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Mastercard Inc (MA)

Überbewertet
Financial ServicesCredit ServicesUnited States

Fundamental

79

Kurs

$551.47

Marktkapitalisierung

$497.80B

Teil 1 · Was das Unternehmen wert ist

Übersicht

Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. The company offers products and services for account holders, merchants, financial institutions, digital partners, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid programs services; consumer bill payment services; and commercial credit, debit, and prepaid payment products and solutions. It also provides solutions that enable businesses or governments to make payments to businesses, including Virtual Card Number, which is generated dynamically from an existing account and leverages the credit limit of the funding account; and a platform to optimize supplier payment enablement campaigns for financial institutions. In addition, the company offers Mastercard Move, which partners with digital messaging and payment platforms to enable consumers to send money directly within applications to other consumers; and partners with central banks, fintechs, and financial institutions, as well as enables various cross-border payment flows. Further, it provides security solutions; marketing, personalization, and issuer and merchant loyalty services; business and operational intelligence, advanced analytics and AI, consulting and agentic solutions, and payments and portfolio optimization; digital and authentication; processing and gateway solutions; and other solutions. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus names. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.

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Direct competitors

Who this company fights with for the same customers

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Bilanz & Liquidität

Umsatz

$35.08B

Letzte 12 Monate (bis 30.6.2026)

Nettogewinn

$16.26B

Letzte 12 Monate (bis 30.6.2026)

Freier Cashflow

$17.16B

Gesamtes Eigenkapital

$7.74B

Gesamtverbindlichkeiten

$46.41B

Current Ratio

1.06

Zinsdeckungsgrad

27.36

Schulden/EBITDA

1.23

Gewinn je Aktie

Umsatz & Nettogewinn

Freier Cashflow

Ertragsaufschlüsselung

Historische Aufstellung

Margen im Zeitverlauf

Verschuldung im Zeitverlauf

Wie schwer die Schulden wiegen

Wachstumsraster

Wachstum — Umsatz

Innerer-Wert-Schätzung

BankÜberbewertet

Innerer Wert

$450.97

Aktueller Kurs

$551.47

Sicherheitsmarge

-22.3%

Innerer-Wert-Spanne

$293.13 - $608.81

Streubreite zwischen den verwendeten Bewertungsmethoden, kein statistisch kalibriertes Konfidenzintervall.

Bewertungsmethoden

Kursziel der Analysten:$666.71
Diskontierter Cashflow (DCF):Nicht anwendbar für diesen Unternehmenstyp
Gewinnmultiplikator (P/E):$455.39
Graham-Wachstumsformel:Nicht anwendbar für diesen Unternehmenstyp
Ertragskraftwert (EPV):Nicht anwendbar für diesen Unternehmenstyp
Gerechtfertigtes P/B:$399.50
Dividendendiskontierung (Gordon):$64.06
P/FFO, Funds from Operations:Nicht anwendbar für diesen Unternehmenstyp
Gewinn im Zyklusmittel:Nicht anwendbar für diesen Unternehmenstyp
Umsatzmultiplikator:Nicht anwendbar für diesen Unternehmenstyp
Analystenkonsens:Starker Kauf (49B / 5H / 0S)
Letzte Gewinnüberraschung:+2.68%

Bewertungskennzahlen

P/E-Verhältnis

30.33

ROE

193.5%

P/B-Verhältnis

12.04

P/FCF

4.05

Bruttomarge

-

ROIC

49.5%

Rentabilitäts-Radar

Wertschöpfung (Wettbewerbsvorteil)

ROIC

49.5%

WACC

8.6%

ROIC − WACC

+40.8 pp

Der ROIC übersteigt die Kapitalkosten: Das Unternehmen schafft Wert für die Aktionäre.

Fundamentalanalyse-Kriterien

Bestanden (21)

  • EPS shows upward trend
  • Price CAGR 18.62%
  • ROIC 49.5%
  • P/FCF 4.05
  • Operating Margin 58.3%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Interest Coverage
  • Debt/EBITDA
  • Return on Tangible Assets
  • DCF valuation (Undervalued)
  • ROE 232.5%
  • Revenue Growth 5Y 16.5%
  • Analyst Consensus 91% Buy
  • Earnings Surprise avg 2.8%
  • PEG Ratio 1.45
  • Earnings Quality (OCF/NI) 1.07
  • Share Dilution -2.2%
  • Net Margin Trend 46.3% vs 44.9%
  • Piotroski F-Score 8/9

Nicht bestanden (5)

  • EPS CAGR 4.14%
  • P/B Ratio 12.04
  • Debt/Equity ratio
  • Low reliance on intangibles
  • Price below Graham Number

Nicht verfügbar (2)

  • Gross Margin NaN%
  • Dividend Payout NaN%

Piotroski F-Score

8/9

Starke finanzielle Gesundheit

score
criteria

Gewinnqualität

1.07

Hohe Qualität: Gewinne durch Cashflow gedeckt

Aktienverwässerung

-2.2%

Aktienrückkäufe. Aktionärsfreundlich

Institutionelle Beteiligungen

Unternehmensführung

Führungsteam

NamePositionAlter
Mr. Michael MiebachCEO, President & Director57
Mr. Timothy Henry Murphy J.D.Vice Chair57
Mr. Edward Grunde McLaughlinPresident & CTO of Mastercard Technology59
Mr. Craig E. VosburgVice Chair58
Ms. Linda Pistecchia KirkpatrickChief Services Officer48
Mr. Sachin MehraChief Business Officer54
Mr. Ling HaiChief Financial Officer54
Mr. Chris MullettCorporate Controller & Principal Accounting Officer51
Mr. Richard R. Verma Ph.D.Chief Administrative Officer52
Mr. Devin CorrExecutive Vice President of Investor Relations-

