Mastercard Inc (MA) Factsheet
Mastercard Inc (MA) Stock Analysis
Analysis from 10-Q filed 2025-10-30. Data as of Q1 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC 59.6%. FCF margin 52.4%. D/E 2.8x. Source: 10-Q filed 2025-10-30.
| Metric | Value | Context |
|---|---|---|
| ROIC | 59.6% | Above industry average |
| FCF Margin | 52.4% | Strong cash generation |
| Debt/Equity | 2.8x | Elevated debt |
ROIC 59.6% — Top 5% of sector peers. FCF margin 52.4% — Top 5%.
Explore Mastercard Inc: Earnings History | Filings | ROIC Analysis
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 59.6% ROIC, Top 5% in Technology
ROIC TTM 59.6%, sector median 4.9%, Top 5%. DuPont: NOPAT margin 46.6% × asset turnover 0.6x. Operating margin 57.9%. Source: 10-Q filed 2025-10-30.
| Metric | MA | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | 59.6% | Excellent | Above sector median of 4.9% |
| Return on Equity (ROE) | 206.3% | Excellent | Efficient use of shareholder equity |
| Operating Margin | 57.9% | Excellent | Efficient operations |
Cash Flow: Mastercard Inc generates $17.8B FCF at 52.4% margin, positive NaN/8 quarters
FCF TTM $17.8B. FCF margin 52.4%, Top 5%. OCF/Net income 1.2x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-10-30.
| Metric | MA | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 52.4% | Excellent | Excellent cash conversion |
| Free Cash Flow (TTM) | $17.8B | Good | Positive cash generation |
| OCF/Net Income | 1.2x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: Mastercard Inc at 2.8x leverage
Debt/Equity 2.8x. Total debt $19.0B, cash & investments $10.8B. Source: 10-Q filed 2025-10-30.
| Metric | MA | Rating | Context |
|---|---|---|---|
| Debt to Equity | 2.8x | Warning | Elevated leverage |
| Net Cash Position | $-8.2B | Warning | Net debt position |
Valuation: Mastercard Inc trades at 28.9x earnings
P/E 28.9x. EV/Sales 13.4x. FCF yield 4.0%. Dividend yield 0.6%. Source: 10-Q filed 2025-10-30.
| Metric | MA | Rating | Context |
|---|---|---|---|
| P/E Ratio | 28.9x | Adequate | Premium valuation |
| EV/Sales | 13.4x | Warning | Growth premium priced in |
| FCF Yield | 4.0% | Adequate | Lower cash yield |
| Dividend Yield | 0.6% | Adequate | Growth focus over income |
Capital Allocation: Mastercard Inc returns 3.6% shareholder yield
Total shareholder yield 3.6% (div 0.6% + buyback 2.9%). Capital returned $16.1B TTM. Source: 10-Q filed 2025-10-30.
| Metric | MA | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 3.6% | Good | Dividend + buyback yield combined |
| Buyback Yield | 2.9% | Adequate | Active share repurchases |
| Total Capital Returned (TTM) | $16.1B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Return on Invested Capital (ROIC) | 59.6% | Top 5% | 12.2x above |
| Free Cash Flow Margin | 52.4% | Top 5% | 6.1x above |
| Operating Margin | 57.9% | Top 5% | 11.9x above |
| Return on Equity (ROE) | 206.3% | Top 5% | 43.5x above |
| P/E Ratio | 28.9x | N/A | - |
Financial Scorecard
| Metric | MA | Rating | Sector Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | 59.6% | Excellent | Top 5% of sector (median: 4.9%) |
| Free Cash Flow Margin | 52.4% | Excellent | Top 5% of sector (median: 8.5%) |
| Debt to Equity Ratio | 282.2% | Warning | High financial leverage |
| P/E Ratio (Price-to-Earnings) | 28.9x | Adequate | Growth premium |
| Free Cash Flow Yield | 4.0% | Adequate | Moderate yield |
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 59.6%. Sector median 4.9%. Source: 10-Q filed 2025-10-30.
Q: What is Mastercard Inc's Free Cash Flow Margin?
Mastercard Inc (MA) has a free cash flow margin of 52.4%, generating $17.8 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-10-30.
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 28.9x, which is above the sector median of N/A. EV/Sales 13.4x. FCF yield 4.0%. Source: 10-Q filed 2025-10-30.
Q: Does Mastercard Inc pay a dividend?
Mastercard Inc (MA) currently pays a dividend yield of 0.6%. Total shareholder yield (dividend + buybacks) 3.6%. Source: 10-Q filed 2025-10-30.
Q: How much debt does Mastercard Inc have?
Mastercard Inc (MA) has a debt-to-equity ratio of 2.8x with total debt of $19.0 billion. Net debt $8.2 billion. Source: 10-Q filed 2025-10-30.
Q: What is Mastercard Inc's revenue and earnings growth?
Mastercard Inc (MA) grew revenue by 16.8% year-over-year. EPS +21.2% YoY. Source: 10-Q filed 2025-10-30.
Q: Is Mastercard Inc buying back stock?
Mastercard Inc (MA) repurchased $13.2 billion of stock over the trailing twelve months. This represents a buyback yield of 2.9%. Source: 10-Q filed 2025-10-30.
Q: How does Mastercard Inc compare to competitors in Technology?
Compared to other companies in Technology, Mastercard Inc (MA) shows: ROIC 59.6%, sector median 4.9% (Top 5%). FCF margin 52.4%, sector median 8.5% (Top 5%). 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 2.8x (above 1.5x threshold). Source: 10-Q filed 2025-10-30.
Data Source: Data sourced from 10-Q filed 2025-10-30. TTM metrics as of Q1 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.