Mastercard Incorporated Logo

Mastercard Incorporated

MA

(3.2)
Stock Price

492,58 USD

38.8% ROA

186.01% ROE

37.02x PER

Market Cap.

400.032.513.720,00 USD

246.65% DER

0.55% Yield

44.61% NPM

Mastercard Incorporated Stock Analysis

Mastercard Incorporated Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Mastercard Incorporated Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (186.48%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 ROA

The stock's ability to make a lot of money from its assets shows that it is very profitable, making it a good choice for people who want to invest and make a lot of money.

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past five years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

5 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

6 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (1.042), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 PBV

The stock's elevated P/BV ratio (59.69x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

10 DER

The stock is burdened with a heavy load of debt (247%), making it financially unstable and potentially risky for investors.

11 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

Mastercard Incorporated Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Mastercard Incorporated Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Mastercard Incorporated Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Mastercard Incorporated Revenue
Year Revenue Growth
1998 1.089.712.000
2000 1.445.409.000 24.61%
2001 1.611.334.000 10.3%
2002 1.891.811.000 14.83%
2003 2.230.851.000 15.2%
2004 2.593.330.000 13.98%
2005 2.937.628.000 11.72%
2006 3.326.074.000 11.68%
2007 4.067.599.000 18.23%
2008 4.991.600.000 18.51%
2009 5.098.684.000 2.1%
2010 5.539.000.000 7.95%
2011 6.714.000.000 17.5%
2012 7.391.000.000 9.16%
2013 8.346.000.000 11.44%
2014 9.473.000.000 11.9%
2015 9.667.000.000 2.01%
2016 10.776.000.000 10.29%
2017 12.497.000.000 13.77%
2018 14.950.000.000 16.41%
2019 16.883.000.000 11.45%
2020 15.301.000.000 -10.34%
2021 18.884.000.000 18.97%
2022 22.237.000.000 15.08%
2023 26.132.000.000 14.91%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Mastercard Incorporated Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Mastercard Incorporated General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 0
2000 0 0%
2001 813.927.000 100%
2002 965.299.000 15.68%
2003 1.862.012.000 48.16%
2004 1.185.837.000 -57.02%
2005 1.351.082.000 12.23%
2006 1.505.185.000 10.24%
2007 1.758.388.000 14.4%
2008 1.913.679.000 8.11%
2009 1.941.719.000 1.44%
2010 1.857.000.000 -4.56%
2011 2.196.000.000 15.44%
2012 2.429.000.000 9.59%
2013 2.649.000.000 8.31%
2014 3.184.000.000 16.8%
2015 3.341.000.000 4.7%
2016 3.714.000.000 10.04%
2017 4.526.000.000 17.94%
2018 5.174.000.000 12.52%
2019 5.763.000.000 10.22%
2020 5.910.000.000 2.49%
2021 7.087.000.000 16.61%
2022 8.078.000.000 12.27%
2023 9.140.000.000 11.62%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Mastercard Incorporated EBITDA
Year EBITDA Growth
1998 18.254.000
2000 178.020.000 89.75%
2001 315.324.000 43.54%
2002 206.220.000 -52.91%
2003 -446.909.000 146.14%
2004 493.593.000 190.54%
2005 554.833.000 11.04%
2006 743.297.000 25.36%
2007 749.408.000 0.82%
