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Mastercard Inc (MA)

Superavaliada
Financial ServicesCredit ServicesUnited States

Fundamental

79

Preço

$551.47

Capitalização de Mercado

$497.80B

Parte 1 · Quanto vale a empresa

Visão Geral

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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No competitor list for this company yet.

Balanço & Liquidez

Receita

$35.08B

Últimos 12 meses (até 30/06/2026)

Resultado Líquido

$16.26B

Últimos 12 meses (até 30/06/2026)

Fluxo de Caixa Livre

$17.16B

Capital Próprio Total

$7.74B

Passivo Total

$46.41B

Rácio de Liquidez

1.06

Cobertura de Juros

27.36

Dívida/EBITDA

1.23

Resultados Por Ação

Receita & Resultado Líquido

Fluxo de Caixa Livre

Decomposição dos Resultados

Demonstração histórica

Margens ao longo do tempo

A dívida ao longo do tempo

Quanto pesa a dívida

Grelha do crescimento

Crescimento — Receitas

Estimativa de Valor Justo

BancoSobrevalorizada

Valor Justo

$450.97

Preço Atual

$551.47

Margem de Segurança

-22.3%

Intervalo de Valor Justo

$293.13 - $608.81

Dispersão entre os métodos de avaliação utilizados, não um intervalo de confiança calibrado estatisticamente.

Métodos de Estimativa

Preço-alvo dos analistas:$666.71
Fluxo de caixa descontado (DCF):Não aplicável a este tipo de empresa
Multiplicador de lucros (P/E):$455.39
Fórmula de crescimento de Graham:Não aplicável a este tipo de empresa
Valor da capacidade de gerar lucro (EPV):Não aplicável a este tipo de empresa
P/B justificado:$399.50
Desconto de dividendos (Gordon):$64.06
P/FFO, fundos de operações:Não aplicável a este tipo de empresa
Lucros de meio de ciclo:Não aplicável a este tipo de empresa
Multiplicador sobre as receitas:Não aplicável a este tipo de empresa
Consenso dos Analistas:Compra Forte (49B / 5H / 0S)
Última Surpresa de Resultados:+2.68%

Métricas de Avaliação

Rácio P/E

30.33

ROE

193.5%

Rácio P/B

12.04

P/FCF

4.05

Margem Bruta

-

ROIC

49.5%

Radar de Rentabilidade

Criação de Valor (Vantagem Competitiva)

ROIC

49.5%

WACC

8.6%

ROIC − WACC

+40.8 pp

O ROIC supera o custo do capital — a empresa está a criar valor para os acionistas.

Critérios de Análise Fundamental

Aprovado (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

Reprovado (5)

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

Indisponível (2)

  • Gross Margin NaN%
  • Dividend Payout NaN%

Piotroski F-Score

8/9

Saúde financeira sólida

score
criteria

Qualidade dos Resultados

1.07

Alta qualidade: resultados respaldados por caixa

Diluição de Ações

-2.2%

A recomprar ações. Favorável ao acionista

Participações institucionais

Governação

Equipa Executiva

NomeCargoIdade
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-

Risco de Auditoria

4

Risco do Conselho

2

Risco de Remuneração

5

Risco dos Direitos dos Acionistas

3

Parte 2 · O preço e o momento de entrar

Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.

Documentos

  • Relatório anual (10-K)

    Uma visão anual do negócio, dos resultados financeiros e dos riscos da empresa.

    Arquivado em 2026-02-11

    Ver documento
  • Relatório trimestral (10-Q)

    Uma atualização sobre o desempenho financeiro dos últimos três meses.

    Arquivado em 2026-07-30

    Ver documento
  • Relatório de fato relevante (8-K)

    Um aviso sobre um fato relevante, como uma mudança na liderança ou um grande anúncio.

    Arquivado em 2026-07-30

    Ver documento

via SEC EDGAR

Histórico de Resultados

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