Prüfungsrisiko

4

Vorstandsrisiko

2

Vergütungsrisiko

5

Aktionärsrechterisiko

3

Teil 2 · Der Preis und der Einstiegszeitpunkt

Dieser Teil sagt nicht, ob das Unternehmen etwas taugt: Er hilft bei der Wahl des Kaufzeitpunkts, nachdem die Fundamentaldaten überzeugt haben. Enthalten: technische Analyse, Potenzial, historische Drawdowns, Gamma-Exposure.

Dokumente

  • Jahresbericht (10-K)

    Ein jährlicher Überblick über das Geschäft, die Finanzergebnisse und die Risiken des Unternehmens.

    Eingereicht am 2026-02-11

    Dokument ansehen
  • Quartalsbericht (10-Q)

    Ein Update zur finanziellen Entwicklung der letzten drei Monate.

    Eingereicht am 2026-07-30

    Dokument ansehen
  • Ad-hoc-Meldung (8-K)

    Eine Mitteilung über ein wichtiges Ereignis, etwa einen Führungswechsel oder eine bedeutende Ankündigung.

    Eingereicht am 2026-07-30

    Dokument ansehen

via SEC EDGAR

Ertragshistorie

via SEC EDGAR

Latest News

Recent headlines for MA, sourced from Markets Gazette.

  • 8/7/2026NEUTRAL
    Can new technology break Mastercard and Visa's duopoly?

    Mastercard and Visa currently dominate the payment processing industry, generating substantial profits from transaction fees. However, emerging technologies and geopolitical shifts pose potential challenges to their long-standing duopoly. While the article highlights these risks, it does not present immediate data indicating a decline in their market position or profitability. Investors should monitor technological advancements and regulatory developments for potential future impacts on these payment giants.

  • 8/5/2026NEUTRAL
    Mastercard, Borderless test shared identity checks for stablecoin transfers

    Mastercard is collaborating with Borderless to integrate stablecoin transfers with its Crypto Credential framework, aiming to enhance trust in cross-border transactions. This pilot program seeks to leverage Mastercard's established payment infrastructure to provide more secure and reliable digital asset transfers. While the initiative highlights Mastercard's continued exploration of blockchain technology and its potential applications in payments, it is currently in a testing phase. The long-term impact on Mastercard's revenue and market position remains speculative until wider adoption and regulatory clarity emerge.

  • 8/4/2026POSITIVE
    Mastercard completes $1.8B BVNK acquisition in stablecoin push

    Mastercard has finalized its acquisition of BVNK for $1.8 billion, a strategic move aimed at bolstering its presence in the stablecoin payment ecosystem. The integration is designed to empower banks, fintech firms, and corporations to enhance their stablecoin-based payment, payout, settlement, and treasury operations. This acquisition signals Mastercard's commitment to expanding its digital currency services and adapting to evolving financial technologies, potentially opening new revenue streams and solidifying its position in the digital payments landscape.

  • 6/10/2026POSITIVE
    Mastercard Just Built A Payment Network For AI Agents — And It Runs On Crypto

    Mastercard has unveiled Agent Pay for AI, a novel protocol enabling AI agents to conduct peer-to-peer payments and micropayments. Crucially, the system stores human-granted permissions for AI agents on the Polygon blockchain, which operates on Ethereum. This development signifies a significant step towards integrating AI capabilities into financial infrastructure, potentially unlocking new revenue streams and use cases for digital transactions. For investors, this positions Mastercard at the forefront of innovation in the burgeoning AI economy, leveraging blockchain technology to create a secure and efficient payment network for autonomous agents.

  • 6/3/2026POSITIVE
    Mastercard Unveils Stablecoin Settlement Support Spanning 8 Blockchains, Including The XRP Ledger

    Mastercard is expanding its payment network to support regulated stablecoins across eight blockchains, including the XRP Ledger, Arbitrum, Base, Ethereum, and Polygon. This initiative aims to enable direct on-chain clearing of card transactions for issuers and acquirers, enhancing liquidity management with intraday, weekend, and holiday settlement cycles. The move signifies a significant step towards integrating digital assets into traditional payment infrastructure, potentially increasing transaction efficiency and reducing settlement times. While initially limited to parts of the US and Latin America, Mastercard plans global expansion and the addition of more stablecoins and networks through 2026, subject to regulatory approval.

  • 5/27/2026POSITIVE
    Mastercard secures New York BitLicense for crypto operations

    Mastercard has secured a New York BitLicense, granting it the legal authority to operate digital asset business activities within the state. This strategic move signifies the payments behemoth's deepening commitment to exploring and integrating blockchain technology for settlement systems. The license is a crucial step for Mastercard as it navigates the evolving landscape of digital finance, potentially unlocking new revenue streams and enhancing its service offerings in the cryptocurrency space. Investors may view this as a positive development, indicating proactive adaptation to emerging financial technologies.

via Markets Gazette