2008 -422.499.000 277.38%
2009 2.401.485.000 117.59%
2010 2.900.000.000 17.19%
2011 2.959.000.000 1.99%
2012 4.165.000.000 28.96%
2013 4.829.000.000 13.75%
2014 5.420.000.000 10.9%
2015 5.421.000.000 0.02%
2016 6.188.000.000 12.39%
2017 7.072.000.000 12.5%
2018 8.855.000.000 20.14%
2019 10.213.000.000 13.3%
2020 8.739.000.000 -16.87%
2021 10.902.000.000 19.84%
2022 13.393.000.000 18.6%
2023 16.232.000.000 17.49%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Mastercard Incorporated Gross Profit
Year Gross Profit Growth
1998 1.089.712.000
2000 1.445.409.000 24.61%
2001 1.611.334.000 10.3%
2002 1.891.811.000 14.83%
2003 2.230.851.000 15.2%
2004 2.593.330.000 13.98%
2005 2.937.628.000 11.72%
2006 3.326.074.000 11.68%
2007 4.067.599.000 18.23%
2008 4.991.600.000 18.51%
2009 5.098.684.000 2.1%
2010 5.539.000.000 7.95%
2011 6.714.000.000 17.5%
2012 5.826.000.000 -15.24%
2013 6.607.000.000 11.82%
2014 7.409.000.000 10.82%
2015 7.562.000.000 2.02%
2016 8.551.000.000 11.57%
2017 9.810.000.000 12.83%
2018 11.736.000.000 16.41%
2019 13.346.000.000 12.06%
2020 11.514.000.000 -15.91%
2021 14.395.000.000 20.01%
2022 16.974.000.000 15.19%
2023 19.840.000.000 14.45%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Mastercard Incorporated Net Profit
Year Net Profit Growth
1998 24.183.000
2000 118.149.000 79.53%
2001 142.061.000 16.83%
2002 116.429.000 -22.02%
2003 -385.793.000 130.18%
2004 238.060.000 262.06%
2005 266.719.000 10.75%
2006 50.190.000 -431.42%
2007 1.085.886.000 95.38%
2008 -253.915.000 527.66%
2009 1.462.532.000 117.36%
2010 1.846.000.000 20.77%
2011 1.906.000.000 3.15%
2012 2.759.000.000 30.92%
2013 3.116.000.000 11.46%
2014 3.617.000.000 13.85%
2015 3.808.000.000 5.02%
2016 4.059.000.000 6.18%
2017 3.915.000.000 -3.68%
2018 5.859.000.000 33.18%
2019 8.118.000.000 27.83%
2020 6.411.000.000 -26.63%
2021 8.687.000.000 26.2%
2022 9.930.000.000 12.52%
2023 12.792.000.000 22.37%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Mastercard Incorporated Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 1 0%
2008 0 0%
2009 1 100%
2010 1 0%
2011 1 0%
2012 2 50%
2013 3 0%
2014 3 33.33%
2015 3 0%
2016 4 0%
2017 4 0%
2018 6 40%
2019 8 28.57%
2020 6 -16.67%
2021 9 25%
2022 10 20%
2023 14 23.08%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Mastercard Incorporated Free Cashflow
Year Free Cashflow Growth
2001 88.934.000
2002 204.407.000 56.49%
2003 46.975.000 -335.14%
2004 265.640.000 82.32%
2005 190.845.000 -39.19%
2006 555.693.000 65.66%
2007 613.439.000 9.41%
2008 242.955.000 -152.49%
2009 1.238.802.000 80.39%
2010 1.546.000.000 19.87%
2011 2.507.000.000 38.33%
2012 2.730.000.000 8.17%
2013 3.836.000.000 28.83%
2014 3.073.000.000 -24.83%
2015 3.701.000.000 16.97%
2016 4.102.000.000 9.78%
2017 5.132.000.000 20.07%
2018 5.719.000.000 10.26%
2019 7.455.000.000 23.29%
2020 6.516.000.000 -14.41%
2021 8.649.000.000 24.66%
2022 10.098.000.000 14.35%
2023 2.999.000.000 -236.71%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Mastercard Incorporated Operating Cashflow
Year Operating Cashflow Growth
2001 196.496.000
2002 305.772.000 35.74%
2003 190.445.000 -60.56%
2004 343.795.000 44.61%
2005 272.848.000 -26%
2006 650.161.000 58.03%
2007 769.861.000 15.55%
2008 413.228.000 -86.3%
2009 1.378.162.000 70.02%
