MA

Mastercard Incorporated

Quarterly revenue, EPS, free cash flow, valuation, and Rule of 40 scores for Mastercard Incorporated.

R40: 73$446.56B
$493.44-6.22 (-1.24%)● Live
Current Narrative

Mastercard is viewed positively with earnings beats (+15% EPS/revenue YoY), growth in services/cross-border (+14%), and AI efficiencies driving 4% headcount reduction. At lowest valuation in 2 years with superior fundamentals (59% ROIC, 67% margins, zero credit risk). Market sees as premium but justified despite rate cap fears.

News

Latest Coverage

NewsJan 29

Mastercard Beat Q1 Expectations

EPS +15% YoY, revenue +15% YoY; cross-border +14%; reducing headcount 4% via efficiencies (AI?); green in red market.

@TerryLennox_ on X
NewsJan 29

Mastercard Q1 Earnings

Down -1.7% premarket despite beat; analysts positive on VAS growth and AI tools.

The Street
NewsJan 28

Mastercard Dipping 2% After Hours

Despite double beat, credit card rate cap fears linger—good numbers not enough.

@marketsnackapp on X
NewsJan 27

Mastercard at Lowest Valuation in 2 Years

More interesting than Visa; 59% ROIC, 57% ROCE, 15.6% revenue growth—top fundamentals.

@BramVGenechten on X
NewsJan 26

Mastercard Up 4%

Gapped up on earnings beat; cross-border +14%, services growth; solid guide.

@TrendSpider on X
NewsJan 22

Mastercard: The Payments King

Investment deep dive; operates with 67% margins, zero credit risk, processes $14T+ volume.

MoneyFlow Research
See all news →
Rule of 402025 Q4
73.1
✓ Passing
Revenue Growth YoY+17.6%
+
FCF Margin+55.5%
History
34
Q1
55
Q2
81
Q3
78
Q4
2024 R40 +63
45
Q1
73
Q2
81
Q3
73
Q4
2025 R40 +69
ANALYST RATINGS
Buy$661
MA
Outperform$610
Upgrade
2026-02-03
Overweight$650
Initiated
2026-01-27
Buy$735
Upgrade
2026-01-13
Buy$633
Upgrade
2025-12-08
Buy$735
Initiated
2025-10-23
See all 17 ratings →
Revenue
2025Q4$8.8B
*Qtr, USD
EPS
2025Q4$4.52
*Qtr, USD per share
P/E Ratio
2025Q434.51
*Qtr, x
Free cash flow
2025Q4$4.9B
*Qtr, USD
Shares
Loading...
Cumulative FCF
2025Q4$108.0B
*Running total, USD
Company timeline

Earnings release dates

QuarterEnd datePublication dateSource
2025 Q42025-12-312026-01-29Link
2025 Q32025-09-302025-10-30Link
2025 Q22025-06-302025-07-31Link
2025 Q12025-03-312025-05-01Link
2024 Q42024-12-312025-01-30Link
2024 Q32024-09-302024-10-31Link
2024 Q22024-06-302024-07-31Link
2024 Q12024-03-312024-05-01Link
2023 Q42023-12-312024-01-31Link
2023 Q32023-09-302023-10-26Link
2023 Q22023-06-302023-07-27Link
2023 Q12023-03-312023-04-27Link
2022 Q42022-12-312023-01-26Link
2022 Q32022-09-302022-10-27Link
2022 Q22022-06-302022-07-28Link
2022 Q12022-03-312022-04-28Link
2021 Q42021-12-312022-01-27Link
2021 Q32021-09-302021-10-28Link
2021 Q22021-06-302021-07-29Link
2021 Q12021-03-312021-04-29Link
2020 Q42020-12-312021-01-28Link
2020 Q32020-09-302020-10-28Link
2020 Q22020-06-302020-07-30Link
2020 Q12020-03-312020-04-29Link
Background

Company History

ExchangeNYSE
IPO DateMay 25, 2006
IPO Price$39.00
Shares Outstanding905.00Mi
1966
Founding as Interbank Card Association
Founded by a group of California banks as Interbank Card Association to compete with BankAmericard (later Visa).
1969
Master Charge Name
Renamed to Master Charge: The Interbank Card, establishing unified branding.
1979
Rebranding to Mastercard
Changed name from Master Charge to Mastercard to reflect global expansion.
2006
IPO
Went public on NYSE, raising $2.4 billion in one of the largest IPOs that year.
2010
Acquisition of DataCash
Acquired payment gateway DataCash for $520 million, expanding e-commerce capabilities.
2017
Acquisition of VocaLink
Acquired UK-based VocaLink for $920 million, gaining real-time payments infrastructure.
2019
Acquisition of Nets Corporate Services
Acquired European payment services for $3.2 billion.
2022
Suspension of Operations in Russia
Following the Russian invasion of Ukraine, Mastercard suspended all business operations in Russia in March 2022.
Leadership

Key Players

Michael Miebach
Chief Executive Officer
@MichaelMiebach
CEO since January 2021, succeeding Ajay Banga. Previously served as Chief Product Officer. Leading Mastercard's expansion into digital payments, open banking, and multi-rail strategy beyond traditional card networks.
Sachin Mehra
Chief Financial Officer
CFO since April 2019, succeeding Martina Hund-Mejean. Previously served as Treasurer. Oversees financial planning, investor relations, treasury, and M&A activities.
Craig Vosburg
Chief Services Officer
Leads Mastercard's services businesses including consulting, analytics, cyber & intelligence, and loyalty solutions. Longtime Mastercard executive instrumental in growing the high-margin services segment.
Ed McLaughlin
President & Chief Technology Officer
Oversees Mastercard's technology strategy, architecture, and engineering. Leads the company's network infrastructure, cloud migration, and real-time payments technology capabilities.
Linda Kirkpatrick
President, Americas
Leads Mastercard's business across North America and Latin America. Responsible for customer relationships with major issuers, acquirers, merchants, and fintech partners in the region.
Ling Hai
President, Asia Pacific, Europe, Middle East & Africa
Oversees Mastercard's business across APMEA, the company's largest geographic market by transaction volume. Drives international expansion and digital payment adoption.
Short Interest

Short interest data unavailable for MA.

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