MA
Mastercard Incorporated
$484.09
▼ 1.2%Updated Today 6:01 PM ET
▼ Down 9.1% over the last 12 months
Market Cap
$432.77B
P/E
27.62x
Forward P/E (est.)
22.78x
ROE
206.1%
Revenue Growth
16.8%
EPS Growth
21.2%
Profit Margin
45.9%
FCF Yield
2.5%
Debt / Equity
2.46x
ROIC
—
Interest Coverage
32.86x
Current Ratio
0.98x
Dividend Yield
0.7%
Implied Growth (rev. DCF)
4.8%
Rating Score
65/100
Institutional-style technical read — sample, educational only
Downtrend — price ($484.09) is below the 50-day ($499.24) and 200-day ($535.33) averages.
Setup type
Range / mean-reversion
Holding time
1–6 weeks
Risk level
Medium
Risk / reward
1 : 1.7
Trade levels
Entry zone
$467.04 – $484.09
Stop loss
$458.84
Target 1
$504.64
Target 2
$523.89
Target 3
$540.94
Position sizing: Scale in; risk ≤ 1% of capital, half-size to start.
Technical analysis
RSI(14) is neutral (50); the MACD histogram is positive (upward momentum). Downtrend — price ($484.09) is below the 50-day ($499.24) and 200-day ($535.33) averages. ATR(14) is $11.37 (~2.3% of price), which sets the stop distance. Recent support sits near $464.52 and resistance near $504.64; the 52-week range is $464.52–$601.77.
Fundamental analysis
Revenue is growing at 16.8%, net margin near 45.9%, ROE roughly 206.1%; shares trade at 28x earnings. Quality score: 65/100.
Options flow
Live options-flow data needs a paid feed, so it isn't shown. For realized volatility, ATR of $11.37 (~2.3%/day) is the range to size stops and any option strikes around.
Volume analysis
The latest session traded 0.8× the 20-day average volume — roughly in line with normal activity.
Catalysts
The next quarterly earnings report is the main near-term catalyst. Technically, watch for a break and hold above $504.64 or a loss of $464.52.
Bullish scenario
Toll-booth model with ~57% operating margins and high returns.
Bearish scenario
Interchange and network regulation worldwide.
Invalidation
A daily close below $458.84 invalidates this setup read.
Probability-based scenario using sample data — not a recommendation or a guarantee of profit. Prioritize capital preservation, use stops, and size positions for risk. Past performance does not predict future results.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what MA's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. MA trades near $484.09, below its 50-day average ($499.24) and 200-day average ($535.33). Price below both averages is a downtrend — momentum is against buyers for now.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 50 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. MA's is $11.37 (~2.3% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month MA found buyers near $464.52 (support) and sellers near $504.64 (resistance); its 52-week range is $464.52–$601.77. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.8× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Mastercard is the number-two global card network, mirroring Visa's high-margin, asset-light economics with a growing value-added-services arm in data, fraud, and consulting that diversifies it beyond pure transaction fees.
4Y CAGR
14.8%
Revenue grew from $18.88B in 2021 to $32.79B in 2025, a 14.8% CAGR. The most recent year grew about 16.8% year over year, a healthy pace pointing to durable demand.
Gross Margin
—
Operating Margin
57.6%
Net Margin
—
ROE
206.1%
Gross margin runs near 76.0% with operating margin around 57.9% and net margin near 45.9%. Return on equity of roughly 206.1% indicates strong capital efficiency, and the margin profile has trended high and stable over the period shown.
Total Debt
$21.00M
Net Debt
-$7.88B
Net cash position
Net Debt / EBITDA
-0.42x
Debt / Equity
2.46x
Interest-bearing debt is about 4.0% of market capitalization and the debt-to-equity ratio is roughly 2.46x. Leverage is low, leaving the balance sheet well within comfortable limits.
Operating CF
$17.65B
Free Cash Flow
$17.16B
FCF Margin
52.3%
Operating cash flow comfortably exceeds reported net income, and free cash flow yield is around 2.5%. Cash generation is positive but partly absorbed by reinvestment and capital expenditure.
P/E
27.62x
P/S
13.42x
P/B
64.73x
EV / EBITDA
21.71x
Shares trade at roughly 28x trailing earnings (31x forward), 13.4x sales, and 28x EV/EBITDA. That is a full but defensible multiple for a quality franchise. Our internal rating is Favorable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How MA stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), MA ranks #39 of 76 by our overall rating. It trades at a premium versus the sector on earnings (27.6x P/E vs. 15.2x median) with a higher return on equity (206.1% vs. 15.3%) and faster revenue growth (16.8% vs. 9.1%).
P/E vs sector
27.6x
median 15.2x
ROE vs sector
206.1%
median 15.3%
Growth vs sector
16.8%
median 9.1%
Sector rank
#39
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$997.45 – $1,642.85
vs. $484.09 today · expected CAGR 16% – 28%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $38.37B | $44.89B | $52.52B | $61.45B | $71.89B |
| Net income | $3.84B | $4.49B | $5.25B | $6.14B | $7.19B |
| EPS | $31.31 | $36.63 | $42.86 | $50.15 | $58.67 |
| Share price (low) | $532.29 | $622.78 | $728.65 | $852.52 | $997.45 |
| Share price (high) | $876.71 | $1,025.75 | $1,200.13 | $1,404.15 | $1,642.85 |
| CAGR (low–high) | 10% / 81% | 13% / 46% | 15% / 35% | 15% / 31% | 16% / 28% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
- Toll-booth model with ~57% operating margins and high returns.
- Fast-growing services segment diversifies beyond pure transaction fees.
- Long runway in cross-border and digital payments.
- Interchange and network regulation worldwide.
- Real-time payment systems threaten long-term card economics.
- Trades at a premium multiple that assumes continued double-digit growth.
- Regulatory fee caps.
- Disruption from account-to-account rails.
- Cyclical consumer spending.
Mastercard is a premier payments franchise with Visa-like economics and a faster-growing services arm; the price you pay, not the business quality, is the main risk.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.