Stock AnalizMastercard Inc MA
Business Services · IPO 2006 · data as of November 13, 2026
Mastercard Inc (MA) is a consumer discretionary company listed in the US with a market value of about $576.0B. In the twelve months to September 30, 2026 it had revenue of $36.3B and net income of $17.0B, a net margin of 46.7%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is value (0/5).
Key numbers: a P/E of 34.6, a price to free cash flow of 35.8, 5-year revenue growth of 7% a year, a 5-year average ROIC of 49%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 40% below the current price.
Score: 3.2 / 5
Checks passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- ROE above 15%
Checks not passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- More cash than debt, or low debt to equity
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $36.3B | $32.8B | $28.2B | $25.1B | $22.2B | $29.8B | $23.6B | $25.0B | $21.8B | $12.5B | $10.8B |
| Net income | $17.0B | $15.0B | $12.9B | $11.2B | $9.9B | $8.7B | $6.4B | $8.1B | $5.9B | $3.9B | $4.1B |
| Free cash flow | $16.1B | $17.2B | $14.3B | $11.6B | $10.8B | $9.1B | $6.9B | $7.8B | $5.9B | $5.4B | $4.4B |
| EPS (diluted) | $19.12 | $16.52 | $13.89 | $11.83 | $10.22 | $8.76 | $6.37 | $7.94 | $5.60 | $3.65 | $3.69 |
| Net margin | 46.7% | 45.6% | 45.7% | 44.6% | 44.7% | 29.1% | 27.2% | 32.5% | 26.8% | 31.3% | 37.7% |
| ROIC | — | 55.2% | 51.6% | 49.2% | 49.2% | 38.6% | 33.5% | 53.1% | 50.5% | 36.5% | 38.0% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 37 analysts is $720.69, 9% above the current price; targets range from $550.00 to $800.00; the consensus rating is “Strong buy”; expected EPS is $20.06 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Mastercard’s P/E ratio?
About 34.6, based on the last twelve months of diluted earnings per share (forward P/E about 30.2).
Is Mastercard stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 40% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Mastercard pay a dividend?
Yes. The dividend yield is about 0.53%, and it has paid dividends for 10 years in our data.
Is Mastercard a good stock to buy?
We do not give buy or sell advice. Mastercard scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.