Market Summary
USD354.62+2.99
Market Closed0.85%
MA Alerts
MA Stock Price
MA RSI Chart
MA Valuation
MA Price/Sales (Trailing)
MA Profitability
MA Fundamentals
MA Revenue
MA Earnings
Price Action
52 Week Range
276.87390.00
(Low)(High)
Last 7 days
1.5%
Last 30 days
0.4%
Last 90 days
2.4%
Trailing 12 Months
1.9%
MA Financial Health
MA Investor Care
Peers (Alternatives to MasterCard)
View All Peers In Detail| Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|
| LARGE-CAP | ||||||||
MA | 342.2B | 22.2B | 0.42% | 1.90% | 34.46 | 15.39 | 17.76% | 14.31% |
ACN | 172.6B | 62.4B | 2.79% | -15.48% | 24.48 | 2.77 | 16.08% | 13.77% |
FIS | 30.4B | 14.5B | -22.63% | -48.24% | -1.82 | 2.09 | 4.69% | -4109.59% |
GPN | 26.1B | 9.0B | -11.64% | -27.05% | 233.96 | 2.91 | 5.30% | -88.45% |
AKAM | 12.0B | 3.6B | 5.03% | -35.25% | 22.82 | 3.3 | 4.49% | -19.64% |
| MID-CAP | ||||||||
WEX | 7.5B | 2.4B | -8.98% | -2.90% | 44.66 | 3.18 | 27.02% | 23.58% |
EXLS | 5.2B | 1.4B | -7.68% | 13.73% | 36.15 | 3.66 | 25.82% | 24.58% |
MMS | 4.7B | 4.7B | -7.10% | 3.45% | 24.55 | 0.99 | 6.04% | -32.08% |
WU | 4.1B | 4.5B | -17.04% | -41.49% | 4.45 | 0.91 | -11.74% | 13.01% |
| SMALL-CAP | ||||||||
MGI | 1.0B | 1.3B | -3.13% | -0.85% | 29.72 | 0.78 | 2.06% | 190.24% |
CNDT | 692.2M | 3.9B | -21.73% | -34.77% | -3.8 | 0.18 | -6.81% | -550.00% |
CASS | 615.0M | 182.5M | -7.71% | 19.88% | 17.62 | 3.37 | 18.38% | 22.02% |
IIIV | 553.8M | 330.0M | -1.71% | -11.79% | -30.98 | 1.68 | 30.19% | -260.46% |
Financials for MasterCard
| Income Statement (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Revenue | 2.8% | 22,237 | 21,636 | 20,865 | 19,896 | 18,884 |
| Operating Expenses | 2.5% | 9,973 | 9,729 | 9,353 | 9,061 | 8,802 |
| S&GA Expenses | 4.6% | 8,078 | 7,722 | 7,484 | 7,255 | 7,087 |
| EBITDA | 2.2% | 12,953 | 12,673 | 12,410 | 12,079 | 11,464 |
| EBITDA Margin | -0.6% | 0.58* | 0.59* | 0.59* | 0.61* | 0.61* |
| Earnings Before Taxes | 2.3% | 11,732 | 11,466 | 11,210 | 10,890 | 10,307 |
| EBT Margin | -0.4% | 0.53* | 0.53* | 0.54* | 0.55* | 0.55* |
| Interest Expenses | 4.2% | 471 | 452 | 442 | 434 | 431 |
| Net Income | 1.5% | 9,930 | 9,784 | 9,699 | 9,490 | 8,687 |
| Net Income Margin | -1.3% | 0.45* | 0.45* | 0.46* | 0.48* | 0.46* |
| Free Cahsflow | -0.9% | 10,753 | 10,850 | 9,509 | 9,294 | 9,056 |
| Balance Sheet | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Assets | 3.0% | 38,724 | 37,612 | 36,231 | 37,163 | 37,669 |
| Current Assets | -1.3% | 16,606 | 16,823 | 15,211 | 15,953 | 16,949 |
| Cash Equivalents | -8.2% | 7,008 | 7,633 | 5,921 | 6,879 | 7,421 |
| Net PPE | 0.1% | 1,951 | 1,950 | 1,957 | 1,907 | - |
| Goodwill | 4.8% | 7,522 | 7,176 | 7,519 | 200 | 7,662 |
| Liabilities | 3.8% | 32,347 | 31,169 | 29,969 | 30,033 | 30,257 |
| Current Liabilities | 5.2% | 14,171 | 13,476 | 12,085 | 11,928 | 13,162 |
| LT Debt, Current | -71.4% | 274 | 957 | 735 | 778 | 792 |
| LT Debt, Non Current | 1.3% | 13,749 | 13,577 | 13,746 | 13,868 | 13,109 |
