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Mastercard Inc.
MAFinancialsGenerated Sep 5, 2026, 01:35 PM UTC
MA (Mastercard Inc.) analytical snapshot. Revenue grew +16.4% YoY to $32.79B. Net margin at 0.00% (contracting ▼). Return on equity 0.00%, ROA 0.00%, ROIC 72.71%. Market cap $70.97B at $579.21 per share. Trailing P/E 35.06, P/S 2.16, P/B 12.65. EV/Operating income ≈ 3.16 (EV $59.70B). Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 27 (data confidence 82%). Descriptive analytics from public filings — not investment advice.
Free SEC analysis
— computed from SEC filings, free to readFilings & Ownership
Latest annual report (10-K) filed Feb 11, 2026. Latest quarterly report (10-Q) filed Jul 30, 2026. 12 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 11, 2026.
- Latest quarterly report (10-Q) filed Jul 30, 2026.
- 12 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~10,000+ recent 13F-HR filings reference Mastercard Inc.; broad institutional reporting.
- Recent filers include Allen Investment Management LLC, CTC Alternative Strategies, Ltd., Saranac Partners Ltd.
- 20 recent 13G passive institutional ownership notices.
| Filer | Form | Filed |
|---|---|---|
| Allen Investment Management LLC | 13F-HR | Oct 29, 2007 |
| CTC Alternative Strategies, Ltd. | 13F-HR | May 9, 2013 |
| Saranac Partners Ltd | 13F-HR | Dec 5, 2025 |
| CONTINENTAL ADVISORS LLC | 13F-HR | Aug 14, 2007 |
| Permit Capital, LLC | 13F-HR | Nov 14, 2012 |
| Date | Form | Description |
|---|---|---|
| Jul 30, 2026 | 8-K | 8-K |
| Jun 17, 2026 | 8-K | 8-K |
| Jun 8, 2026 | 8-K | 8-K |
| Jun 2, 2026 | 8-K | 8-K |
| May 7, 2026 | 8-K | 8-K |
| Apr 30, 2026 | 8-K | 8-K |
| Feb 5, 2026 | 8-K | 8-K |
| Jan 29, 2026 | 8-K | 8-K |
SEC Filing Deep-Analysis
1 risk signal(s), 1 positive signal(s), 2 watch item(s) detected from XBRL filing diff analysis. 1 positive signal(s) versus 1 risk signal(s). The filing exhibits more constructive indicators than concerns, though individual risk factors should still be monitored.
- Restatement of financial statements: The term "restatement of" "previously issued" appears in 1 recent filing(s) (vs 1 in the prior period). This risk language is ongoing.
- Operating cash flow exceeds net income: OCF is 2.75x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
- NEW: Restructuring: Restructuring appears in recent filings but not in the prior 24-month period. Monitor for materiality.
- NEW: Off-balance sheet arrangements: Off-balance sheet arrangements appears in recent filings but not in the prior 24-month period. Monitor for materiality.
- Endogenous analysis: 1 positive signal(s) versus 1 risk signal(s). The filing exhibits more constructive indicators than concerns, though individual risk factors should still be monitored.
- 1 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 2 new risk-language term(s) detected in filing text: Restructuring, Off-balance sheet arrangements.
- Ongoing high-severity risk language: Restatement of financial statements.
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $28.17B | $32.79B | $4.62B | +16.4% |
| Operating income | $15.58B | $18.90B | $3.31B | +21.3% |
| Net income | $8.12B | $6.41B | $-1.71B | -21.0% |
| Operating cash flow | $14.78B | $17.65B | $2.87B | +19.4% |
| Capex | $474.0M | $489.0M | $15.0M | +3.2% |
| Total assets | $48.08B | $54.16B | $6.08B | +12.6% |
| Total liabilities | $41.57B | $46.41B | $4.84B | +11.7% |
| Long-term debt | $17.48B | $18.25B | $775.0M | +4.4% |
| Cash & equivalents | $8.44B | $10.57B | $2.12B | +25.2% |
| Stockholders equity | $6.49B | $7.74B | $1.25B | +19.3% |
| Accounts receivable | $3.77B | $4.61B | $836.0M | +22.2% |
| Interest expense | $571.0M | $680.0M | $109.0M | +19.1% |
| Type | Concepts |
|---|---|
| Added | ProceedsFromRepaymentsOfShortTermDebtMaturingInThreeMonthsOrLess |
| Removed | AllocatedShareBasedCompensationExpense, AmortizationOfIntangibleAssets, AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax, AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax, ContractWithCustomerLiabilityCurrent, CurrentFederalTaxExpenseBenefit, CurrentForeignTaxExpenseBenefit, CurrentIncomeTaxExpenseBenefit, CurrentStateAndLocalTaxExpenseBenefit, DeferredCompensationLiabilityCurrentAndNoncurrent |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Restatement of financial statements | high | 1 | 1 | Ongoing |
| Impairment charge | medium | 5 | 2 | Ongoing |
| Restructuring | medium | 5 | 0 | NEW |
| Off-balance sheet arrangements | medium | 5 | 0 | NEW |
| Related party transactions | low | 5 | 0 | NEW |
Fundamentals
Revenue grew +16.4% YoY to $32.79B. Net margin at 0.00% (contracting ▼). Return on equity 0.00%, ROA 0.00%, ROIC 72.71%.
