VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesMarketEarningsCompareWatchlistInsider
MAMastercard Incorporated
$489.79$433.6B
Research
OverviewAnalysisShould I Buy?
Valuation
ValuationTargetsPrice
Financials
RevenueEarningsP/ERatiosDividend
Ownership
Holders
Tools
Total ReturnDCA Calculator
← Back to Screener
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Data updated daily

Product

  • Screener
  • Themes
  • Valuation
  • Total Return
  • DCA Calculator
  • News
  • Earnings

Resources

  • Market Valuation
  • Compare
  • Insider Activity
  • Methodology
  • How It Works
  • Glossary
  • Learn

Get Ideas

Get weekly stock ideas — free

Follow VCP Scanner on XFollow VCP Scanner on LinkedIn
© 2026 VCP Scanner
AboutPrivacyTerms
Not financial advice. Do your own research.
ScreenerNewsCompareWatchlist

MA logoMastercard Incorporated(MA)Earnings, Financials & Key Ratios

MA•NYSE•Banking & Credit
29.6× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryPayment Networks and Merchant Acquiring
AboutMastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. It facilitates the processing of payment transactions, including authorization, clearing, and settlement, as well as delivers other payment-related products and services. The company offers integrated products and value-added services for account holders, merchants, financial institutions, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; prepaid programs and management services; commercial credit and debit payment products and solutions; and payment products and solutions that allow its customers to access funds in deposit and other accounts. It also provides value-added products and services comprising cyber and intelligence solutions for parties to transact, as well as proprietary insights, drawing on principled use of consumer, and merchant data services. In addition, the company offers analytics, test and learn, consulting, managed services, loyalty, processing, and payment gateway solutions for e-commerce merchants. Further, it provides open banking and digital identity platforms services. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.Show more
  • Net Interest Income-$722M-11.8%
  • Total Revenue$32.79B+16.4%
  • Net Income$14.97B+16.3%
  • Return on Equity209.92%+10.2%
  • Net Interest Margin-1.33%+0.8%
  • Efficiency Ratio24.27%+15.6%
  • ROA29.28%+2.9%
  • Equity / Assets14.3%+5.6%
  • Book Value per Share8.63+22.7%

MA Key Insights

Mastercard Incorporated (MA) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Excellent 3Y average ROE of 189.3%
  • ✓Strong 5Y profit CAGR of 18.5%
  • ✓Strong Piotroski F-Score: 9/9
  • ✓Efficient operations: 24.3% efficiency ratio
  • ✓14 consecutive years of dividend growth
  • ✓Well capitalized: 14.3% equity/assets

✗Weaknesses

  • ✗High debt to equity ratio of 2.5x
  • ✗Weak NIM of -1.3%
  • ✗Expensive at 56.8x book value

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Get notified when MA posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

Free. Unsubscribe any time.

MA Price & Volume

Mastercard Incorporated (MA) stock price & volume — 10-year historical chart

Loading chart...

MA Growth Metrics

Mastercard Incorporated (MA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years12.99%
5 Years16.47%
3 Years13.82%
TTM-

Profit CAGR

10 Years14.67%
5 Years18.48%
3 Years14.66%
TTM18.47%

EPS CAGR

10 Years17.3%
5 Years21%
3 Years17.32%
TTM21.18%

Return on Capital

10 Years53.97%
5 Years53.97%
3 Years58.74%
Last Year64.4%

MA Recent Earnings

Mastercard Incorporated (MA) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 12/12 qtrs (100%)
Q2 2026Latest
Apr 30, 2026
Metric
Actual
Est
EPS
$4.60+4.3%
$4.41
Rev
$8.4B+1.7%
$8.3B
Q1 2026
Jan 29, 2026
Metric
Actual
Est
EPS
$4.76+12.3%
$4.24
Rev
$8.8B+0.4%
$8.8B
Q4 2025
Oct 30, 2025
Metric
Actual
Est
EPS
$4.38+1.4%
$4.32
Rev
$8.6B+0.8%
$8.5B
Q3 2025
Jul 31, 2025
Metric
Actual
Est
EPS
$4.15+3.0%
$4.03
Rev
$8.1B+2.6%
$7.9B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 30, 2026
$4.60vs $4.41+4.3%
$8.4Bvs $8.3B+1.7%
Q1 2026Jan 29, 2026
$4.76vs $4.24+12.3%
$8.8Bvs $8.8B+0.4%
Q4 2025Oct 30, 2025
$4.38vs $4.32+1.4%
$8.6Bvs $8.5B+0.8%
Q3 2025Jul 31, 2025
$4.15vs $4.03+3.0%
$8.1Bvs $7.9B+2.6%
Based on last 12 quarters of dataView full earnings history →

