Mastercard Inc (MA) Factsheet
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Mastercard Inc (MA) Stock Analysis
Analysis from 10-Q filed 2026-07-30. Data as of Q2 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC 61.2%. FCF margin 47.6%. D/E 4.4x. Source: 10-Q filed 2026-07-30.
| Metric | Value | Context |
|---|---|---|
| ROIC | 61.2% | Above industry average |
| FCF Margin | 47.6% | Strong cash generation |
| Debt/Equity | 4.4x | Elevated debt |
ROIC 61.2% — Top 5% of sector peers. FCF margin 47.6% — Top 5%.
Explore Mastercard Inc: Earnings History | Filings
Programmatic access: Available via MCP at mcp.metricduck.com. Tools for MA: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.
Profitability: Mastercard Inc earns 61.2% ROIC, Top 5% in Technology
ROIC TTM 61.2%, sector median 3.5%, Top 5%. DuPont: NOPAT margin 47.0% × asset turnover 0.7x. Gross margin 96.1%. Operating margin 58.3%. Source: 10-Q filed 2026-07-30.
| Metric | MA | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | 61.2% | Excellent | Above sector median of 3.5% |
| Return on Equity (ROE) | 223.5% | Excellent | Efficient use of shareholder equity |
| Gross Margin | 96.1% | Excellent | Strong pricing power |
| Operating Margin | 58.3% | Excellent | Efficient operations |
Cash Flow: Mastercard Inc generates $16.7B FCF at 47.6% margin, positive NaN/8 quarters
FCF TTM $16.7B. FCF margin 47.6%, Top 5%. OCF/Net income 1.1x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2026-07-30.
| Metric | MA | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 47.6% | Excellent | Excellent cash conversion |
| Free Cash Flow (TTM) | $16.7B | Good | Positive cash generation |
| OCF/Net Income | 1.1x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: Mastercard Inc at 4.4x leverage, 27.4x interest coverage
Debt/Equity 4.4x. Total debt $24.6B, cash & investments $11.3B. Interest coverage 27.4x. Source: 10-Q filed 2026-07-30.
| Metric | MA | Rating | Context |
|---|---|---|---|
| Debt to Equity | 4.4x | Red flag | Elevated leverage |
| Net Cash Position | $-13.4B | Warning | Net debt position |
| Interest Coverage | 27.4x | Excellent | Comfortable debt service |
Valuation Analysis for Mastercard Inc
Source: 10-Q filed 2026-07-30.
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Return on Invested Capital (ROIC) | 61.2% | Top 5% | 17.4x above |
| Free Cash Flow Margin | 47.6% | Top 5% | 4.7x above |
| Gross Margin | 96.1% | Top 10% | 1.9x above |
| Operating Margin | 58.3% | Top 5% | 13.6x above |
| Return on Equity (ROE) | 223.5% | Top 5% | 41.6x above |
Financial Scorecard
| Metric | MA | Rating | Sector Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | 61.2% | Excellent | Top 5% of sector (median: 3.5%) |
| Free Cash Flow Margin | 47.6% | Excellent | Top 5% of sector (median: 10.2%) |
| Gross Margin | 96.1% | Excellent | Top 10% of sector (median: 50.6%) |
| Debt to Equity Ratio | 439.2% | Red flag | High financial leverage |
Frequently Asked Questions
Q: What is Mastercard Inc's Return on Invested Capital (ROIC)?
Mastercard Inc (MA) has a trailing twelve-month Return on Invested Capital (ROIC) of 61.2%. The 8-quarter median ROIC is 58.6% with a improving trend. Sector median 3.5%. Source: 10-Q filed 2026-07-30.
Q: What is Mastercard Inc's Free Cash Flow Margin?
Mastercard Inc (MA) has a free cash flow margin of 47.6%, generating $16.7 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2026-07-30.
Q: What is Mastercard Inc's P/E ratio and how does it compare to peers?
Mastercard Inc (MA) Source: 10-Q filed 2026-07-30.
Q: How much debt does Mastercard Inc have?
Mastercard Inc (MA) has a debt-to-equity ratio of 4.4x with total debt of $24.6 billion. Interest coverage 27.4x. Net debt $13.4 billion. Source: 10-Q filed 2026-07-30.
Q: What is Mastercard Inc's revenue and earnings growth?
Mastercard Inc (MA) grew revenue by 16.0% year-over-year. EPS +22.6% YoY. Source: 10-Q filed 2026-07-30.
Q: Is Mastercard Inc buying back stock?
Mastercard Inc (MA) repurchased $15.8 billion of stock over the trailing twelve months. This represents a buyback yield of 2.3%. Source: 10-Q filed 2026-07-30.
Q: How does Mastercard Inc compare to competitors in Technology?
Compared to other companies in Technology, Mastercard Inc (MA) shows: ROIC 61.2%, sector median 3.5% (Top 5%). FCF margin 47.6%, sector median 10.2% (Top 5%). Gross margin 96.1%, 45.5pp above sector median. These rankings are based on MetricDuck's analysis of all Technology companies with available SEC filings.
Q: What warning signs should I watch for with Mastercard Inc?
Quantitative warning flags for Mastercard Inc (MA): 1) debt/equity 4.4x (above 1.5x threshold). Source: 10-Q filed 2026-07-30.
Data Source: Data sourced from 10-Q filed 2026-07-30. TTM metrics as of Q2 2026.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.