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MA Mastercard Incorporated - Fundamental Analysis

BULLISH
MA Stock | Fundamental Analysis & Investment Insights
NYSE • Financial Services • Credit Services
Current Price
$545.73
Analyst Target
$656.51
+20.3% Upside
52W High
$601.77
52W Low
$465.59

AI Analysis

Powered by advanced machine learning algorithms

Confidence Score
75%
Analysis Accuracy
MA shows bullish fundamentals based on available metrics. Key strengths include strong valuation and growth metrics.

Key Strengths

Strong profitability with 45.3% profit margin
Strong revenue growth of 16.7%
Strong ROE of 184.9%

Key Risks

High valuation with P/E of 34.8
High debt burden with D/E of 2.40

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
51
Moderate
Value
20
Future
80
Past
75
Health
35
Dividend
45
AI Verdict
MA shows bullish fundamentals based on available metrics. Key strengths include strong valuation and growth metrics.
Key drivers: Strong profitability with 45.3% profit margin, Strong revenue growth of 16.7%, High valuation with P/E of 34.8
Confidence
65%
Value
20/100

Rule-based valuation fallback.

Positives
  • Insufficient data for clear positives.
Watchpoints
  • Premium 34.8x trailing earnings multiple.
  • P/B of 62.1 signals rich expectations.
Future
80/100

Rule-based growth outlook.

Positives
  • Revenue growth running at 16.7%.
  • Earnings expanding at 22.9%.
Watchpoints
No urgent risks highlighted.
Past
75/100

Historical performance + price trend: Shares moved +67.4% over 5Y and +5.5% over 1Y.

Positives
  • ROE sits at 184.9%.
  • Healthy profit margin of 45.3%.
Watchpoints
No urgent risks highlighted.
Health
35/100

Balance sheet & liquidity snapshot.

Positives
  • Insufficient data for clear positives.
Watchpoints
  • D/E ratio of 2.40 signals leverage risk.
Dividend
45/100

Dividend policy fallback.

Positives
  • Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$545.73
Analyst Target
$656.51
Upside/Downside
+20.3%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for MA and closest competitors.

Updated 2025-11-14
Company 5Y 3Y 1Y 6M 1M 1W
MA
Mastercard Incorporated
Primary
 +67.4% +61.7% +5.5% -6.2% -3.0% -1.1%
V
Visa Inc.
Peer
 +60.9% +60.8% +7.8% -9.3% -4.3% -1.6%
WFC
Wells Fargo & Company
Peer
 +283.2% +96.9% +19.4% +12.9% -1.1% -1.1%
BX
Blackstone Inc.
Peer
 +194.4% +58.7% -19.5% -2.1% -12.9% -3.1%
SCHW
The Charles Schwab Corporation
Peer
 +114.3% +25.6% +18.8% +6.7% +0.1% -0.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
34.83
Forward P/E
33.32
PEG Ratio
N/A
P/B Ratio
62.15
P/S Ratio
15.57
EV/Revenue
16.12
EV/EBITDA
25.86
Market Cap
$490.06B

Profitability

Profit margins and return metrics

Profit Margin 45.27%
Operating Margin 59.8%
Gross Margin 100.0%
ROE 184.86%
ROA 23.05%

Growth

Revenue and earnings growth rates

Revenue Growth +16.7%
Earnings Growth +22.9%
Q/Q Revenue Growth N/A
Q/Q Earnings Growth +20.3%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
2.4
High debt
Current Ratio
1.12
Good
Quick Ratio
0.72
Poor
Cash/Share
$11.86

Quarterly Earnings History

EPS performance vs analyst estimates

2026-01-29
$N/A
2025-10-30
$4.38
+1.5% surprise
2025-07-31
$4.15
+3.1% surprise
2025-05-01
$3.73
+4.8% surprise

Financial Services Sector Comparison

Comparing MA against 32 companies in the Financial Services sector (19 bullish, 12 neutral, 1 bearish)
P/E Ratio
34.83
This Stock
vs
22.34
Sector Avg
+55.9% (Expensive)
Return on Equity (ROE)
184.86%
This Stock
vs
26.06%
Sector Avg
+609.3% (Excellent)
Profit Margin
45.27%
This Stock
vs
25.09%
Sector Avg
+80.4% (Superior)
Debt to Equity
2.4
This Stock
vs
0.75
Sector Avg
+218.1% (Higher)
Revenue Growth
16.7%
This Stock
vs
20.1%
Sector Avg
-16.9% (Slower)
Current Ratio
1.12
This Stock
vs
1.41
Sector Avg
-20.5% (Weaker)

Similar Companies

Peer comparison within the same industry

Company AI Rating Market Cap P/E ROE Profit Margin Price
MA
Mastercard Incorporated
 BULLISH $490.06B 34.83 184.9% 45.3% $545.73
V
Visa Inc.
 NEUTRAL $636.9B 32.42 52.1% 50.1% $330.02
WFC
Wells Fargo & Company
 BULLISH $266.98B 14.01 11.5% 26.6% $85.05
BX
Blackstone Inc.
 NEUTRAL $170.2B 40.64 26.5% 21.2% $141.44
SCHW
The Charles Schwab Corporation
 BULLISH $167.73B 22.11 17.0% 35.9% $94.39

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date Insider Position Transaction Shares Value
2025-10-31 GENACHOWSKI JULIUS Director Gift 45 -
2025-09-02 SACHIN J. MEHRA Chief Financial Officer Sale 17,263 $10,202,458
2025-09-02 SACHIN J. MEHRA Chief Financial Officer Option Exercise 17,263 $5,319,348
2025-08-22 LING HAI Officer Option Exercise 4,485 $404,098
2025-08-22 LING HAI Officer Sale 4,485 $2,691,000
2025-08-19 SACHIN J. MEHRA Chief Financial Officer Sale 17,816 $10,456,016
2025-08-19 SACHIN J. MEHRA Chief Financial Officer Option Exercise 17,816 $4,258,915
2025-08-05 SACHIN J. MEHRA Chief Financial Officer Sale 6,758 $3,828,164
2025-07-07 GENACHOWSKI JULIUS Director Sale 312 $178,049
2025-06-30 KIRKPATRICK LINDA PISTECCHIA Officer Sale 958 $536,480
2025-06-27 SESHADRI RAJEEV Officer Sale 1,100 $601,447
2025-06-24 GENACHOWSKI JULIUS Director Sale 310 $173,910
2025-06-24 KIRKPATRICK LINDA PISTECCHIA Officer Sale 958 $536,480
2025-06-24 JANOW MERIT E Director Stock Award 615 -
2025-06-24 SULZBERGER GABRIELLE Director Stock Award 458 -
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
36 analysts
Tigress Financial
2025-11-06
main
Strong Buy Strong Buy
Truist Securities
2025-11-04
main
Buy Buy
Wells Fargo
2025-10-31
main
Overweight Overweight
Macquarie
2025-10-31
main
Outperform Outperform
RBC Capital
2025-10-31
main
Buy Buy
UBS
2025-10-31
main
Buy Buy
Citigroup
2025-10-22
init
Buy
Wells Fargo
2025-10-22
init
Overweight
Baird
2025-10-06
main
Outperform Outperform
TD Cowen
2025-08-11
reit
Buy Buy
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