Mastercard Stock Financials

MA
 Stock
  

USD 318.24  2.76  0.87%   

Mastercard Revenue Per Employee is projected to decrease significantly based on the last few years of reporting. The past year's Revenue Per Employee was at 786,833. The current year Invested Capital is expected to grow to about 19.2 B, whereas Net Income Per Employee is forecasted to decline to about 337.2 K.
  
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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.

Mastercard Most Recent Estimates

Quarterly Earnings Growth YOY
0.46
Diluted Eps
9.61
EPS Estimate Current Year
10.55
EPS Estimate Next Year
12.7
EPS Estimate Current Quarter
2.17
Earnings Share
9.61

Revenues

16.82 Billion

Share
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.
The fundamental 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.

Mastercard Cash

Chance Of Financial Distress
Less than 1
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. 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 to manipulate its earnings.

Mastercard Company Summary

Mastercard competes with Capital One, Lendingclub Corp, Credit Acceptance, Dupont Denemours, and Disney. 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, Credit 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
IndustryCredit Services
BenchmarkDOW
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

201720182019202020212022 (projected)
Receivables3.34 B4.73 B5.51 B4.35 B4.33 B3.54 B
Accounts Payable933 M537 M489 M527 M738 M600.74 M
Total Assets21.33 B24.86 B29.24 B33.58 B37.67 B32.16 B
Current Assets13.8 B16.17 B16.9 B19.11 B16.95 B16.61 B
Assets Non Current7.53 B8.69 B12.33 B14.47 B20.72 B22.36 B
Cash and Equivalents7.02 B7.76 B8.36 B11.81 B9.29 B8.91 B
Total Debt5.42 B6.33 B8.53 B12.67 B13.9 B11.43 B
Debt Non Current5.42 B5.83 B8.53 B12.02 B13.11 B10.87 B
Deposit Liabilities1.08 B1.08 B1.37 B1.7 B1.87 B1.63 B
Shareholders Equity5.47 B5.39 B5.89 B6.39 B7.31 B6.5 B
Investments1.85 B1.7 B688 M483 M473 M485.45 M
Investments Current1.85 B1.7 B688 M483 M473 M485.45 M
Total Liabilities15.76 B19.37 B23.25 B27.07 B30.26 B24.58 B
Current Liabilities8.79 B11.59 B11.9 B11.85 B13.16 B11.78 B
Tax Assets250 M570 M543 M491 M486 M481.16 M
Tax Liabilities106 M67 M85 M86 M395 M426.18 M

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.
201720182019202020212022 (projected)
Consolidated Income3.92 B5.86 B8.12 B6.41 B8.69 B7.32 B
Gross Profit12.5 B14.95 B16.88 B15.3 B18.88 B16.82 B
Interest Expense154 M186 M224 M380 M431 M465.03 M
Net Income3.92 B5.86 B8.12 B6.41 B8.69 B7.32 B
Operating Expenses5.88 B7.67 B7.22 B7.22 B8.8 B7.9 B
Operating Income6.62 B7.28 B9.66 B8.08 B10.08 B8.93 B
Revenues12.5 B14.95 B16.88 B15.3 B18.88 B16.82 B
Income Tax Expense2.61 B1.34 B1.61 B1.35 B1.62 B1.7 B

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.
201720182019202020212022 (projected)
Capital Expenditure(423 M)(504 M)(728 M)(708 M)(814 M)(835.42 M)
Depreciation Amortization and Accretion437 M459 M522 M580 M726 M617.16 M
Net Cash Flow or Change in Cash and Cash Equivalents(681 M)745 M632 M3.45 B(2.52 B)(2.58 B)
Issuance Purchase of Equity Shares(3.71 B)(4.83 B)(6.37 B)(4.38 B)(5.84 B)(6.3 B)
Issuance Repayment of Debt Securities(64 M)991 M2.22 B3.96 B1.37 B1.61 B
Payment of Dividends and Other Cash Distributions(942 M)(1.04 B)(1.34 B)(1.6 B)(1.74 B)(1.79 B)
Net Cash Flow from Financing(4.76 B)(4.97 B)(5.87 B)(2.15 B)(6.55 B)(6.73 B)
Net Cash Flow from Investing(1.78 B)(506 M)(1.64 B)(1.88 B)(5.27 B)(5.41 B)
Net Cash Flow Investment Acquisitions and Disposals(182 M)12 M532 M(10 M)(55 M)(59.34 M)
Net Cash Flow from Operations5.66 B6.22 B8.18 B7.22 B9.46 B8.07 B
Effect of Exchange Rate Changes on Cash200 M(6 M)(44 M)257 M(153 M)(157.03 M)
Share Based Compensation176 M196 M250 M254 M273 M225.49 M

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 price to earnings to growth category among related companies producing about  0.03  of Price to Earnings To Growth per Price to Earning. The ratio of Price to Earning to Price to Earnings To Growth for Mastercard is roughly  30.29 . As of July 2, 2022, Earnings Before Interest Taxes and Depreciation Amortization EBITDA is expected to decline to about 10 B. In addition to that, Earnings before Tax is expected to decline to about 9 B. 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 five with a total number of output elements of fifty-six. 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.
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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.
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 that you should keep in mind 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 year after year 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 try and figure out 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 net revenue of Mastercard grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only grown 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.

Mastercard Thematic Clasifications

Mastercard is part of several thematic ideas from Giant Impact to Banks. 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
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Mastercard July 2, 2022 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.
Information Ratio(0.002926)
Maximum Drawdown10.59
Value At Risk(4.11)
Potential Upside3.64
Additionally, see Stocks Correlation. 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 Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.

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When running Mastercard 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 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 YOY
0.46
Market Capitalization
309.5 B
Quarterly Revenue Growth YOY
0.24
Return On Assets
0.19
Return On Equity
1.4
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 Mastercard value 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.