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Mastercard Incorporated MA

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670.41 USD +23.23 (+3.59%)

Nov 4, 2026, 2:21 PM EST

655.00 Day range 673.50
471.55 52-week range 670.67
YTD
+17.43%
1 year
+21.29%

Financial health

Altman Z-Score

10.79 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 1
  • P/E 1
  • P/B 1

Valuation

P/E 34.5×
FY 2016: 27.9×FY 2017: 41.2×FY 2018: 33.5×FY 2019: 37.4×FY 2020: 55.8×FY 2021: 40.9×FY 2022: 33.9×FY 2023: 36.0×FY 2024: 37.8×FY 2025: 34.5×
FY 2016 5y median 36.0× FY 2025
P/S 15.6×
FY 2016: 10.5×FY 2017: 12.9×FY 2018: 13.1×FY 2019: 18.0×FY 2020: 23.4×FY 2021: 18.8×FY 2022: 15.1×FY 2023: 16.0×FY 2024: 17.3×FY 2025: 15.6×
FY 2016 5y median 16.0× FY 2025
P/B 66.2×
FY 2016: 20.0×FY 2017: 29.5×FY 2018: 36.4×FY 2019: 51.5×FY 2020: 56.0×FY 2021: 48.6×FY 2022: 53.4×FY 2023: 58.1×FY 2024: 75.1×FY 2025: 66.2×
FY 2016 5y median 58.1× FY 2025
P/FCF 31.2×
FY 2016: 27.6×FY 2017: 31.5×FY 2018: 34.3×FY 2019: 40.7×FY 2020: 54.9×FY 2021: 41.0×FY 2022: 31.3×FY 2023: 34.7×FY 2024: 34.0×FY 2025: 31.2×
FY 2016 5y median 34.0× FY 2025
EV/EBITDA 25.3×
FY 2016: 18.3×FY 2017: 22.6×FY 2018: 25.0×FY 2019: 29.1×FY 2020: 41.3×FY 2021: 31.5×FY 2022: 26.5×FY 2023: 27.3×FY 2024: 29.6×FY 2025: 25.3×
FY 2016 5y median 27.3× FY 2025
EV/Sales 15.9×
FY 2016: 10.4×FY 2017: 12.9×FY 2018: 13.1×FY 2019: 18.1×FY 2020: 23.5×FY 2021: 19.1×FY 2022: 15.5×FY 2023: 16.3×FY 2024: 17.6×FY 2025: 15.9×
FY 2016 5y median 16.3× FY 2025
FCF Yield 3.2%
FY 2016: 3.6%FY 2017: 3.2%FY 2018: 2.9%FY 2019: 2.5%FY 2020: 1.8%FY 2021: 2.4%FY 2022: 3.2%FY 2023: 2.9%FY 2024: 2.9%FY 2025: 3.2%
FY 2016 5y median 2.9% FY 2025

Profitability

Gross Margin 100.0%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 100.0%
FY 2016 5y median 100.0% FY 2025
Operating Margin 57.6%
FY 2016: 53.5%FY 2017: 53.0%FY 2018: 48.7%FY 2019: 57.2%FY 2020: 52.8%FY 2021: 53.4%FY 2022: 57.2%FY 2023: 58.3%FY 2024: 58.0%FY 2025: 57.6%
FY 2016 5y median 57.6% FY 2025
Net Margin 45.6%
FY 2016: 37.7%FY 2017: 31.3%FY 2018: 39.2%FY 2019: 48.1%FY 2020: 41.9%FY 2021: 46.0%FY 2022: 44.7%FY 2023: 44.6%FY 2024: 45.7%FY 2025: 45.6%
FY 2016 5y median 45.6% FY 2025
ROE 193.5%
FY 2016: 71.8%FY 2017: 71.6%FY 2018: 108.6%FY 2019: 137.8%FY 2020: 100.3%FY 2021: 118.8%FY 2022: 157.7%FY 2023: 161.6%FY 2024: 198.5%FY 2025: 193.5%
FY 2016 5y median 161.6% FY 2025
ROIC 47.4%
FY 2016: 36.1%FY 2017: 31.7%FY 2018: 43.0%FY 2019: 46.5%FY 2020: 29.8%FY 2021: 33.6%FY 2022: 43.4%FY 2023: 43.6%FY 2024: 46.5%FY 2025: 47.4%
FY 2016 5y median 43.6% FY 2025
ROA 27.6%
FY 2016: 21.7%FY 2017: 18.4%FY 2018: 23.6%FY 2019: 27.8%FY 2020: 19.1%FY 2021: 23.1%FY 2022: 25.6%FY 2023: 26.4%FY 2024: 26.8%FY 2025: 27.6%
FY 2016 5y median 26.4% FY 2025

Growth (YoY)

Revenue 16.4%
FY 2016: 11.5%FY 2017: 16.0%FY 2018: 19.6%FY 2019: 12.9%FY 2020: -9.4%FY 2021: 23.4%FY 2022: 17.8%FY 2023: 12.9%FY 2024: 12.2%FY 2025: 16.4%
FY 2016 FY 2025
Operating Income 15.7%
FY 2016: 13.5%FY 2017: 14.9%FY 2018: 10.0%FY 2019: 32.7%FY 2020: -16.4%FY 2021: 24.8%FY 2022: 26.2%FY 2023: 15.0%FY 2024: 11.6%FY 2025: 15.7%
FY 2016 FY 2025
EPS (diluted) 18.9%
FY 2016: 10.1%FY 2017: -1.1%FY 2018: 53.4%FY 2019: 41.8%FY 2020: -19.8%FY 2021: 37.5%FY 2022: 16.8%FY 2023: 15.6%FY 2024: 17.4%FY 2025: 18.9%
FY 2016 FY 2025
Free Cash Flow 14.9%
FY 2016: 10.8%FY 2017: 25.1%FY 2018: 11.4%FY 2019: 30.4%FY 2020: -12.6%FY 2021: 32.7%FY 2022: 24.3%FY 2023: 8.0%FY 2024: 23.2%FY 2025: 14.9%
FY 2016 FY 2025

Financial Health

Current Ratio 1.0×
FY 2016: 1.8×FY 2017: 1.6×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 1.6×FY 2021: 1.3×FY 2022: 1.2×FY 2023: 1.2×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.2× FY 2025
Quick Ratio 1.0×
FY 2016: 1.8×FY 2017: 1.6×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 1.6×FY 2021: 1.3×FY 2022: 1.2×FY 2023: 1.2×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.2× FY 2025
Debt / Equity 2.5×
FY 2016: 0.9×FY 2017: 1.0×FY 2018: 1.2×FY 2019: 1.4×FY 2020: 2.0×FY 2021: 1.9×FY 2022: 2.2×FY 2023: 2.3×FY 2024: 2.8×FY 2025: 2.5×
FY 2016 5y median 2.3× FY 2025
Net Debt / EBITDA 0.4×
FY 2016: -0.3×FY 2017: -0.1×FY 2018: -0.0×FY 2019: 0.1×FY 2020: 0.3×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
Interest Coverage 26.2×
FY 2016: 60.6×FY 2017: 43.0×FY 2018: 39.2×FY 2019: 43.1×FY 2020: 21.3×FY 2021: 23.4×FY 2022: 27.0×FY 2023: 25.4×FY 2024: 25.3×FY 2025: 26.2×
FY 2016 5y median 25.4× FY 2025

Dividends

Dividend Yield 0.5%
FY 2016: 0.7%FY 2017: 0.6%FY 2018: 0.5%FY 2019: 0.4%FY 2020: 0.4%FY 2021: 0.5%FY 2022: 0.6%FY 2023: 0.5%FY 2024: 0.5%FY 2025: 0.5%
FY 2016 5y median 0.5% FY 2025
Payout Ratio 18.4%
FY 2016: 20.6%FY 2017: 24.1%FY 2018: 17.8%FY 2019: 16.6%FY 2020: 25.0%FY 2021: 20.0%FY 2022: 19.2%FY 2023: 19.3%FY 2024: 19.0%FY 2025: 18.4%
FY 2016 5y median 19.2% FY 2025

Annual · latest fiscal year ends 2025-12-31