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MasterCard

NYQ:MA · US57636Q1040
Diversified Financial ServicesMedium

360

31
Medium confidence — indicative
EV / EBIT19
Price / Owner Earnings27
Owner Earnings Yield29
Dividend Yield85
Price/Sales7
EV / Gross Profit9
Price/Book5
Returns on capital96
Profit margins98
Cash Conversion28
Accruals50
Owner Earnings Margin97
Sales growth63
Profit Growth96
Long-Term EPS Growth71
Owner Earnings Growth64
Reinvestment58
Price momentum46
Debt load16
Debt serviceability9
Liquidity87
Analyst ratings87
Opinion Changes50
Price Target Upside42
Market mood85
Value Creation18/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

MasterCard generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustryDiversified Financial Services
SizeMedium
TypePublic Company
ExchangeNYSE
Founded2001
Employees38,048
Websitemastercard.us
ISINUS57636Q1040
Last UpdateApr 2, 2026
Indices
S&P 500 (USA)
Themes
Anti-FraudPayment Facilitator EnablersAuthenticationFintechElectronic Money Institutions (EMIs)Online PaymentsBuy Now Pay Later (BNPL)Smart CardsFinanceFinancial ServicesInformation TechnologyPayments

Description

Mastercard Incorporated (Mastercard) operates as a technology company in the global payments industry. The company connects consumers, financial institutions, merchants, governments, digital partners, businesses, and other organizations worldwide by…

Analysis

Hope premium

Mastercard Incorporated is priced well ahead of what the underlying numbers justify, a pattern we describe as a hope premium.

On valuation, the picture is expensive. The owner-earnings multiple stands at 26.4×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 10% a year, against analyst forecasts of 17%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is sturdy. The company scores 18/20 on our value-creation score: strong value creator.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
65
2023202420252026

All-time high

74

Mar 2026

All-time low

7

Jan 2025

Average rank

39

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
7
3
1
3
Price/Earnings
18
15
20
16
Price/Book
5
1
1
1
Dividend Yield
85
61
65
71
Value (overall)
26
10
8
13

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →