Mastercard Financials

MA Stock  USD 477.95  1.15  0.24%   
Based on the measurements of operating efficiency obtained from Mastercard's historical financial statements, Mastercard is performing exceptionally good at this time. It has a great probability to report excellent financial results in April. At present, Mastercard's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 16.5 B, whereas Total Stockholder Equity is forecasted to decline to about 4.6 B. Key indicators impacting Mastercard's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.470.4461
Notably Up
Slightly volatile
Return On Assets0.280.2637
Notably Up
Slightly volatile
Return On Equity1.71.6157
Sufficiently Up
Slightly volatile
Debt Equity Ratio2.382.2631
Sufficiently Up
Slightly volatile
Operating Income15.3 B14.5 B
Sufficiently Up
Slightly volatile
Current Ratio1.771.1658
Way Up
Slightly volatile
The financial analysis of Mastercard is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Mastercard includes many different criteria found on its balance sheet. For example, investors should never minimize Mastercard's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Mastercard's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Mastercard.

Cash And Equivalents

7.99 Billion

With this module, you can analyze Mastercard financials for your investing period. You should be able to track the changes in Mastercard individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
  
Understanding current and past Mastercard Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Mastercard's financial statements are interrelated, with each one affecting the others. For example, an increase in Mastercard's assets may result in an increase in income on the income statement.
Evaluating Mastercard's financials involves analyzing a range of financial metrics and ratios to gain insights into the company's financial health and performance. However, considering all of Mastercard's profitability, liquidity ratios, and efficiency indicators at the same time could be an enormous task, and our Financial Distress score can provide you with a snapshot of the Mastercard's relative financial performance

Chance Of Distress

Less than 1

 
100  
 
Zero
Very Small
Mastercard has less than 1 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Mastercard stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity.
Please note, Mastercard's odds of distress score SHOULD NOT be confused with the real chance of Mastercard filing for bankruptcy protection for chapters 7, 11, 12, or 13. We define Financial Distress as an operational condition where an entity such as Mastercard is having difficulty meeting its current financial obligations towards its creditors or delivering on the expectations of its investors. Macroaxis derives these conditions daily from public financial statements and analysis of stock prices reacting to market conditions or economic downturns, including short-term and long-term historical volatility. Other factors considered include Mastercard's liquidity analysis, revenue patterns, R&D expenses, and commitments, as well as public headlines and social sentiment.
More Info
The data published in Mastercard's official financial statements usually reflect Mastercard's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Mastercard. For example, before you start analyzing numbers published by Mastercard accountants, it's critical to develop an understanding of what Mastercard's liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Mastercard's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Mastercard's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Mastercard's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Mastercard. Please utilize our Beneish M Score to check the likelihood of Mastercard's management manipulating its earnings.

Mastercard Company Summary

Mastercard competes with Diamond Hill, Nocturne Acquisition, Mountain I, Mountain Crest, and Monterey Capital. Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York. Mastercard operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 24000 people.
Foreign Associates
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
CIK Number0001141391
ISINUS57636Q1040
CUSIP57636Q104
RegionNorth America
LocationNew York; U.S.A
Business Address2000 Purchase Street,
SectorFinancial Services
IndustryFinancials
BenchmarkNYSE Composite
Websitewww.mastercard.com
Phone914 249 2000
CurrencyUSD - US Dollar
You should never invest in Mastercard without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Mastercard Stock, because this is throwing your money away. Analyzing the key information contained in Mastercard's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Mastercard Key Financial Ratios

Generally speaking, Mastercard's financial ratios allow both analysts and investors to convert raw data from Mastercard's financial statements into concise, actionable information that can be used to evaluate the performance of Mastercard over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Mastercard reports annually and quarterly.

Mastercard Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets29.2B33.6B37.7B38.7B42.4B44.6B
Net Debt1.5B2.6B6.5B7.0B7.1B7.4B
Total Liab23.2B27.1B30.3B32.3B35.5B37.2B
Other Current Liab11.4B2.9B3.2B11.4B12.2B12.9B
Retained Earnings34.0B38.7B45.6B53.6B62.6B65.7B
Accounts Payable489M527M738M926M834M545.1M
Cash7.0B10.1B7.4B7.0B8.6B4.4B
Net Receivables5.5B4.4B4.3B3.4B4.1B2.3B
Good Will4.0B5.0B7.7B7.5B7.7B8.0B
Other Current Assets1.8B1.9B2.3B3.6B3.9B4.1B
Total Current Assets16.9B19.1B16.9B16.6B19.0B10.2B
Short Term Debt(1.4B)649M792M274M1.3B1.0B
Intangible Assets1.4B1.8B3.7B3.9B4.1B4.3B
Common Stock140K141K140.5K140.7K126.6K175.9K
Other Liab2.2B3.2B4.0B3.8B4.4B2.9B
Other Assets4.2B5.9B7.5B8.7B10.0B10.5B
Long Term Debt8.5B12.0B13.1B13.7B14.3B15.1B
Treasury Stock(32.2B)(36.7B)(42.6B)(51.4B)(46.2B)(43.9B)
Net Tangible Assets529M(293M)(4.0B)(5.1B)(4.6B)(4.3B)
Long Term Debt Total8.5B12.0B13.1B13.7B15.8B16.6B