| Shareholder's Equity | -1.0% | 6,298 | 6,361 | 6,236 | 7,102 | 7,312 |
| Retained Earnings | 3.8% | 53,607 | 51,625 | 49,599 | 47,800 | 45,648 |
| Additional Paid-In Capital | 0.6% | 5,298 | 5,269 | 5,163 | 5,026 | 5,061 |
| Accumulated Depreciation | 3.0% | 1,788 | 1,736 | 1,679 | 1,614 | - |
| Shares Outstanding | -0.6% | 965 | 971 | 977 | - | - |
| Minority Interest | -6.5% | 58.00 | 62.00 | 65.00 | 68.00 | 71.00 |
| Cashflow (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Cashflow From Operations | -0.8% | 11,195 | 11,284 | 9,971 | 9,782 | 9,463 |
| Share Based Compensation | -3.3% | 295 | 305 | 296 | 282 | 273 |
| Cashflow From Investing | 5.6% | -1,470 | -1,558 | -1,382 | -1,999 | -5,272 |
| Cashflow From Financing | -24.0% | -10,328 | -8,331 | -8,729 | -8,103 | -6,555 |
| Dividend Payments | 2.1% | 1,903 | 1,864 | 1,824 | 1,781 | 1,741 |
| Buy Backs | 14.9% | 8,753 | 7,615 | 7,625 | 6,956 | 5,904 |
Risks for MA
What is the probability of a big loss on MA?
57.3%
Probability that MasterCard stock will be more than 20% underwater in next one year
18.5%
Probability that MasterCard stock will be more than 30% underwater in next one year.
0%
Probability that MasterCard stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.
How does MA drawdown profile look like?
Y-axis is the maximum loss one would have experienced if MasterCard was unfortunately bought at previous high price.
Drawdowns
Returns for MA
Cumulative Returns on MA
21.4%
10-Year Cumulative Returns
22.1%
7-Year Cumulative Returns
16.4%
5-Year Cumulative Returns
13.2%
3-Year Cumulative Returns
What are the long-term rolling returns for MA?
FIve years rolling returns for MasterCard.
Annualized Returns
Which funds bought or sold MA recently?
View All Details| Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
|---|---|---|---|---|---|---|
2023-03-23 | MetLife Investment Management, LLC | reduced | -2.57 | 14,287,100 | 88,894,700 | 0.71% |
2023-03-23 | ETF MANAGERS GROUP, LLC | reduced | -16.03 | 797,607 | 30,375,600 | 1.42% |
2023-03-22 | Pictet North America Advisors SA | reduced | -7.46 | 558,121 | 4,797,630 | 0.83% |
2023-03-17 | American Portfolios Advisors | reduced | -5.21 | -616,514 | 3,618,030 | 0.15% |
2023-03-15 | B. Riley Wealth Advisors, Inc. | reduced | -0.17 | 3,189,970 | 17,644,000 | 0.49% |
2023-03-13 | Claro Advisors LLC | added | 24.48 | 254,652 | 940,652 | 0.31% |
2023-03-10 | MATHER GROUP, LLC. | added | 9.88 | 674,280 | 2,637,280 | 0.05% |
2023-03-10 | BAILLIE GIFFORD & CO | reduced | -4.57 | 131,875,000 | 921,237,000 | 0.96% |
2023-03-10 | VICTORY CAPITAL MANAGEMENT INC | added | 3.06 | 41,819,600 | 202,446,000 | 0.22% |
2023-03-08 | Capital Asset Advisory Services LLC | reduced | -7.41 | 321,824 | 2,562,820 | 0.20% |
Latest Funds Activity
Calls
Puts
Net Call Options
No. of Funds
MA Alerts
MasterCard News
Schedule 13G FIlings of MasterCard
| Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
|---|---|---|---|---|---|
