Mastercard Inc

  • Earnings Score
  • Safety Score
  • Market Cap $515.70B
  • PE 40
  • Debt $19.17B
  • Cash $10.81B
  • EV $524.06B
  • FCF $14.31B

Earnings

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Sales & Net Margins

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Earnings$12.87B
EBIT$15.58B
ROE198%
ROA32%
FCF$14.31B
Equity$6.52B
Growth Stability100%
PE40.06
PEG2.64
PB79.16
P/FCF36.05
P/S18.31
Price/Cash0.02
Debt/Equity2.94
Debt/FCF1.34
Net Margins46%
Op. Margins55%
Earnings CAGR16%
Sales Growth YoY14%
Sales Growth QoQ2%
Sales CAGR12%
FCF CAGR15%
Equity CAGR2%
Earnings Stability0.95
Earnings Growth YoY20%
Earnings Growth QoQ2%
Earnings CAGR 5Y15%
Sales CAGR 5Y15%
FCF CAGR 5Y15%
Equity CAGR 5Y3%
Earnings CAGR 3Y13%
Sales CAGR 3Y13%
FCF CAGR 3Y13%
Equity CAGR 3Y5%
Market Cap$515.70B
Revenue$28.17B
Dividend Yield0%
Payout Ratio20%
Assets$48.08B
Total Debt$19.17B
Cash$10.81B
Shares Outstanding925M
EV524.06B
Earnings Score95%
Safety Score86%
Working Capital504M
Current Ratio1.03
Shares Growth 3y-2%
Equity Growth QoQ-13%
Equity Growth YoY-7%

Assets & ROA

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Stockholders Equity & ROE

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Mastercard is the second- largest payment processor in the world, having processed close to $6 trillion in purchase transactions during 2021. Mastercard operates in over 200 countries and processes transactions in over 150 currencies.

SEC Filings

Direct access to Mastercard Inc (MA) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2024
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2022
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Mastercard Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Mastercard Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 16%
Stability 95%
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Mastercard Inc Discounted Cash Flow

Fully customizable DCF calculator online for Mastercard Inc.

= $410B
012345678910TV
fcf$14B$16B$19B$22B$25B$29B$33B$38B$44B$51B$58B$583B
DCF$15B$16B$16B$17B$18B$19B$20B$21B$21B$22B$225B
Value$410B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Net Margins39%38%31%39%48%42%46%45%45%46%46%
ROA-31%31%30%34%24%29%32%33%32%32%
ROE-71%71%108%137%99%118%156%161%198%198%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Debt over FCF-1.231.041.171.111.951.641.351.481.341.34
Debt over Equity0.540.9211.271.452.072.012.282.472.942.94
Growth Stability---100%100%100%100%100%100%100%100%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024CAGR 5Y
Revenue YoY growth-11%16%20%13%-9%23%18%13%12%15%
Earnings YoY growth-7%-4%50%39%-21%36%14%13%15%15%
Equity YoY growth--6%-3%-1%9%10%14%-14%10%-7%3%
FCF YoY growth-10%23%12%32%-11%32%19%8%23%15%