MA Peer Comparison

Mastercard Incorporated (MA) competitors in Payment Networks and Merchant Acquiring — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
V logoVVisa Inc.Direct Competitor627.79B327.2432.0811.34%51.68%58.9%0.66
AXP logoAXPAmerican Express CompanyDirect Competitor231.9B338.1621.998.44%13.61%33.95%1.73
PYPL logoPYPLPayPal Holdings, Inc.Product Competitor37.5B42.517.864.32%15%25.08%0.49
FIS logoFISFidelity National Information Services, Inc.Product Competitor19.75B38.2150.955.43%22.91%18.45%0.29
FISV logoFISVFiserv, Inc.Product Competitor25.59B47.867.553.6%15.17%12.43%1.13
GPN logoGPNGlobal Payments Inc.Product Competitor15.83B66.8811.47-23.75%-7.99%-2.96%0.92
WEX logoWEXWEX Inc.Product Competitor4.42B127.5315.061.24%11.5%26.96%3.94
JPM logoJPMJPMorgan Chase & Co.Supply Chain908.57B325.2216.223.31%20.35%15.95%2.60

Compare MA vs Peers

Mastercard Incorporated (MA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs V

Most directly comparable listed peer for MA.

Scale Benchmark

vs JPM

Larger-name benchmark to compare MA against a more recognizable public peer.

Peer Set

Compare Top 5

vs V, AXP, PYPL, FIS

MA Income Statement

Mastercard Incorporated (MA) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
-154M-186M-224M-380M-431M-471M-575M-646M-722M-644M
NII Growth %
-62.11%-20.78%-20.43%-69.64%-13.42%-9.28%-22.08%-12.35%-11.76%12.01%
Net Interest Margin %
-0.72%-0.75%-0.77%-1.13%-1.14%-1.22%-1.35%-1.34%-1.33%-1.23%
Interest Income
00000000081M
Interest Expense
154M186M224M380M431M471M575M646M722M725M
Loan Loss Provision
2.53B3.03B3.31B3.41B4.06B4.79B5.45B6.03B4.71B5.06B
Non-Interest Income
12.5B14.95B16.88B15.3B18.88B22.24B25.1B28.17B32.79B33.86B
Non-Interest Income %
100%100%100%100%100%100%100%100%100%99.76%
Total Revenue
12.5B▲ 0%
14.95B▲ 19.6%
16.88B▲ 12.9%
15.3B▼ 9.4%
18.88B▲ 23.4%
22.24B▲ 17.8%
25.1B▲ 12.9%
28.17B▲ 12.2%
32.79B▲ 16.4%
33.94B▲ 0%
Revenue Growth %
15.97%19.63%12.93%-9.37%23.42%17.76%12.87%12.23%16.42%66.99%
Non-Interest Expense
3.19B4.45B3.68B3.43B4.31B4.71B5.07B5.91B7.96B8B
Efficiency Ratio
25.51%29.79%21.81%22.44%22.84%21.18%20.19%20.99%24.27%23.57%
Operating Income
6.62B▲ 0%
7.28B▲ 10.0%
9.66B▲ 32.7%
8.08B▼ 16.4%
10.08B▲ 24.8%
12.26B▲ 21.6%
14.01B▲ 14.2%
15.58B▲ 11.2%
19.4B▲ 24.5%
20.16B▲ 0%
Operating Margin %
52.99%48.71%57.24%52.81%53.39%55.15%55.81%55.32%59.17%59.4%
Operating Income Growth %
14.95%9.97%32.71%-16.38%24.76%21.64%14.22%11.24%24.51%-
Pretax Income
6.52B▲ 0%
7.2B▲ 10.5%
9.73B▲ 35.1%
7.76B▼ 20.3%
10.31B▲ 32.8%
11.73B▲ 13.8%
13.64B▲ 16.3%
15.25B▲ 11.8%
18.58B▲ 21.8%
19.36B▲ 0%
Pretax Margin %
52.19%48.19%57.64%50.72%54.58%52.76%54.34%54.16%56.66%57.04%
Income Tax
2.61B1.34B1.61B1.35B1.62B1.8B2.44B2.38B3.61B3.79B
Effective Tax Rate %
39.97%18.67%16.58%17.38%15.72%15.36%17.92%15.6%19.43%19.57%
Net Income
3.92B▲ 0%
5.86B▲ 49.7%
8.12B▲ 38.6%
6.41B▼ 21.0%
8.69B▲ 35.5%
9.93B▲ 14.3%
11.2B▲ 12.7%
12.87B▲ 15.0%
14.97B▲ 16.3%
15.57B▲ 0%
Net Margin %
31.33%39.19%48.08%41.9%46%44.66%44.61%45.71%45.65%45.88%
Net Income Growth %
-3.55%49.66%38.56%-21.03%35.5%14.31%12.74%15%16.27%18.47%
Net Income (Continuing)
3.92B5.86B8.12B6.41B8.69B9.93B11.2B12.87B14.97B15.57B
EPS (Diluted)
3.65▲ 0%
5.60▲ 53.4%
7.94▲ 41.8%
6.37▼ 19.8%
8.76▲ 37.5%
10.23▲ 16.8%
11.83▲ 15.6%
13.89▲ 17.4%
16.52▲ 18.9%
17.44▲ 0%
EPS Growth %
-1.08%53.42%41.79%-19.77%37.52%16.78%15.64%17.41%18.93%21.18%
EPS (Basic)
3.675.637.986.408.7910.2611.8613.9216.55-
Diluted Shares Outstanding
1.07B1.05B1.02B1.01B992M971M946M927M898M893M

