MasterCard
US.MA
579.21
-6.50
-1.11%
MasterCard
579.21
-6.50
-1.11%
Collector offline (last heartbeat: 19117s ago)
· 2026-09-04 20:02
Pre-market
582.98
-0.47%
After-hours
579.21
0.00%
Overnight
586.26
+0.09%
Revenue annual, last 8 years
Latest year +16.42% YoY
Margins
- Gross margin
- 77.89%
- Operating margin
- 59.51%
- Net margin
- 45.65%
Key ratios & quality
- Enterprise value
- 515.50B
- PEG ratio
- 2.17
- Altman Z-Score
- 10.57
PEG uses trailing P/E against the 3-year net income growth rate (14.66%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 10.57, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 14.95B | 16.88B | 15.30B | 18.88B | 22.24B | 25.10B | 28.17B | 32.79B |
| Gross profit | 11.74B | 13.35B | 11.51B | 14.40B | 16.97B | 19.08B | 21.49B | 25.54B |
| Selling & admin expenses | 2.90B | 3.13B | 2.77B | 3.44B | 3.50B | 3.65B | 4.27B | 4.88B |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 8.37B | 9.70B | 8.16B | 10.23B | 12.72B | 14.63B | 16.33B | 19.51B |
| Pretax profit | 7.20B | 9.73B | 7.76B | 10.31B | 11.73B | 13.64B | 15.25B | 18.58B |
| Tax | 1.35B | 1.61B | 1.35B | 1.62B | 1.80B | 2.44B | 2.38B | 3.61B |
| Net profit | 5.86B | 8.12B | 6.41B | 8.69B | 9.93B | 11.20B | 12.87B | 14.97B |
| Basic EPS | 6 | 8 | 6 | 9 | 10 | 12 | 14 | 17 |
| Diluted EPS | 5.60 | 7.94 | 6.37 | 8.76 | 10.22 | 11.83 | 13.89 | 16.52 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 7.25B | 8.13B | 8.60B | 8.81B | 8.40B | 9.28B |
| Gross profit | 5.56B | 6.28B | 6.71B | 6.99B | 6.36B | 7.33B |
| Selling & admin expenses | 986.00M | 1.09B | 1.25B | 1.56B | 1.10B | 1.29B |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 4.30B | 4.91B | 5.17B | 5.13B | 4.97B | 5.73B |
| Pretax profit | 4.03B | 4.67B | 5.00B | 4.88B | 4.81B | 5.49B |
| Tax | 751.00M | 971.00M | 1.07B | 816.00M | 930.00M | 1.10B |
| Net profit | 3.28B | 3.70B | 3.93B | 4.06B | 3.88B | 4.39B |
| Basic EPS | 4 | 4 | 4 | 5 | 4 | 5 |
| Diluted EPS | 3.59 | 4.07 | 4.34 | 4.52 | 4.35 | 4.97 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 16.17B | 16.90B | 19.11B | 16.95B | 16.61B | 18.96B | 19.72B | 23.56B |
| Cash & ST investments | 8.38B | 7.68B | 10.60B | 7.89B | 7.41B | 9.18B | 8.77B | 10.90B |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 24.86B | 29.24B | 33.58B | 37.67B | 38.72B | 42.45B | 48.08B | 54.16B |
| Total current liabilities | 11.59B | 11.90B | 11.85B | 13.16B | 14.17B | 16.26B | 19.22B | 22.76B |
| Short-term debt | 500.00M | -- | 649.00M | 792.00M | 274.00M | 1.34B | 750.00M | 749.00M |
| Long-term debt | 5.83B | 8.53B | 12.02B | 13.11B | 13.75B | 14.34B | 17.48B | 18.25B |
| Total liabilities | 19,371,000,000.00 | 23,245,000,000.00 | 27,067,000,000.00 | 30,257,000,000.00 | 32,347,000,000.00 | 35,451,000,000.00 | 41,566,000,000.00 | 46,411,000,000.00 |
| Total equity | 5.49B | 5.99B | 6.52B | 7.41B | 6.38B | 7.00B | 6.52B | 7.75B |
| Retained earnings | 27.28B | 33.98B | 38.75B | 45.65B | 53.61B | 62.56B | 72.91B | 85.04B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 19.80B | 22.14B | 23.22B | 23.56B | 22.50B | 26.52B |
| Cash & ST investments | 7.89B | 9.37B | 10.65B | 10.90B | 8.22B | 11.61B |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 48.47B | 51.43B | 53.29B | 54.16B | 52.45B | 57.69B |
| Total current liabilities | 17.83B | 19.03B | 20.69B | 22.76B | 22.93B | 25.00B |
| Short-term debt | -- | -- | -- | 749.00M | 1.75B | 2.46B |
| Long-term debt | 18.80B | 18.97B | 18.98B | 18.25B | 17.21B | 22.18B |
| Total liabilities | 41,774,000,000.00 | 43,557,000,000.00 | 45,370,000,000.00 | 46,411,000,000.00 | 45,727,000,000.00 | 52,085,000,000.00 |