- Revenue grew +16.4% YoY to $32.79B.
- Net margin at 0.00% (contracting ▼).
- Return on equity 0.00%, ROA 0.00%, ROIC 72.71%.
- Gross margin 0.00%, operating margin 57.63%.
- Free cash flow margin 52.33% ($17.16B).
- Debt/equity 0.00, current ratio 1.06, net debt -$11.27B.
- Asset turnover 0.57 — capital efficiency.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2024 | $28.17B | +12.2% | 0.00 | 55.32 | 0.00 | $14.31B | 0.00 |
| 2025 | $32.79B | +16.4% | 0.00 | 57.63 | 0.00 | $17.16B | 0.00 |
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Sep 30, 2024 | $7.37B | +12.8% | — | — |
| Mar 31, 2025 | $7.25B | +14.2% | -1.6% | — |
| Jun 30, 2025 | $8.13B | +16.8% | +12.2% | — |
| Sep 30, 2025 | $8.60B | +16.7% | +5.8% | — |
| Mar 31, 2026 | $8.40B | +15.8% | -2.4% | — |
| Jun 30, 2026 | $9.28B | +14.1% | +10.5% | — |
Pro analysis — preview
— score, signals & key metrics shown; full reasoning lockedValuation
Market cap $70.97B at $579.21 per share. Trailing P/E 35.06, P/S 2.16, P/B 12.65. EV/Operating income ≈ 3.16 (EV $59.70B).
- Market cap $70.97B at $579.21 per share.
Price & Technicals
Price $579.21 — uptrend (above 200-DMA); 1-month momentum positive. RSI(14) 60.51.
- Price $579.21 — uptrend (above 200-DMA); 1-month momentum positive.
Macro & Rates
Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.77%.
- Market regime: Risk-on · Supportive.
Risk Scorecard
Composite risk Moderate. Leverage debt/equity 0.00 (low). Liquidity current ratio 1.06 (adequate).
- Composite risk: Moderate.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. Mastercard Inc. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Analytical read
deterministic previewRevenue grew **+16.4%** YoY to $32.79B..
Peer comparison
Rate-sensitive groupHow MA stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| CME Group Inc. CME | 32 | Neutral |
| Allstate Corp. ALL | 28 | Neutral |
| Mastercard Inc. MA● you | 27 | Neutral |
| Visa Inc. V | 24 | Neutral |
| Charles Schwab Corp. SCHW | 19 | Neutral |
| Capital One Financial COF | 19 | Neutral |
| Digital Realty Trust DLR | 11 | Neutral |
| U.S. Bancorp USB | 10 | Neutral |
| Simon Property Group SPG | 10 | Neutral |
| Chubb Ltd. CB | 8 | Neutral |
| Dominion Energy D | 8 | Neutral |
| Travelers Cos. TRV | 7 | Neutral |
| MetLife Inc. MET | 7 | Neutral |
| American Express Co. AXP | 5 | Neutral |
| Moody's Corp. MCO | 5 | Neutral |
| Welltower Inc. WELL | 5 | Neutral |
| JPMorgan Chase & Co. JPM | 4 | Neutral |
| Wells Fargo & Co. WFC | 1 | Neutral |
| PNC Financial Services PNC | 1 | Neutral |
| Truist Financial TFC | 1 | Neutral |
| Bank of America Corp. BAC | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Equity Residential EQR | 0 | Neutral |
| Citigroup Inc. C | -2 | Neutral |
| BlackRock Inc. BLK | -2 | Neutral |
| Prologis Inc. PLD | -2 | Neutral |
| Goldman Sachs Group GS | -4 | Neutral |
| American Tower Corp. AMT | -4 | Neutral |
| S&P Global SPGI | -5 | Neutral |
| American Water Works AWK | -8 | Neutral |
| Public Storage PSA | -9 | Neutral |
| American Electric Power AEP | -9 | Neutral |
| Equinix Inc. EQIX | -10 | Neutral |
| Morgan Stanley MS | -11 | Neutral |
| Realty Income Corp. O | -12 | Neutral |
| NextEra Energy NEE | -13 | Neutral |
| Duke Energy Corp. DUK | -14 | Neutral |
| Xcel Energy XEL | -17 | Neutral |
| Exelon Corp. EXC | -17 | Neutral |
| Southern Company SO | -17 | Neutral |
| Crown Castle Inc. CCI | -21 | Neutral |
| American International Group AIG | -23 | Neutral |