MA Balance Sheet

Mastercard Incorporated (MA) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
7.78B8.38B7.68B10.6B7.89B7.41B9.18B8.77B10.9B39.13B
Cash & Due from Banks
5.93B6.68B6.99B10.11B7.42B7.01B8.59B8.44B10.57B7.91B
Short Term Investments
1.85B1.7B688M483M473M400M592M330M332M313M
Total Investments
2.1B2.03B1.6B1.66B2.31B2.13B2.32B1.94B2.04B313M
Investments Growth %
20.16%-3.1%-21.2%3.31%39.4%-7.67%8.97%-16.54%5.16%-79.02%
Long-Term Investments
249M337M914M1.17B1.83B1.73B1.73B1.61B1.71B5.03B
Accounts Receivables
1.97B2.28B2.51B2.65B3.01B3.42B4.06B3.77B4.61B4.72B
Goodwill & Intangibles
4.16B3.9B5.44B6.71B11.33B11.38B11.75B14.65B15.11B15.02B
Goodwill
3.04B2.9B4.02B4.96B7.66B7.52B7.66B9.19B9.56B9.53B
Intangible Assets
1.12B991M1.42B1.75B3.67B3.86B4.09B5.45B5.55B5.5B
PP&E (Net)
829M921M1.83B1.9B1.91B2.01B2.06B2.14B2.3B2.35B
Other Assets
2.05B2.97B3.61B4.19B5.16B5.85B6.6B8.35B9.91B11.19B
Total Current Assets
13.8B16.17B16.9B19.11B16.95B16.61B18.96B19.72B23.56B22.5B
Total Non-Current Assets
7.53B8.69B12.33B14.47B20.72B22.12B23.49B28.36B30.6B29.96B
Total Assets
21.33B▲ 0%
24.86B▲ 16.6%
29.24B▲ 17.6%
33.58B▲ 14.9%
37.67B▲ 12.2%
38.72B▲ 2.8%
42.45B▲ 9.6%
48.08B▲ 13.3%
54.16B▲ 12.6%
52.45B▲ 0%
Asset Growth %
14.21%16.55%17.6%14.87%12.16%2.8%9.62%13.27%12.64%55.15%
Return on Assets (ROA)
19.57%25.37%30.01%20.41%24.38%26%27.58%28.44%29.28%29.47%
Accounts Payable
933M537M489M527M738M926M834M929M999M1.03B
Total Debt
5.42B6.33B8.53B12.67B13.9B14.02B15.68B18.23B19B18.96B
Net Debt
-509M-348M1.54B2.56B6.48B7.01B7.09B9.78B8.43B11.05B
Long-Term Debt
5.42B5.83B8.53B12.02B13.11B13.75B14.34B17.48B18.25B17.21B
Short-Term Debt
0500M0649M792M274M1.34B750M749M1.75B
Other Liabilities
1.44B1.88B2.73B3.11B3.59B4.03B4.47B4.55B5.09B5.25B
Total Current Liabilities
8.79B11.59B11.9B11.85B13.16B14.17B16.26B19.22B22.76B22.93B
Total Non-Current Liabilities
6.97B7.78B11.34B15.22B17.09B18.18B19.19B22.35B23.65B22.79B
Total Liabilities
15.76B19.37B23.25B27.07B30.26B32.35B35.45B41.57B46.41B45.73B
Total Equity
5.57B▲ 0%
5.49B▼ 1.4%
5.99B▲ 9.1%
6.52B▲ 8.8%
7.41B▲ 13.7%
6.38B▼ 14.0%
7B▲ 9.7%
6.51B▼ 6.9%
7.75B▲ 18.9%
6.72B▲ 0%
Equity Growth %
-2.04%-1.42%9.15%8.78%13.73%-13.96%9.72%-6.89%18.89%30.18%
Equity / Assets (Capital Ratio)
26.11%22.08%20.49%19.41%19.68%16.47%16.48%13.55%14.3%12.82%
Return on Equity (ROE)
69.59%105.98%141.43%102.51%124.73%144.03%167.41%190.56%209.92%205.79%
Book Value per Share
5.195.245.866.487.476.577.407.038.637.53
Tangible BV per Share
1.321.520.54-0.19-3.95-5.15-5.02-8.77-8.20-9.29
Common Stock
0000000000
Additional Paid-in Capital
4.37B4.58B4.79B4.98B5.06B5.3B5.89B6.44B6.91B6.84B
Retained Earnings
22.36B27.28B33.98B38.75B45.65B53.61B62.56B72.91B85.03B88.15B
Accumulated OCI
-497M-718M-673M-680M-809M-1.25B-1.1B-1.43B-981M-928M
Treasury Stock
-20.76B-25.75B-32.2B-36.66B-42.59B-51.35B-60.43B-71.43B-83.22B-87.34B
Preferred Stock
0000000000

