Mastercard Incorporated (MA) Stock Analysis | Financial Data & Charts

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

61.48%

Operating Income = $5.41B

Revenue = $8.81B

Pre-tax Profit Margini

55.37%

Income Before Tax = $4.88B

Revenue = $8.81B

Net Profit Margini

46.10%

Net Income = $4.06B

Revenue = $8.81B

Tax Metrics

Effective Tax Ratei

16.74%

Income Tax Expense = $0.82B

Income Before Tax = $4.88B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $18.58B

Financial Sector PPNR Metrics

PPNRi

$-3.55B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: N/A | non interest income: N/A | non interest expense: $3.39B

PPNR Margini

-40.32%

PPNR = $-3.55B

Revenue = $8.81B

PPNR / Avg Assetsi

-6.95%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $-3.55B | avg total assets: $51.12B

Cost Efficiency Metrics

Efficiency Ratioi

38.52%

Non-Interest Expense = $3.39B

Revenue = $8.81B

Cost-to-Incomei

38.52%

Operating Expenses = $3.39B

Revenue = $8.81B

Cost-to-Assetsi

6.64%

Operating Expenses = $3.39B

Avg Total Assets = $51.12B

Operating Leverage Metrics

Operating JAWSi

-61.13%

Revenue Growth = 17.59%

Expense Growth = 78.71%

Operating Margin Expansioni

8.90pp

Current Operating Margin = 61.48%

Prior Operating Margin = 52.58%

Earnings Quality Metrics

Earnings Qualityi

1.22x

Operating Cash Flow = $4.93B

Net Income = $4.06B

Accruals / Avg Assetsi

-1.71%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $4.06B | operating cash flow: $4.93B | avg total assets: $51.12B

Volatility Metrics

PPNR Volatilityi

0.34x

Core Revenue Volatilityi

0.10x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $32.79B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $7.96B | employee count: N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

$-7.37B

Tangible Assets (TA)i

$39.04B

TCE / TA Ratioi

-18.87%

🔴 Risk

TCE = $-7.37B

TA = $39.04B

Leverage

Equity / Assets (E/A)i

14.30%

Total Equity = $7.75B

Total Assets = $54.16B

Assets / Equity (A/E)i

6.99x

Total Assets = $54.16B

Total Equity = $7.75B

Capital Quality

(Goodwill + Intangibles) / Equityi

195.12%

🔴 Risk

GW+Intangibles = $15.11B

Total Equity = $7.75B

Liquidity

Liquidity Buffer (HQLA proxy)i

21.16%

✅ Healthy

Cash+ST Inv = $11.46B

Total Assets = $54.16B

Funding Structure

Wholesale Funding Ratio (Core)i

40.94%

⚠️ Warning

ST+LT Debt = $19.00B

Total Liabilities = $46.41B

Securities / Assetsi

0.61%

✅ Healthy

ST+LT Inv = $0.33B

Total Assets = $54.16B

Risk-Adjusted

ATCE / TAi

0.00%

TCE ATCE = N/A

TA = $39.04B

ATCE Scissor Spreadi

-1887 bps

✅ Healthy

TCE/TA = -1887.00%

ATCE/TA = N/A

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Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

1.17x

TTM Operating Cash Flow = $17.58B

TTM Net Income = $14.97B

Cash Flow ROA (CFROA)i

32.73%

TTM Operating Cash Flow = $17.58B

Average Total Assets = $53.72B

Liquidity / Solvency

Cash Flow Adequacyi

5.42x

TTM Operating Cash Flow = $17.58B

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = $3.25B

OCF / Short-Term Debti

23.47x

TTM Operating Cash Flow = $17.58B

Short-Term Debt = $0.75B

Sustainability / Stability

OCF Growth Rate (YoY)i

2.09%

Current Quarter OCF = $4.93B

Same Quarter Last Year OCF = $4.83B

OCF Volatility (CV)i

0.35x

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profitability Margins

Operating Income Margini

61.48%

Operating Income = $5.41B

Revenue = $8.81B

Pre-tax Profit Margini

55.37%

Income Before Tax = $4.88B

Revenue = $8.81B

Net Profit Margini

46.10%

Net Income = $4.06B

Revenue = $8.81B

Tax Metrics

Effective Tax Ratei

16.74%

Income Tax Expense = $0.82B

Income Before Tax = $4.88B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $18.58B

Financial Sector PPNR Metrics

PPNRi

$-3.55B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: N/A | non interest income: N/A | non interest expense: $3.39B

PPNR Margini

-40.32%

PPNR = $-3.55B

Revenue = $8.81B

PPNR / Avg Assetsi

-6.95%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $-3.55B | avg total assets: $51.12B

Cost Efficiency Metrics

Efficiency Ratioi

38.52%

Non-Interest Expense = $3.39B

Revenue = $8.81B

Cost-to-Incomei

38.52%

Operating Expenses = $3.39B

Revenue = $8.81B

Cost-to-Assetsi

6.64%

Operating Expenses = $3.39B

Avg Total Assets = $51.12B

Operating Leverage Metrics

Operating JAWSi

-61.13%

Revenue Growth = 17.59%

Expense Growth = 78.71%

Operating Margin Expansioni

8.90pp

Current Operating Margin = 61.48%

Prior Operating Margin = 52.58%

Earnings Quality Metrics

Earnings Qualityi

1.22x

Operating Cash Flow = $4.93B

Net Income = $4.06B

Accruals / Avg Assetsi

-1.71%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $4.06B | operating cash flow: $4.93B | avg total assets: $51.12B

Volatility Metrics

PPNR Volatilityi

0.34x

Core Revenue Volatilityi

0.10x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $32.79B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $7.96B | employee count: N/A

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Mastercard Incorporated

🔍 Business Model Analysis (DuPont Model)

Financial Metrics

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)

Asset Turnover (TTM)

SG&A/Revenue - SG&A Efficiency (TTM)

Operating Expense Ratio (TTM)

Cost-to-Income Ratio (TTM)

Revenue per Employee (Quarterly)

🎁 Shareholder Returns

Dividend Yield (TTM)

Buyback Yield (TTM)

TSR - Total Shareholder Return (1Y)

Dividend Growth CAGR (3Y)

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)