Stocks · Financial Services · Financial - Credit Services
Mastercard Incorporated MA
$552.26 +0.41% Close, Oct 2, 2026 · NYSE · Market cap $484.35B
High quality
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +6.0%).
- The shares trade at 30.4× trailing earnings, lower than 95% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 59 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth49Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 27%
- EPS growth (TTM, YoY)Top 47%
- FCF growth (TTM, YoY)Bottom 33%
- Revenue growth, 3-year CAGRBottom 47%
- Revenue growth accelerationBottom 46%
Quality98Exceptional
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 2%
- Gross marginTop 1%
- Operating marginTop 5%
- Cash conversion (OCF / net income)Bottom 43%
- Accruals (lower is better)Top 26%
- Net debt / EBITDA (lower is better)Top 42%
- Interest coverTop 5%
Value37Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 33%
- Free-cash-flow yieldBottom 31%
- EBITDA / enterprise valueBottom 38%
- Sales / enterprise valueBottom 6%
- P/E vs own 5-year history (lower is better)Top 8%
Momentum42Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 34%
- 6-month returnTop 35%
- 1-year return vs S&P 500Bottom 29%
- Distance from 52-week highTop 40%
- Trend checklist (0–4)Top 48%
Revisions95Exceptional
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 44%
- Consecutive EPS beatsTop 2%
- Share of analysts rating BuyTop 12%
- Upside to consensus price targetTop 35%
Stability61Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 44%
- Maximum drawdown, 3 yearsTop 28%
- Beta vs S&P 500 (lower is better)Bottom 40%
- Net debt / EBITDA (lower is better)Top 42%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 16.8% | 16.0% | ↓ |
| EPS growth (YoY) | 21.2% | 22.6% | ↑ |
| Gross margin | 100.0% | 100.0% | → |
| Operating margin | 57.7% | 59.8% | ↑ |
| FCF margin | 53.7% | 46.9% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 16.0% | 16.8% | ↓ | Top 27% |
| EPS growth (TTM, YoY) | 22.6% | 21.2% | ↑ | Top 47% |
| Gross margin | 100.0% | 100.0% | → | Top 1% |
| Operating margin | 59.8% | 57.7% | ↑ | Top 5% |
| Net margin | 46.3% | 44.9% | ↑ | — |
| Free-cash-flow margin | 46.9% | 53.7% | ↓ | — |
| Return on invested capital | 48.1% | — | Top 2% | |
| Revenue growth, 3-year CAGR | 13.8% | — | Bottom 47% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.07×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.9%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +4.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.60×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 28.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.60%
- Net buyback yield (TTM)
- 1.55%
- Shareholder yield
- 2.15%
- Share count change, 1 year
- -2.9%
- Share count change, 3-year CAGR
- -2.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +6.0%
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $666.67
- Target vs current price
- +20.7%
- Analysts with a rating
- 65
- Share rating Buy or Strong Buy
- 80%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | +5.7% | +2.5% | +1.3% | +6.2% | — |
| Apr 30, 2026 | +4.5% | -4.2% | -6.3% | -6.0% | +5.0% |
| Jan 29, 2026 | +12.3% | +4.3% | +6.2% | -1.3% | -3.3% |
| Oct 30, 2025 | +1.4% | -0.2% | -0.2% | -1.7% | -6.2% |
| Jul 31, 2025 | +3.0% | +1.3% | +1.8% | +5.6% | +2.6% |
| May 1, 2025 | +4.2% | -0.3% | +3.3% | +5.4% | +3.7% |
| Jan 30, 2025 | +3.0% | +3.1% | +3.2% | +2.9% | -2.8% |
| Oct 31, 2024 | +4.0% | -2.7% | +1.4% | +3.6% | +6.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $5.04 | $4.77 | +5.7% | $9.28B |
| Apr 30, 2026 | $4.60 | $4.40 | +4.5% | $9.28B |
| Jan 29, 2026 | $4.76 | $4.24 | +12.3% | $8.81B |
