Mastercard Inc
NYSE:MA

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Mastercard Inc
NYSE:MA
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Price: 533.48 USD -0.37% Market Closed
Market Cap: 486.4B USD
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Intrinsic Value

The intrinsic value of one MA stock under the Base Case scenario is 347.12 USD. Compared to the current market price of 533.48 USD, Mastercard Inc is Overvalued by 35%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

MA Intrinsic Value
347.12 USD
Overvaluation 35%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation History
Mastercard Inc

Intrinsic Value History
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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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MA
Valuation History
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Valuation History Unavailable

Historical valuation for MA cannot be conducted due to limitations such as insufficient data or other constraints.

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Fundamental Analysis

Company Overview
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Business Segments
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Economic Moat
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Earnings Call
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Management
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Bear Theses

Mastercard’s heavy dependence on cross-border transactions for revenue growth makes the company vulnerable to geopolitical tensions and currency fluctuations, which could suppress profit margins if international travel or commerce slows.

A surge of competition from alternative payment platforms, such as mobile wallets and real-time payment networks, may erode Mastercard’s pricing power by offering merchants and consumers cheaper or faster settlement solutions.

Increasing regulatory scrutiny and heightened antitrust concerns, particularly around interchange fees and network exclusivity, could limit Mastercard’s ability to negotiate favorable terms or maintain its historically high profitability levels.

Bull Theses

Mastercard’s global brand recognition and extensive acceptance network position it strongly to capitalize on the ongoing secular shift from cash to electronic payments, sustaining robust transaction volumes.

The company’s aggressive push into digital and contactless payments—coupled with strategic investments in open banking and value-added services—differentiates Mastercard’s platform, potentially driving incremental revenue streams beyond traditional card transactions.

Strong partner relationships with leading financial institutions, fintechs, and technology firms create a virtuous cycle of adoption, reinforcing Mastercard’s network effects and safeguarding market share even as new payment technologies emerge.

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Mastercard Inc

Current Assets 19.7B
Cash & Short-Term Investments 8.8B
Receivables 5.8B
Other Current Assets 5.1B
Non-Current Assets 28.4B
Long-Term Investments 1.6B
PP&E 2.1B
Intangibles 14.6B
Other Non-Current Assets 10B
Current Liabilities 19.2B
Accounts Payable 929m
Accrued Liabilities 10.9B
Other Current Liabilities 7.4B
Non-Current Liabilities 22.4B
Long-Term Debt 17.5B
Other Non-Current Liabilities 4.9B
Efficiency

Free Cash Flow Analysis
Mastercard Inc

Last Value
3-Years Average
FCF Margin
Conversion Rate

Earnings Waterfall
Mastercard Inc

Revenue
28.2B USD
Operating Expenses
-11.9B USD
Operating Income
16.3B USD
Other Expenses
-3.4B USD
Net Income
12.9B USD
Fundamental Scores

MA Profitability Score
Profitability Due Diligence

Mastercard Inc's profitability score is 82/100. The higher the profitability score, the more profitable the company is.

Exceptional 3-Year Average ROE
Positive Free Cash Flow
Exceptional 3-Year Average ROIC
Positive Operating Income
82/100
Profitability
Score

Mastercard Inc's profitability score is 82/100. The higher the profitability score, the more profitable the company is.

MA Solvency Score
Solvency Due Diligence

Mastercard Inc's solvency score is 56/100. The higher the solvency score, the more solvent the company is.

High Altman Z-Score
Long-Term Solvency
Short-Term Solvency
Positive Net Debt
56/100
Solvency
Score

Mastercard Inc's solvency score is 56/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

MA Price Targets Summary
Mastercard Inc

Wall Street analysts forecast MA stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for MA is 625.27 USD with a low forecast of 470.76 USD and a high forecast of 708.75 USD.

Lowest
Price Target
470.76 USD
12% Downside
Average
Price Target
625.27 USD
17% Upside
Highest
Price Target
708.75 USD
33% Upside
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Dividends

Dividend Yield
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N/A
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Shareholder Yield

Current shareholder yield for MA is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
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Ownership

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What is the Intrinsic Value of one MA stock?

The intrinsic value of one MA stock under the Base Case scenario is 347.12 USD.

Is MA stock undervalued or overvalued?

Compared to the current market price of 533.48 USD, Mastercard Inc is Overvalued by 35%.

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