MA Cash Flow Statement

Mastercard Incorporated (MA) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
5.55B6.22B8.18B7.22B9.46B11.2B11.98B14.78B17.4B18.2B
Operating CF Growth %
23.88%12.03%31.5%-11.72%30.99%18.3%7.01%23.37%17.73%85.04%
Net Income
3.92B5.86B8.12B6.41B8.69B9.93B11.2B12.87B14.97B15.57B
Depreciation & Amortization
437M459M522M580M726M750M799M897M2.1B1.17B
Deferred Taxes
86M-244M-7M73M-69M-651M-236M-527M57M213M
Other Non-Cash Items
1.23B1.27B998M1.06B762M1.77B1.71B2.05B1.37B1.83B
Working Capital Changes
-286M-1.31B-1.7B-1.15B-916M-904M-1.94B-1.04B-1.69B-1.07B
Cash from Investing
-1.78B-506M-1.64B-1.88B-5.27B-1.47B-1.35B-3.4B-1.36B-1.38B
Purchase of Investments
-2.01B-1.9B-1.32B-807M-911M-594M-736M-658M-868M-809M
Sale/Maturity of Investments
1.82B1.91B1.86B622M856M537M479M586M719M629M
Net Investment Activity
-182M12M532M-185M-55M-57M-257M-72M-149M-180M
Acquisitions
-1.18B174M-1.44B-989M-4.44B-313M0-2.51B00
Other Investing
1M-188M-4M3M33M-3M-723M-345M2M-361M
Cash from Financing
-4.76B-4.97B-5.87B-2.15B-6.55B-10.33B-9.49B-10.84B-14.18B-16.2B
Dividends Paid
-942M-1.04B-1.34B-1.6B-1.74B-1.9B-2.16B-2.45B-2.76B-2.84B
Share Repurchases
-3.76B-4.93B-6.5B-4.47B-5.9B-8.75B-9.03B-11.04B-11.73B-5.04B
Stock Issued
00000000203M75M
Net Stock Activity
-3.76B-4.93B-6.5B-4.47B-5.9B-8.75B-9.03B-11.04B-11.52B-4.97B
Debt Issuance (Net)
-1000K1000K1000K1000K1000K1000K1000K1000K1000K0
Other Financing
-53M100M-375M117M-345M70M237M-201M-391M-8.39B
Net Change in Cash
-788M▲ 0%
745M▲ 194.5%
632M▼ 15.2%
3.45B▲ 445.9%
-2.52B▼ 173.0%
-706M▲ 72.0%
1.27B▲ 279.7%
343M▼ 73.0%
2.19B▲ 539.4%
715M▲ 0%
Exchange Rate Effect
200M-6M-44M257M-153M-103M128M-199M333M96M
Cash at Beginning
6.72B7.59B8.34B8.97B12.42B9.9B9.2B10.46B8.93B13.25B
Cash at End
5.93B8.34B8.97B12.42B9.9B9.2B10.46B10.81B11.13B10.76B
Interest Paid
00000414M477M571M00
Income Taxes Paid
000002.51B2.75B3.25B00
Free Cash Flow
5.13B▲ 0%
5.72B▲ 11.4%
7.46B▲ 30.4%
6.52B▼ 12.6%
8.65B▲ 32.7%
10.1B▲ 16.8%
11.61B▲ 15.0%
14.31B▲ 23.2%
16.91B▲ 18.2%
17.72B▲ 0%
FCF Growth %
25.11%11.44%30.35%-12.6%32.73%16.75%14.96%23.23%18.22%20.78%

MA Banking Ratios

Mastercard Incorporated (MA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)