2010 1.697.000.000 18.79%
2011 2.684.000.000 36.77%
2012 2.948.000.000 8.96%
2013 4.135.000.000 28.71%
2014 3.407.000.000 -21.37%
2015 4.043.000.000 15.73%
2016 4.484.000.000 9.83%
2017 5.555.000.000 19.28%
2018 6.223.000.000 10.73%
2019 8.183.000.000 23.95%
2020 7.224.000.000 -13.28%
2021 9.463.000.000 23.66%
2022 11.195.000.000 15.47%
2023 3.233.000.000 -246.27%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Mastercard Incorporated Capital Expenditure
Year Capital Expenditure Growth
2001 107.562.000
2002 101.365.000 -6.11%
2003 143.470.000 29.35%
2004 78.155.000 -83.57%
2005 82.003.000 4.69%
2006 94.468.000 13.19%
2007 156.422.000 39.61%
2008 170.273.000 8.13%
2009 139.360.000 -22.18%
2010 151.000.000 7.71%
2011 177.000.000 14.69%
2012 218.000.000 18.81%
2013 299.000.000 27.09%
2014 334.000.000 10.48%
2015 342.000.000 2.34%
2016 382.000.000 10.47%
2017 423.000.000 9.69%
2018 504.000.000 16.07%
2019 728.000.000 30.77%
2020 708.000.000 -2.82%
2021 814.000.000 13.02%
2022 1.097.000.000 25.8%
2023 234.000.000 -368.8%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Mastercard Incorporated Equity
Year Equity Growth
1998 257.248.000
2000 462.408.000 44.37%
2001 606.661.000 23.78%
2002 1.023.406.000 40.72%
2003 698.721.000 -46.47%
2004 974.952.000 28.33%
2005 1.169.148.000 16.61%
2006 2.364.359.000 50.55%
2007 3.027.307.000 21.9%
2008 1.927.355.000 -57.07%
2009 3.503.760.000 44.99%
2010 5.205.000.000 32.68%
2011 5.868.000.000 11.3%
2012 6.917.000.000 15.17%
2013 7.484.000.000 7.58%
2014 6.790.000.000 -10.22%
2015 6.028.000.000 -12.64%
2016 5.656.000.000 -6.58%
2017 5.468.000.000 -3.44%
2018 5.489.000.000 0.38%
2019 5.991.000.000 8.38%
2020 6.517.000.000 8.07%
2021 7.412.000.000 12.08%
2022 6.377.000.000 -16.23%
2023 6.381.000.000 0.06%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Mastercard Incorporated Assets
Year Assets Growth
1998 871.643.000
2000 1.187.060.000 26.57%
2001 1.486.305.000 20.13%
2002 2.260.875.000 34.26%
2003 2.900.905.000 22.06%
2004 3.264.670.000 11.14%
2005 3.700.544.000 11.78%
2006 5.082.470.000 27.19%
2007 6.260.041.000 18.81%
2008 6.475.849.000 3.33%
2009 7.470.279.000 13.31%
2010 8.837.000.000 15.47%
2011 10.693.000.000 17.36%
2012 12.462.000.000 14.2%
2013 14.242.000.000 12.5%
2014 15.329.000.000 7.09%
2015 16.269.000.000 5.78%
2016 18.675.000.000 12.88%
2017 21.329.000.000 12.44%
2018 24.860.000.000 14.2%
2019 29.236.000.000 14.97%
2020 33.584.000.000 12.95%
2021 37.669.000.000 10.84%
2022 38.724.000.000 2.72%
2023 39.674.000.000 2.39%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Mastercard Incorporated Liabilities
Year Liabilities Growth
1998 82.419.000
2000 82.992.000 0.69%
2001 879.644.000 90.57%
2002 1.236.181.000 28.84%
2003 2.197.564.000 43.75%
2004 2.285.098.000 3.83%
2005 2.526.776.000 9.56%
2006 2.713.491.000 6.88%
2007 3.228.114.000 15.94%
2008 4.543.874.000 28.96%
2009 3.958.412.000 -14.79%
2010 3.621.000.000 -9.32%
2011 4.816.000.000 24.81%
2012 5.533.000.000 12.96%
2013 6.747.000.000 17.99%
2014 8.505.000.000 20.67%
2015 10.207.000.000 16.67%
2016 12.991.000.000 21.43%
2017 15.761.000.000 17.58%
2018 19.442.000.000 18.93%
2019 23.245.000.000 16.36%
2020 27.067.000.000 14.12%
2021 30.257.000.000 10.54%
2022 32.347.000.000 6.46%
2023 33.293.000.000 2.84%