| Feb 13, 2023 | mastercard foundation | 10.7% | 101,857,200 | SC 13G/A | |
| Feb 09, 2023 | vanguard group inc | 8.20% | 78,248,031 | SC 13G/A | |
| Feb 01, 2023 | blackrock inc. | 6.8% | 64,601,241 | SC 13G/A | |
| Feb 14, 2022 | mastercard foundation | 10.9% | 105,401,431 | SC 13G/A | |
| Feb 03, 2022 | blackrock inc. | 6.7% | 65,712,258 | SC 13G/A | |
| Feb 16, 2021 | mastercard foundation | 11.0% | 109,125,803 | SC 13G/A | |
| Feb 10, 2021 | vanguard group inc | 7.13% | 70,492,830 | SC 13G/A | |
| Feb 05, 2021 | blackrock inc. | 6.8% | 67,555,798 | SC 13G/A | |
| Mar 12, 2020 | mastercard foundation | 11.2% | 111,871,927 | SC 13G | |
| Feb 12, 2020 | vanguard group inc | 7.17% | 71,561,171 | SC 13G/A |
MA Fair Value
MasterCard fair value in different scenarios
The table shows the Fair Value estimates for MasterCard for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.
| Fair Value | Very Pessimistic | Pessimistic | Base Case | Optimistic | Very Optimistic |
|---|---|---|---|---|---|
| Very Low Inflation | 172.65 -51.31% | 240.22 -32.26% | 333.11 -6.07% | 423.03 19.29% | 547.15 54.29% |
| Current Inflation | 150.41 -57.59% | 194.74 -45.08% | 274.96 -22.46% | 370.08 4.36% | 436.83 23.18% |
| Very High Inflation | 136.45 -61.52% | 180.81 -49.01% | 239.08 -32.58% | 298.33 -15.87% | 377.91 6.57% |
Historical MasterCard Fair Value Estimates
Very Pessimistic Case
Pessimistic Case
Fair Value
Optimistic Case
Very Optimistic Case
Closing Stock Price
Recent SEC filings of MasterCard
View All Filings| Date Filed | Form Type | Document | |
|---|---|---|---|
| Mar 09, 2023 | 8-K | Current Report | |
| Mar 08, 2023 | 424B2 | Prospectus Filed | |
| Mar 07, 2023 | FWP | Prospectus Filed | |
| Mar 06, 2023 | 424B2 | Prospectus Filed | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 8-K | Current Report | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 4 | Insider Trading |
Latest Insider Trading transactions for MA
Filter Transactions| Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
|---|---|---|---|---|---|---|
2023-03-01 | Vosburg Craig | acquired | - | - | 6,334 | chief product officer |
2023-03-01 | Madabhushi Venkata R | acquired | - | - | 3,128 | chief marketing officer |
2023-03-01 | Arkell Sandra A | acquired | - | - | 723 | controller |
2023-03-01 | Bhalla Ajay | sold (taxes) | -105,000 | 352 | -298 | president cyber & intelligence |
2023-03-01 | Miebach Michael | acquired | - | - | 14,581 | president & ceo |
2023-03-01 | McLaughlin Edward Grunde | acquired | - | - | 3,701 | president & cto, ma tech |
2023-03-01 | Ling Hai | sold (taxes) | -84,211 | 352 | -239 | co-president, intl markets |
2023-03-01 | Arkell Sandra A | sold (taxes) | -69,060 | 352 | -196 | controller |
2023-03-01 | SACHIN J. MEHRA | sold (taxes) | -461,931 | 352 | -1,311 | chief financial officer |
2023-03-01 | Murphy Timothy H | acquired | - | - | 6,028 | chief administrative officer |
Mastercard 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.