| Oct 30, 2025 | $4.38 | $4.32 | +1.4% | $8.60B |
| Jul 31, 2025 | $4.15 | $4.03 | +3.0% | $8.13B |
| May 1, 2025 | $3.73 | $3.58 | +4.2% | $7.25B |
| Jan 30, 2025 | $3.82 | $3.71 | +3.0% | $7.49B |
| Oct 31, 2024 | $3.89 | $3.74 | +4.0% | $7.37B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 30.4× | 37.0× | 5th | Bottom 33% |
| P/E (forward) | 27.7× | — | — | — |
| EV / EBITDA | 22.5× | — | — | Bottom 38% |
| EV / Sales | 14.19× | — | — | Bottom 6% |
| Free-cash-flow yield | 3.40% | — | — | Bottom 31% |
| Earnings yield | 3.29% | — | — | Bottom 33% |
P/E over the past five years
Range 29.1× – 54.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -3.7%
- Earnings per share growth (TTM)
- +22.6%
- Change in P/E multiple
- -16.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 59
- 50-day average slope (20 days)
- +2.7%
- 200-day average slope (20 days)
- +0.4%
- Distance from 50-day average
- -3.2%
- Distance from 200-day average
- +3.8%
- RSI (14)
- 38.9
- Relative volume
- 0.89×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.6%
- Volatility vs own 5-year history
- 46th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.79
- Correlation with S&P 500
- 0.57
- Current drawdown from 1-year high
- -7.9%
- Maximum drawdown, 3 years
- -21.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 2, 2022 | Oct 12, 2022 | -28.6% | 174 days | 185 days (Jul 11, 2023) |
| Apr 28, 2021 | Dec 1, 2021 | -22.6% | 151 days | 43 days (Feb 2, 2022) |
| Aug 22, 2025 | Jun 3, 2026 | -21.3% | 195 days | 56 days (Aug 24, 2026) |
| Oct 9, 2020 | Oct 30, 2020 | -18.1% | 15 days | 41 days (Dec 30, 2020) |
| Feb 28, 2025 | Apr 8, 2025 | -16.7% | 27 days | 23 days (May 12, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $484.35B
- P/E (TTM)
- 30.4
- EPS, diluted (TTM)
- $18.18
- Revenue (TTM)
- $35.08B
- Dividend yield
- 0.77%
- 52-week range
- $464.52 – $601.23
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $18.88B | $22.24B | $25.10B | $28.17B | $32.79B |
| Gross profit | $18.88B | $22.24B | $25.10B | $28.17B | $32.79B |
| Operating income | $10.08B | $12.72B | $14.63B | $16.33B | $19.51B |
| Net income | $8.69B | $9.93B | $11.20B | $12.87B | $14.97B |
| EPS (diluted) | $8.76 | $10.23 | $11.83 | $13.89 | $16.52 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $7.37B | $7.49B | $7.25B | $8.13B | $8.60B | $8.81B | $8.40B | $9.28B |
| Net income | $3.26B | $3.34B | $3.28B | $3.70B | $3.93B | $4.06B | $3.88B | $4.39B |
| EPS (diluted) | $3.53 | $3.64 | $3.59 | $4.07 | $4.34 | $4.52 | $4.35 | $4.97 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $9.46B | $11.20B | $11.98B | $14.78B | $17.40B |
| Capital expenditure | -$814.0M | -$1.10B | -$371.0M | -$474.0M | -$489.0M |
| Free cash flow | $8.65B | $10.10B | $11.61B | $14.31B | $16.91B |
| Dividends paid | -$1.74B | -$1.90B | -$2.16B | -$2.45B | -$2.76B |
| Net share buybacks | -$5.90B | -$8.75B | -$9.03B | -$11.04B | -$11.52B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $11.61B
- Total assets
- $57.69B
- Total liabilities
- $52.09B
- Total debt
- $24.64B
- Net debt
- $13.35B
- Shareholders’ equity
- $5.61B
As of Jun 30, 2026 (filed Jul 30, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 9, 2026 | $0.87 | Nov 9, 2026 |
| Jul 9, 2026 | $0.87 | Aug 7, 2026 |
| Apr 9, 2026 | $0.87 | May 8, 2026 |
| Jan 9, 2026 | $0.87 | Feb 9, 2026 |
| Oct 9, 2025 | $0.76 | Nov 7, 2025 |
| Jul 9, 2025 | $0.76 | Aug 8, 2025 |
| Apr 9, 2025 | $0.76 | May 9, 2025 |
| Jan 10, 2025 | $0.76 | Feb 7, 2025 |
Short interest
- Shares sold short
- 7,201,181
- Days to cover
- 3.17
- Change vs previous report
- -5.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 22, 2014
- 10-for-1