Mastercard Incorporated Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
25.89
Net Income per Share
11.61
Price to Earning Ratio
37.02x
Price To Sales Ratio
16.42x
POCF Ratio
36.95
PFCF Ratio
40.85
Price to Book Ratio
64.11
EV to Sales
16.77
EV Over EBITDA
27.48
EV to Operating CashFlow
37.32
EV to FreeCashFlow
41.74
Earnings Yield
0.03
FreeCashFlow Yield
0.02
Market Cap
400,03 Bil.
Enterprise Value
408,71 Bil.
Graham Number
41.86
Graham NetNet
-23.32

Income Statement Metrics

Net Income per Share
11.61
Income Quality
1
ROE
1.86
Return On Assets
0.26
Return On Capital Employed
0.56
Net Income per EBT
0.82
EBT Per Ebit
0.94
Ebit per Revenue
0.58
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0.36
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.76
Operating Profit Margin
0.58
Pretax Profit Margin
0.54
Net Profit Margin
0.45

Dividends

Dividend Yield
0.01
Dividend Yield %
0.55
Payout Ratio
0.19
Dividend Per Share
2.37

Operating Metrics

Operating Cashflow per Share
11.64
Free CashFlow per Share
10.41
Capex to Operating CashFlow
-0.11
Capex to Revenue
-0.05
Capex to Depreciation
-1.49
Return on Invested Capital
0.51
Return on Tangible Assets
0.39
Days Sales Outstanding
58.79
Days Payables Outstanding
36.59
Days of Inventory on Hand
113.32
Receivables Turnover
6.21
Payables Turnover
9.97
Inventory Turnover
3.22
Capex per Share
-1.23

Balance Sheet

Cash per Share
7,96
Book Value per Share
6,71
Tangible Book Value per Share
-5.45
Shareholders Equity per Share
6.71
Interest Debt per Share
17.13
Debt to Equity
2.47
Debt to Assets
0.39
Net Debt to EBITDA
0.58
Current Ratio
1.17
Tangible Asset Value
-5,13 Bil.
Net Current Asset Value
-16,31 Bil.
Invested Capital
2.47
Working Capital
2,46 Bil.
Intangibles to Total Assets
0.29
Average Receivables
3,84 Bil.
Average Payables
0,62 Bil.
Average Inventory
2072500000
Debt to Market Cap
0.04

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Mastercard Incorporated Dividends
Year Dividends Growth
2006 0
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 100%
2013 2 50%
2014 1 -100%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 2 0%
2021 2 0%
2022 2 0%
2023 2 50%

Mastercard Incorporated Profile

About Mastercard Incorporated

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.

CEO
Mr. Michael Miebach
Employee
33.400
Address
2000 Purchase Street
Purchase, 10577

Mastercard Incorporated Executives & BODs

Mastercard Incorporated Executives & BODs
# Name Age
1 Mr. Michael Miebach
Chief Executive Officer & Director
70
2 Mr. Rob Beard
Chief Legal Officer, General Counsel & Head of Global Policy
70
3 Mr. Greg Ulrich
Executive Vice President of Strategy, Corporate Development and M&A
70
4 Mr. Timothy Henry Murphy
Chief Administrative Officer
70
5 Mr. Raja Rajamannar
Chief Marketing & Communications Officer
70
6 Mr. Michael Fraccaro
Chief People Officer
70
7 Mr. Edward Grunde McLaughlin
President & Chief Technology Officer
70
8 Mr. Sachin Mehra
Chief Financial Officer
70
9 Mr. Craig E. Vosburg
Chief Product Officer
70
10 Mr. Devin Corr
Executive Vice President of Investor Relations
70

Mastercard Incorporated Competitors