Mastercard Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Mastercard's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense224M380M431M471M575M603.8M
Total Revenue16.9B15.3B18.9B22.2B25.1B26.4B
Gross Profit13.3B11.5B14.4B17.0B19.1B20.0B
Operating Income9.7B8.1B10.1B12.3B14.5B15.3B
Ebit9.7B8.1B10.1B12.3B14.5B15.3B
Ebitda10.2B8.7B10.9B13.4B15.3B16.1B
Net Income8.1B6.4B8.7B9.9B11.2B11.8B
Income Tax Expense1.6B1.3B1.6B1.8B2.4B2.6B
Income Before Tax9.7B7.8B10.3B11.7B13.6B14.3B
Cost Of Revenue3.5B3.8B4.5B5.3B6.0B3.2B
Minority Interest100M94M98M126M144.9M152.1M
Tax Provision1.6B1.3B1.6B1.8B2.4B1.9B
Interest Income40M326M225M555M638.3M670.2M
Net Interest Income(224M)(380M)(431M)(471M)(575M)(546.3M)

Mastercard Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Mastercard. It measures of how well Mastercard is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Mastercard brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Mastercard had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Mastercard has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201920202021202220232024 (projected)
Change To Inventory(1.4B)(3.0B)(1.4B)(823M)(740.7M)(703.7M)
Change In Cash632M3.5B(2.5B)(706M)1.3B1.3B
Free Cash Flow7.5B6.5B8.6B10.1B11.6B12.2B
Depreciation522M580M726M750M799M839.0M
Other Non Cash Items998M1.1B762M1.8B268M464.0M
Capital Expenditures728M708M814M1.1B371M364.5M
Net Income8.1B6.4B8.7B9.9B11.2B11.8B
End Period Cash Flow9.0B12.4B9.9B9.2B10.5B11.0B
Dividends Paid1.3B1.6B1.7B1.9B(2.2B)(2.1B)
Investments999M29M(55M)(1.5B)(1.4B)(1.3B)
Change Receivables(246M)(86M)(397M)(481M)(432.9M)(411.3M)
Net Borrowings2.2B4.0B1.4B399M458.9M435.9M
Change To Netincome267M341M(405M)(312M)(280.8M)(266.8M)

Mastercard Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Mastercard's current stock value. Our valuation model uses many indicators to compare Mastercard value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Mastercard competition to find correlations between indicators driving Mastercard's intrinsic value. More Info.
Mastercard is considered to be number one stock in price to earning category among related companies. It is considered to be number one stock in gross profit category among related companies fabricating about  633,713,309  of Gross Profit per Price To Earning. At present, Mastercard's Gross Profit is projected to increase significantly based on the last few years of reporting.. Comparative valuation analysis is a catch-all model that can be used if you cannot value Mastercard by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Mastercard's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Mastercard's earnings, one of the primary drivers of an investment's value.

Mastercard Systematic Risk

Mastercard's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Mastercard volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on Mastercard correlated with the market. If Beta is less than 0 Mastercard generally moves in the opposite direction as compared to the market. If Mastercard Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Mastercard is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Mastercard is generally in the same direction as the market. If Beta > 1 Mastercard moves generally in the same direction as, but more than the movement of the benchmark.

About Mastercard Financials

What exactly are Mastercard Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Mastercard's income statement, its balance sheet, and the statement of cash flows. Potential Mastercard investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Mastercard investors may use each financial statement separately, they are all related. The changes in Mastercard's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Mastercard's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.

Steps to analyze Mastercard Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Mastercard is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Mastercard has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if Mastercard's financials are consistent with your investment objective using the following steps:
  • Review Mastercard's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand Mastercard's liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare Mastercard's financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if Mastercard's stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.

Mastercard Thematic Clasifications

Mastercard is part of several thematic ideas from Giant Impact to Business Services. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Mastercard Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Mastercard's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Mastercard growth as a starting point in their analysis.

Price Earnings To Growth Ratio

2.42

At present, Mastercard's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Mastercard March 28, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Mastercard help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Mastercard. We use our internally-developed statistical techniques to arrive at the intrinsic value of Mastercard based on widely used predictive technical indicators. In general, we focus on analyzing Mastercard Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Mastercard's daily price indicators and compare them against related drivers.
When determining whether Mastercard offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Mastercard's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Mastercard Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Mastercard Stock:
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Mastercard. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in nation.
For information on how to trade Mastercard Stock refer to our How to Trade Mastercard Stock guide.
Note that the Mastercard information on this page should be used as a complementary analysis to other Mastercard's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Efficient Frontier module to plot and analyze your portfolio and positions against risk-return landscape of the market..

Complementary Tools for Mastercard Stock analysis

When running Mastercard's price analysis, check to measure Mastercard's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Mastercard is operating at the current time. Most of Mastercard's value examination focuses on studying past and present price action to predict the probability of Mastercard's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Mastercard's price. Additionally, you may evaluate how the addition of Mastercard to your portfolios can decrease your overall portfolio volatility.
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Is Mastercard's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Mastercard. If investors know Mastercard will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Mastercard listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.136
Dividend Share
2.37
Earnings Share
11.82
Revenue Per Share
26.587
Quarterly Revenue Growth
0.126
The market value of Mastercard is measured differently than its book value, which is the value of Mastercard that is recorded on the company's balance sheet. Investors also form their own opinion of Mastercard's value that differs from its market value or its book value, called intrinsic value, which is Mastercard's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Mastercard's market value can be influenced by many factors that don't directly affect Mastercard's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Mastercard's value and its price as these two are different measures arrived at by different means. Investors typically determine if Mastercard is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Mastercard's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.