Mastercard Inc (MA) Factsheet
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Mastercard Inc (MA) Stock Analysis
Analysis from 10-Q filed 2026-10-29. Data as of Q3 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC 61.9%. FCF margin 44.3%. D/E 3.5x. Source: 10-Q filed 2026-10-29.
| Metric | Value | Context |
|---|---|---|
| ROIC | 61.9% | Above industry average |
| FCF Margin | 44.3% | Strong cash generation |
| Debt/Equity | 3.5x | Elevated debt |
ROIC 61.9% — Top 5% of sector peers. FCF margin 44.3% — Top 5%.
Explore Mastercard Inc: Earnings History | Overview
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_section, get_metric_history, compare_companies, screen_filing_signals.
Profitability: Mastercard Inc earns 61.9% ROIC, Top 5% in Technology
ROIC TTM 61.9%, sector median 4.4%, Top 5%. DuPont: NOPAT margin 47.5% × asset turnover 0.7x. Gross margin 96.0%. Operating margin 58.6%. Source: 10-Q filed 2026-10-29.
| Metric | MA | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | 61.9% | Excellent | Above sector median of 4.4% |
| Return on Equity (ROE) | 247.6% | Excellent | Efficient use of shareholder equity |
| Gross Margin | 96.0% | Excellent | Strong pricing power |
| Operating Margin | 58.6% | Excellent | Efficient operations |
Cash Flow: Mastercard Inc generates $16.1B FCF at 44.3% margin, positive NaN/8 quarters
FCF TTM $16.1B. FCF margin 44.3%, Top 5%. OCF/Net income 1.0x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2026-10-29.
| Metric | MA | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 44.3% | Excellent | Excellent cash conversion |
| Free Cash Flow (TTM) | $16.1B | Good | Positive cash generation |
| OCF/Net Income | 1.0x | Good | Potential accrual concerns |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: Mastercard Inc at 3.5x leverage, 26.2x interest coverage
Debt/Equity 3.5x. Total debt $23.9B, cash & investments $10.1B. Interest coverage 26.2x. Source: 10-Q filed 2026-10-29.
| Metric | MA | Rating | Context |
|---|---|---|---|
| Debt to Equity | 3.5x | Red flag | Elevated leverage |
| Net Cash Position | $-13.8B | Warning | Net debt position |
| Interest Coverage | 26.2x | Excellent | Comfortable debt service |
Valuation: Mastercard Inc trades at 33.7x earnings
P/E 33.7x. EV/Sales 16.1x. FCF yield 2.8%. Dividend yield 0.5%. Source: 10-Q filed 2026-10-29.
| Metric | MA | Rating | Context |
|---|---|---|---|
| P/E Ratio | 33.7x | Adequate | Premium valuation |
| EV/Sales | 16.1x | Warning | Growth premium priced in |
| FCF Yield | 2.8% | Adequate | Lower cash yield |
| Dividend Yield | 0.5% | Adequate | Growth focus over income |
Capital Allocation: Mastercard Inc returns 3.2% shareholder yield
Total shareholder yield 3.2% (div 0.5% + buyback 2.7%). Capital returned $18.4B TTM. Source: 10-Q filed 2026-10-29.
| Metric | MA | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 3.2% | Good | Dividend + buyback yield combined |
| Buyback Yield | 2.7% | Adequate | Active share repurchases |
| Total Capital Returned (TTM) | $18.4B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Return on Invested Capital (ROIC) | 61.9% | Top 5% | 14.0x above |
| Free Cash Flow Margin | 44.3% | Top 5% | 4.4x above |
| Gross Margin | 96.0% | Top 10% | 1.9x above |
| Operating Margin | 58.6% | Top 5% | 12.4x above |
| Return on Equity (ROE) | 247.6% | Top 5% | 39.8x above |
| P/E Ratio | 33.7x | N/A | - |
Financial Scorecard
| Metric | MA | Rating | Sector Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | 61.9% | Excellent | Top 5% of sector (median: 4.4%) |
| Free Cash Flow Margin | 44.3% | Excellent | Top 5% of sector (median: 10.1%) |
| Gross Margin | 96.0% | Excellent | Top 10% of sector (median: 50.8%) |
| Debt to Equity Ratio | 354.5% | Red flag | High financial leverage |
| P/E Ratio (Price-to-Earnings) | 33.7x | Adequate | Growth premium |
| Free Cash Flow Yield | 2.8% | Warning | Growth-focused valuation |
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 61.9%. The 8-quarter median ROIC is 59.8% with a improving trend. Sector median 4.4%. Source: 10-Q filed 2026-10-29.
Q: What is Mastercard Inc's Free Cash Flow Margin?
Mastercard Inc (MA) has a free cash flow margin of 44.3%, generating $16.1 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2026-10-29.
Q: What is Mastercard Inc's P/E ratio and how does it compare to peers?
Mastercard Inc (MA) trades at a P/E ratio of 33.7x, which is above the sector median of N/A. EV/Sales 16.1x. FCF yield 2.8%. Source: 10-Q filed 2026-10-29.
Q: Does Mastercard Inc pay a dividend?
Mastercard Inc (MA) currently pays a dividend yield of 0.5%. Total shareholder yield (dividend + buybacks) 3.2%. Source: 10-Q filed 2026-10-29.
Q: How much debt does Mastercard Inc have?
Mastercard Inc (MA) has a debt-to-equity ratio of 3.5x with total debt of $23.9 billion. Interest coverage 26.2x. Net debt $13.8 billion. Source: 10-Q filed 2026-10-29.
Q: What is Mastercard Inc's revenue and earnings growth?
Mastercard Inc (MA) grew revenue by 15.3% year-over-year. EPS +22.3% YoY. Source: 10-Q filed 2026-10-29.
Q: Is Mastercard Inc buying back stock?
Mastercard Inc (MA) repurchased $15.5 billion of stock over the trailing twelve months. This represents a buyback yield of 2.7%. Source: 10-Q filed 2026-10-29.
Q: How does Mastercard Inc compare to competitors in Technology?
Compared to other companies in Technology, Mastercard Inc (MA) shows: ROIC 61.9%, sector median 4.4% (Top 5%). FCF margin 44.3%, sector median 10.1% (Top 5%). Gross margin 96.0%, 45.2pp 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 3.5x (above 1.5x threshold). Source: 10-Q filed 2026-10-29.
Data Source: Data sourced from 10-Q filed 2026-10-29. TTM metrics as of Q3 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.
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