| Total equity | 6.70B | 7.87B | 7.92B | 7.75B | 6.72B | 5.61B |
| Retained earnings | 75.50B | 78.51B | 81.75B | 85.04B | 88.15B | 91.77B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 6.22B | 8.18B | 7.22B | 9.46B | 11.20B | 11.98B | 14.78B | 17.65B |
| Depreciation & amortization | 459.00M | 522.00M | 580.00M | 726.00M | 750.00M | 799.00M | 897.00M | 1.14B |
| Free cash flow | 5.72B | 7.46B | 6.52B | 8.65B | 10.10B | 10.89B | 13.59B | 16.43B |
| Dividends paid | -1.04B | -1.35B | -1.61B | -1.74B | -1.90B | -2.16B | -2.45B | -2.76B |
| Stock buybacks / issuance | -4.93B | -6.50B | -4.47B | -5.90B | -8.75B | -9.03B | -10.95B | -11.73B |
| Ending cash balance | 8.34B | 8.97B | 12.42B | 9.90B | 9.20B | 10.47B | 10.81B | 13.25B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 2.38B | 4.60B | 5.66B | 5.00B | 3.00B | 3.77B |
| Depreciation & amortization | 275.00M | 281.00M | 290.00M | 297.00M | 299.00M | 309.00M |
| Free cash flow | 2.02B | 4.39B | 5.30B | 4.71B | 2.66B | 3.30B |
| Dividends paid | -694.00M | -691.00M | -687.00M | -684.00M | -777.00M | -771.00M |
| Stock buybacks / issuance | -2.55B | -2.29B | -3.33B | -3.56B | -4.04B | -4.90B |
| Ending cash balance | 9.98B | 11.57B | 12.85B | 13.25B | 10.76B | 13.98B |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE % | 107.87 | 143.83 | 104.38 | 126.79 | 145.92 | 169.28 | 191.95 | 210.49 |
| ROA % | 25.37 | 30.01 | 20.41 | 24.38 | 26.00 | 27.58 | 28.44 | 29.28 |
| ROIC % | 51.99 | 64.76 | 39.41 | 44.94 | 49.74 | 54.35 | 56.72 | 60.45 |
| 5-year avg ROE % | 71.57 | 90.20 | 99.19 | 110.65 | 125.76 | 138.04 | 147.66 | 168.89 |
| EBIT margin % | 49.43 | 58.96 | 53.20 | 56.86 | 54.88 | 56.63 | 56.45 | 58.86 |
| FCF / sales % | 38.25 | 44.16 | 42.59 | 45.80 | 45.41 | 43.40 | 48.23 | 50.11 |
| Current ratio | 1.39 | 1.42 | 1.61 | 1.29 | 1.17 | 1.17 | 1.03 | 1.03 |
| Quick ratio | 1.13 | 1.11 | 1.26 | 0.83 | 0.76 | 0.81 | 0.65 | 0.68 |
| Debt / assets | 117.41 | 144.70 | 198.28 | 190.11 | 222.66 | 226.31 | 281.05 | 245.57 |
| LT debt / equity | 108.14 | 144.70 | 188.12 | 179.28 | 218.31 | 207.01 | 269.48 | 235.89 |
| Interest coverage | 39.73 | 44.44 | 21.42 | 24.91 | 25.91 | 24.72 | 24.61 | 26.73 |
| Revenue CAGR (3Y) % | 15.64 | 16.14 | 6.98 | 8.10 | 9.62 | 17.93 | 14.26 | 13.82 |
| Net income CAGR (3Y) % | 15.45 | 25.99 | 17.87 | 14.03 | 6.95 | 20.42 | 14.01 | 14.66 |
| FCF CAGR (3Y) % | 15.01 | 20.55 | 7.53 | 14.78 | 10.64 | 18.68 | 16.25 | 17.62 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE % | 188.92 | 177.90 | 185.74 | 210.49 | 232.56 | 241.49 |
| ROA % | 28.86 | 28.98 | 28.35 | 29.28 | 30.86 | 29.80 |
| ROIC % | 59.27 | 58.16 | 57.21 | 60.45 | 61.07 | 56.64 |
| 5-year avg ROE % | -- | -- | -- | -- | -- | -- |
| EBIT margin % | 56.43 | 56.81 | 58.27 | 58.86 | 59.18 | 59.63 |
| FCF / sales % | 49.24 | 52.47 | 51.80 | 50.11 | 50.31 | 45.53 |
| Current ratio | 1.11 | 1.16 | 1.12 | 1.03 | 0.98 | 1.06 |
| Quick ratio | 0.67 | 0.71 | 0.72 | 0.68 | 0.56 | 0.67 |
| Debt / assets | 281.85 | 241.56 | 240.17 | 245.57 | 282.18 | 439.19 |
| LT debt / equity | 281.85 | 241.56 | 240.17 | 235.89 | 256.17 | 395.37 |
| Interest coverage | 24.20 | 23.86 | 24.55 | 26.73 | 27.70 | 27.97 |
| Revenue CAGR (3Y) % | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) % | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) % | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Payment Solutions100.00%
Quote time 2026-09-04 20:02:23
For reference only, not investment advice.