Mastercard Incorporated (MA) Stock

Mastercard Incorporated (MA) is a Technology stock trading at $543.48 (as of 2026-07-17), with a market capitalization of $485.33B and a trailing P/E of 31.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

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.

Understand Mastercard Incorporated: how it makes money

Mastercard provides transaction processing and other payment-related products and services, including authorization, clearing, and settlement, and it also delivers integrated products and value-added services to account holders, merchants, and financial institutions.

Mastercard’s net revenue is split between its Payment Network component and its Value-added Services and Solutions component, so the company’s profit mix depends on how these two streams contribute over time.

Revenue by segment (latest quarter)
PayNet$5.0B
ValueAdd$3.2B

Business quality (Exceptional): Business model and segment revenue components are clear, but no operational KPI labels were provided to connect results to a specific day-to-day metric.

Valuation: Trades at 28× trailing earnings · $437B market cap.

Bull case

  • End-to-end payments processing plus add-ons: Mastercard facilitates authorization, clearing, and settlement, and it also provides integrated products and value-added services for account holders, merchants, financial institutions, businesses, governments, and other organizations.
  • Diverse customer use cases: The company supports programs that enable issuers to provide consumers with credits to defer payments, showing it offers products beyond pure transaction facilitation.

Bear case

  • Results can hinge on the net revenue mix: Reported net revenue components are divided between Payment Network (4.95B) and Value-added Services and Solutions (3.19B), so changes in relative contribution from either stream can affect overall performance.
  • Operational KPIs not specified here: This dataset does not include operational KPI labels, which makes it harder to track the specific activity driver investors typically monitor for this company using the provided information.
Valuation — source: SEC EDGAR (first-party)
Price$543.48
Market Cap$485.33B
P/E Ratio31.2
EV / EBITDA23.7
Price / Book72.20
Price / Sales14.30
FCF Yield3.7%
DCF Value (model)$217.40
DCF Upside vs Price-60.0%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$32.79B
Net Margin45.6%
Revenue Growth (YoY)15.8%
EPS Growth (YoY)20.8%
FCF Growth (YoY)28.1%
Financial Health — source: SEC EDGAR
Altman Z-Score10.34 (safe)
Valuation vs Sector & Industry
Stock P/E31.2
Sector P/E (Technology)34.7
Industry P/E (Business Services)30.7
vs Sector-10.1%
vs Industry1.5%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Insider Sells (12mo)22
Top Institutional HolderVANGUARD GROUP INC ($45.61B)
Institutional Holders Tracked10
Congressional Trades (recent)10
Company
SectorTechnology
IndustryBusiness Services
CEOMichael Miebach
Employees35,300
CountryUS
IPO Date2006-05-25

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MA earnings history · MA institutional & insider holders · MA KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-17.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.