MA$561.23
$561.22
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AI MA Summary
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Powered by LiveAIOverall Analysis
Strong BuyMastercard exhibits strong fundamentals driven by robust growth and profitability, supported by positive thematic tailwinds in digital payments. While technical indicators suggest a neutral-to-slightly-bearish short-term outlook, the long-term investment case remains compelling.
Thematic
Mastercard is exceptionally well-positioned to benefit from the secular shift towards digital and cashless transactions globally, along with the increasing adoption of cross-border payments and value-added services.
Fundamental
Mastercard demonstrates exceptional profitability, strong revenue growth, and a robust balance sheet. Its valuation is on the higher side, reflecting its market leadership and consistent performance.
Technical
Mastercard's stock shows mixed technical signals. While the long-term trend remains positive, recent indicators suggest potential short-term consolidation or a minor pullback.
| Factor | Score |
|---|---|
| Digital Payments Growth | 95 |
| Cross-Border Transactions | 85 |
| Value-Added Services | 80 |
| Open Banking & Fintech Integration | 75 |
| Regulatory Environment | 80 |
| Factor | Score |
|---|---|
| Valuation | 60 |
| Profitability | 95 |
| Growth | 80 |
| Balance Sheet Health | 85 |
| Cash Flow | 90 |
| Dividend Yield | 50 |
| Factor | Score |
|---|---|
| Trend Analysis | 70 |
| Momentum | 60 |
| Volume Confirmation | 70 |
| Support & Resistance | 50 |
| Short-term Trend | 45 |
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Powered by LiveAIBullish Points (7)
Consistent EPS Beat
Mastercard has consistently beaten EPS estimates for the past several quarters (e.g., Q2 2024: 3.31 reported vs. 3.24 estimate, Q3 2024: 3.59 vs. 3.51). This trend indicates operational strength and effective management in delivering profits.
Attractive P/E Ratio for Growth
With a P/E ratio of 39.46, Mastercard's valuation, while seemingly high, is justified by its strong earnings growth potential. The EPS TTM of 14.28 supports this, suggesting that investors are willing to pay a premium for its consistent profitability.
Bearish Points (7)
High P/E Ratio in Specific Timeframes
While the TTM P/E is 39.46, the quarterly P/E ratios (e.g., Q1 2025 at 150.2, Q2 2024 at 155.9) appear significantly elevated. This could indicate overvaluation in shorter-term earnings perspectives, posing a risk if growth falters.
Slowing Revenue Growth in Recent Quarters
Although overall revenue has grown, the quarterly revenue figures show some fluctuations (e.g., Q1 2025 at $7.25B, Q4 2024 at $7.489B). A closer look at year-over-year percentage growth might reveal a deceleration compared to historical trends.
Calendar
July 2025
9
Ex-Dividend Date
July 2025
31
Next Earnings Date
H: $4.10
A: $4.02
L: $3.89
H: 8.08B
A: 7.98B
L: 7.91B
August 2025
8
Next Dividend Date
Profile
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. The company offers integrated products and value-added 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 a physical card 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 to help governments and nonprofits, as well as enables various cross-border payment flows. Further, it provides security solutions; personalization, issuer and merchant loyalty, and marketing services; advanced analytics, business intelligence, economic and location-based insights, payments consulting, and operational insights services; processing and gateway solutions; and open banking services. 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.
Seasonals
Price Target
626.23 USD
The 39 analysts offering 1 year price forecasts for MA have a max estimate of 690.00 and a min estimate of 500.00.
Debt Level and Coverage
Financial Position Analysis
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