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OverviewRevenueFinancialsValuationOutlookOwnership
Price
Performance · vs S&P 500
Company
Mastercard Incorporated
NYSE · USD
Mega cap
1.61× peer median
5.63× peer median
27% less volatile
Claude reads this page's data and writes up Mastercard Incorporated's financials, valuation and analyst coverage: built only from the figures here, with nothing pulled in from elsewhere.
Generated by an AI model from the data on this page. It can be wrong, and it isn't investment advice or a recommendation to buy or sell anything. Check every figure against the sections themselves before you rely on it.
$8.1B of net debt against $17.4B of annual operating cash flow.
Liquidity · FY25
$23.6B of current assets against $22.8B due within a year.
Liquidity · FY25
$18.9B in FY21 to $32.8B in FY25, with the latest year up 16.4%.
Growth · FY25
Free cash flow of $16.9B covers the business without outside capital, on $10.9B of cash and short-term investments.
Liquidity · FY25
$32.8B of revenue against $13.3B of operating costs, leaving $19.5B.
Profitability · FY25
53.4% in FY21 to 59.5% in FY25.
Profitability · FY25
$61.6B of free cash flow against $57.7B of net income across 5 fiscal years.
Quality · FY25
Revenue came in above consensus by 3.9% on average over the last four reports.
Quality · Jul '26
MA's VAS revenues rise 20% in Q2, driven by security, AI and digital solutions, but sustaining double-digit growth hinges on demand and cross-selling.
Goldman Sachs just combed through $10 trillion in equity positions and found a surprising overlap between hedge fund and mutual fund portfolios, and the shared favorites reveal a clear conviction about where institutional money expects the biggest returns.
Investors looking for stocks in the Financial Transaction Services sector might want to consider either Evertec (EVTC) or MasterCard (MA). But which of these two stocks is more attractive to value investors?
The two groups of investment managers suggest these stocks can keep climbing higher.
Instead of investing only in the companies at the infrastructure layer, it's time for AI believers to consider the dominant card payment networks.
In this Part 2 episode of Motley Fool Hidden Gems Investing, Motley Fool CEO Tom Gardner speaks with Mastercard CEO Michael Miebach, who discusses:
Average month-end to month-end move for MAin each calendar month. Point at a bar for that month's spread: past seasonality is a tendency in a small sample, not a forecast.
+$4.6B vs FY24
FY24 → FY25
FY21 → FY25, annualized
+16.0% vs the four before
Q2 FY26 · +14.1% YoY
Share of the latest fiscal year, largest first. The line is the segment across every fiscal year we have: hover it to read one.
What each segment added to or took off the top line in dollars: ranked by the size of the move, not its percentage.
+16.4% YoY
+0.0 pp YoY
+1.5 pp YoY
+16.3% YoY
−0.1 pp YoY
+18.9% YoY
+18.2% YoY
+$1.4B YoY
| $ billions | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Cash & equivalents | 10.6 | 8.4 | 8.6 | 7.0 | 7.4 |
| Short-term investments | 0.3 | 0.3 | 0.6 | 0.4 | 0.5 |
| Receivables | 4.6 | 3.8 | 4.1 | 3.4 | 3.0 |
| $ billions | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Operating cash flow | 17.4 | 14.8 | 12.0 | 11.2 | 9.5 |
| Capital expenditure | −0.5 | −0.5 | −0.4 | −1.1 | −0.8 |
| Free cash flow | 16.9 | 14.3 | 11.6 |
P/E vs EPS growth · below the channel = cheaper for its growth
P/S vs revenue growth · below the channel = cheaper for its growth
| Ticker | P/E | Fwd P/E | PEG | P/S | Fwd P/S | PSG | EPS gr | Rev gr |
|---|---|---|---|---|---|---|---|---|
| MA | 32.2 | 29.4 | 1.68 | 14.6 | 13.8 | 1.08 | 18% | 13% |
| V | 32.2 | 28.6 | 1.54 | 15.9 | 15.4 | 1.28 | 19% | 12% |
| AXP | 20.0 | 18.7 | 1.32 | 2.6 | 2.8 | 0.53 | 14% | 5% |
| COF | 13.6 | 10.8 | 0.12 | 1.7 | 2.1 | 1.75 | 90% | 1% |
| PYPL | 10.7 | 10.5 | 2.19 | 1.4 | 1.4 | 0.30 | 5% | 5% |
| SOFI | 36.3 | 31.2 | 0.85 | 4.3 | 4.9 | 0.30 | 37% | 17% |
Dots = reported EPS vs consensus · gap = surprise · dashed = estimate ($)
Solid = reported · dashed = forward consensus · shaded = analyst low–high ($B)
Rows: discount rate (r) · Columns: terminal growth (g∞) · cell = fair value, shaded by up/downside vs 586.
Last 12M · $26M bought · $71M sold · net −$45M
| Inventory |
|---|
| 0.0 |
| 0.0 |
| 0.0 |
| 0.0 |
| 0.0 |
| Total current assets | 23.6 | 19.7 | 19.0 | 16.6 | 16.9 |
|---|
| Property, plant & equipment | 2.3 | 2.1 | 2.1 | 2.0 | 1.9 |
|---|
| Long-term investments | 1.7 | 1.6 | 1.7 | 1.7 | 1.8 |
|---|
| Other non-current assets | 26.6 | 24.6 | 19.7 | 18.4 | 17.0 |
|---|
| Total assets | 54.2 | 48.1 | 42.4 | 38.7 | 37.7 |
|---|
| Accounts payable | 1.0 | 0.9 | 0.8 | 0.9 | 0.7 |
|---|
| Short-term debt | 0.7 | 0.8 | 1.3 | 0.3 | 0.8 |
|---|
| Total current liabilities | 22.8 | 19.2 | 16.3 | 14.2 | 13.2 |
|---|
| Long-term debt | 18.3 | 17.5 | 14.3 | 13.7 | 13.1 |
|---|
| Total liabilities | 46.4 | 41.6 | 35.5 | 32.3 | 30.3 |
|---|
| Shareholders’ equity | 7.7 | 6.5 | 6.9 | 6.3 | 7.3 |
|---|
Fiscal year · latest five reported years
| 10.1 |
| 8.6 |
| Investing cash flow | −1.4 | −3.4 | −1.4 | −1.5 | −5.3 |
|---|
| Dividends paid | −2.8 | −2.4 | −2.2 | −1.9 | −1.7 |
|---|
| Share buybacks | −11.7 | −11.0 | −9.0 | −8.8 | −5.9 |
|---|
| Net debt issued / (repaid) | 0.5 | 2.6 | 1.6 | 0.4 | 1.4 |
|---|
| Financing cash flow | −14.2 | −10.8 | −9.5 | −10.3 | −6.6 |
|---|
| Net change in cash | 2.2 | 0.3 | 1.3 | −0.7 | −2.5 |
|---|
Fiscal year · outflows shown negative