69.59%105.98%141.43%102.51%124.73%144.03%167.41%190.56%209.92%205.79%
Return on Assets (ROA)
19.57%25.37%30.01%20.41%24.38%26%27.58%28.44%29.28%29.47%
Net Interest Margin
-0.72%-0.75%-0.77%-1.13%-1.14%-1.22%-1.35%-1.34%-1.33%-1.23%
Efficiency Ratio
25.51%29.79%21.81%22.44%22.84%21.18%20.19%20.99%24.27%23.57%
Equity / Assets
26.11%22.08%20.49%19.41%19.68%16.47%16.48%13.55%14.3%12.82%
Book Value / Share
5.195.245.866.487.476.577.47.038.637.53
NII Growth
-62.11%-20.78%-20.43%-69.64%-13.42%-9.28%-22.08%-12.35%-11.76%5.01%
Dividend Payout
24.06%17.82%16.57%25.04%20.04%19.16%19.28%19.02%18.41%18.23%
Related:MA Dividend History·MA Revenue History·MA Price History·MA P/E History·MA Financial Ratios·MA Institutional Holders

MA SEC Filings & Documents

Mastercard Incorporated (MA) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Feb 5, 2026·SEC

Material company update

Jan 29, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 11, 2026·SEC

FY 2025

Feb 12, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 30, 2026·SEC

FY 2025

Oct 30, 2025·SEC

FY 2025

Jul 31, 2025·SEC

MA Frequently Asked Questions

Mastercard Incorporated (MA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Mastercard Incorporated (MA) grew revenue by 16.4% over the past year. This is strong growth.

Yes, Mastercard Incorporated (MA) is profitable, generating $15.57B in net income for fiscal year 2025 (45.6% net margin).

Dividend & Returns

Yes, Mastercard Incorporated (MA) pays a dividend with a yield of 0.63%. This makes it attractive for income-focused investors.

Mastercard Incorporated (MA) has a return on equity (ROE) of 209.9%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

Mastercard Incorporated (MA) has a net interest margin (NIM) of -1.3%. NIM has been under pressure due to interest rate environment.

Mastercard Incorporated (MA) has an efficiency ratio of 24.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in MA back in 2001?

Total return calculator · dividends reinvested · 25+ years of data

See returns →

How much would $100/month in MA be worth today?

Dollar cost averaging calculator · DCA vs lump sum

Calculate →