MA Income Statement
2022-12-31Consolidated Statement of Operations - USD ($) shares in Millions, $ in Millions | 12 Months Ended | ||
|---|---|---|---|
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020 | |
| Income Statement [Abstract] | |||
| Net revenue | $ 22,237 | $ 18,884 | $ 15,301 |
| Operating Expenses: | |||
| General and administrative | 8,078 | 7,087 | 5,910 |
| Advertising and marketing | 789 | 895 | 657 |
| Depreciation and amortization | 750 | 726 | 580 |
| Provision for litigation | 356 | 94 | 73 |
| Total operating expenses | 9,973 | 8,802 | 7,220 |
| Operating income | 12,264 | 10,082 | 8,081 |
| Other Income (Expense): | |||
| Investment income | 61 | 11 | 24 |
| Gains (losses) on equity investments, net | (145) | 645 | 30 |
| Interest expense | (471) | (431) | (380) |
| Other income (expense), net | 23 | 0 | 5 |
| Total other income (expense) | (532) | 225 | (321) |
| Income before income taxes | 11,732 | 10,307 | 7,760 |
| Income tax expense | 1,802 | 1,620 | 1,349 |
| Net Income | $ 9,930 | $ 8,687 | $ 6,411 |
| Basic Earnings per Share (in dollars per share) | $ 10.26 | $ 8.79 | $ 6.40 |
| Basic weighted-average shares outstanding (in shares) | 968 | 988 | 1,002 |
| Diluted Earnings per Share (in dollars per share) | $ 10.22 | $ 8.76 | $ 6.37 |
| Diluted weighted-average shares outstanding (in shares) | 971 | 992 | 1,006 |
MA Balance Sheet
2022-12-31Consolidated Balance Sheet - USD ($) $ in Millions | Dec. 31, 2022 | Dec. 31, 2021 |
|---|---|---|
| Assets | ||
| Cash and cash equivalents | $ 7,008 | $ 7,421 |
| Restricted cash for litigation settlement | 589 | 586 |
| Investments | 400 | 473 |
| Accounts receivable | 3,425 | 3,006 |
| Settlement assets | 1,270 | 1,319 |
| Restricted security deposits held for customers | 1,568 | 1,873 |
| Prepaid expenses and other current assets | 2,346 | 2,271 |
| Total current assets | 16,606 | 16,949 |
| Property, equipment and right-of-use assets, net | 2,006 | 1,907 |
| Deferred income taxes | 1,151 | 486 |
| Goodwill | 7,522 | 7,662 |
| Other intangible assets, net | 3,859 | 3,671 |
| Other assets | 7,580 | 6,994 |
| Total Assets | 38,724 | 37,669 |
| Liabilities, Redeemable Non-controlling Interests and Equity | ||
| Accounts payable | 926 | 738 |
| Settlement obligations | 1,111 | 913 |
| Restricted security deposits held for customers | 1,568 | 1,873 |
| Accrued litigation | 1,094 | 840 |
| Accrued expenses | 7,801 | 6,642 |
| Short-term debt | 274 | 792 |
| Other current liabilities | 1,397 | 1,364 |
| Total current liabilities | 14,171 | 13,162 |
| Long-term debt | 13,749 | 13,109 |
| Deferred income taxes | 393 | 395 |
| Other liabilities | 4,034 | 3,591 |
| Total Liabilities | 32,347 | 30,257 |
| Commitments and Contingencies | ||
| Redeemable non-controlling interests | 21 | 29 |
| Stockholders’ Equity | ||
| Additional paid-in-capital | 5,298 | 5,061 |
| Class A treasury stock, at cost, 451 and 425 shares, respectively | (51,354) | (42,588) |
| Retained earnings | 53,607 | 45,648 |
| Accumulated other comprehensive income (loss) | (1,253) | (809) |
| Mastercard Incorporated Stockholders' Equity | 6,298 | 7,312 |
| Non-controlling interests | 58 | 71 |
| Total Equity | 6,356 | 7,383 |
| Total Liabilities, Redeemable Non-controlling Interests and Equity | 38,724 | 37,669 |
| Class A Common Stock | ||
| Stockholders’ Equity | ||
| Common stock value | 0 | 0 |
| Class B Common Stock | ||
| Stockholders’ Equity | ||
| Common stock value | $ 0 | $ 0 |