7.47B | 8.84B | 10.69B | 12.46B | 14.24B | - | 15.33B | - | 16.25B | 18.68B | 21.33B | 24.86B | 29.24B | 33.58B | 37.67B | 38.72B | 42.45B | 48.08B | 54.16B |
| Total Equity | 2.37B | 3.03B | 1.93B | 3.50B | 5.21B | 5.87B | 6.92B | 7.48B | - | 6.79B | - | 6.03B | 5.66B | 5.47B | 5.39B | 5.89B | 6.39B | 7.31B | 6.30B | 6.93B | 6.49B | 7.74B |
| Cash & Equivalents | 1.19B | 1.66B | 1.50B | 2.06B | 3.07B | 3.73B | 2.05B | 3.60B | 5.14B | 5.14B | 5.75B | 5.75B | 6.72B | 5.93B | 6.68B | 6.99B | 10.11B | 7.42B | 7.01B | 8.59B | 8.44B | 10.57B |
| Long Term Debt | - | - | 19.39M | 22.00M | - | - | - | 0 | - | 1.49B | - | 3.27B | 5.18B | 5.42B | 5.83B | 8.53B | 12.02B | 13.11B | 13.75B | 14.34B | 17.48B | 18.25B |
| Total Liabilities | - | - | 4.54B | 3.96B | 3.62B | 4.82B | 5.53B | 6.75B | - | 8.51B | - | 10.19B | 12.99B | 15.76B | 19.37B | 23.25B | 27.07B | 30.26B | 32.35B | 35.45B | 41.57B | 46.41B |
| Current Liabilities | - | - | 2.99B | 3.17B | 3.14B | 4.22B | 4.91B | 6.03B | - | 6.22B | - | 6.27B | 7.21B | 8.79B | 11.59B | 11.90B | 11.85B | 13.16B | 14.17B | 16.26B | 19.22B | 22.76B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 769.86M | 413.00M | 1.38B | 1.70B | 2.68B | 2.95B | 4.13B | 3.41B | 4.10B | 4.64B | 5.66B | 6.22B | 8.18B | 7.22B | 9.46B | 11.20B | 11.98B | 14.78B | 17.65B |
| Investing Cash Flow | 315.14M | 202.00M | -664.00M | -641.00M | -748.00M | -2.84B | -4.00M | 690.00M | -715.00M | -1.16B | -1.78B | -506.00M | -1.64B | -1.88B | -5.27B | -1.47B | -1.35B | -3.40B | -1.36B |
| Financing Cash Flow | -657.51M | -751.00M | -185.00M | 19.00M | -1.22B | -1.80B | -2.63B | -2.34B | -2.52B | -2.34B | -4.76B | -4.97B | -5.87B | -2.15B | -6.55B | -10.33B | -9.49B | -10.84B | -14.18B |
| Capital Expenditure | -81.59M | -76.00M | -57.00M | -61.00M | -77.00M | -96.00M | -155.00M | -175.00M | -177.00M | -215.00M | -300.00M | -330.00M | -422.00M | -339.00M | -407.00M | -1.10B | -1.09B | -1.19B | -1.22B |
| Free Cash Flow | 688.27M | 337.00M | 1.32B | 1.64B | 2.61B | 2.85B | 3.98B | 3.23B | 3.92B | 4.42B | 5.36B | 5.89B | 7.76B | 6.88B | 9.06B | 10.10B | 10.89B | 13.59B | 16.43B |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -603.00M | 1.14B | 542.00M | 2.11B |
| Share Buybacks | 600.53M | 649.00M | 0 | 0 | 1.15B | 1.75B | 2.44B | 3.39B | 3.52B | 3.51B | 3.76B | 4.93B | 6.50B | 4.47B | 5.90B | 8.75B | 9.03B | 10.95B | 11.73B |
| Dividends Paid | 74.00M | 79.00M | 79.00M | 79.00M | 77.00M | 132.00M | 255.00M | 515.00M | 727.00M | 837.00M | 942.00M | 1.04B | 1.34B | 1.60B | 1.74B | 1.90B | 2.16B | 2.45B | 2.76B |
Ratios (Annual)
Figures in %.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 27.2% | -10.7% | 44.3% | 49.7% | 40.4% | 53.3% | 54.0% | 53.9% | 52.5% | 53.5% | 53.0% | 33.4% | 38.7% | 34.2% | 33.8% | 55.2% | 55.8% | 55.3% | 57.6% |
| Net Margin % | 26.7% | -5.1% | 28.7% | 33.3% | 28.4% | 37.3% | 37.3% | - | - | - | - | - | - | - | - | - | - | - | - |
| ROE % | 35.8% | -13.2% | 41.8% | 35.5% | 32.5% | 39.9% | 41.6% | - | - | - | - | - | - | - | - | - | - | - | - |
| ROCE % | - | -15.3% | 52.5% | 48.3% | 41.9% | 52.1% | 54.8% | 56.1% | 50.9% | 50.2% | 52.8% | 54.9% | 55.8% | 37.2% | 41.1% | 49.9% | 53.5% | 54.0% | 60.2% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.64% | 66.39M | $39.52B |
| 2 | Mastercard Foundation Asset Management Corp | 6.94% | 60.35M | $35.93B |
| 3 | Vanguard Capital Management LLC | 5.99% | 52.12M | $31.03B |
| 4 | State Street Corporation | 4.25% | 36.96M | $22.00B |
| 5 | JPMORGAN CHASE & CO | 3.25% | 28.23M | $16.80B |
| 6 | FMR, LLC | 2.74% | 23.84M | $14.19B |
| 7 | Geode Capital Management, LLC | 2.47% | 21.51M | $12.81B |
| 8 | Vanguard Portfolio Management LLC | 2.20% | 19.16M | $11.41B |
| 9 | Price (T.Rowe) Associates Inc | 2.13% | 18.53M | $11.03B |
| 10 | Morgan Stanley | 1.73% | 15.00M | $8.93B |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for MA
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MA — Frequently Asked Questions
What is the current share price of Mastercard Incorporated (MA)?
As of 2026-09-07 16:24 PDT, Mastercard Incorporated (MA) trades at $579.21 on NYSE. Its 52-week range is $470.76 to $599.86.
What is the market capitalisation of MA?
Mastercard Incorporated (MA) has a market capitalisation of $503.60B on NYSE.
What is the P/E ratio of MA?
MA trades at a trailing price-to-earnings (P/E) ratio of 31.82. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 88.02.
Does MA pay a dividend?
Mastercard Incorporated (MA) currently offers a dividend yield of 0.60%.
Is MA a good stock to buy?
This page provides a data-driven analysis of Mastercard Incorporated (MA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.