Mastercard (MA) Stock Analysis

June 13, 2026

Here is a fundamental analysis of Mastercard (MA), benchmarking its profitability, financial strength, dividend and valuation against its industry group peers.

Performance

Cumulative Growth

GSPC

Mastercard (MA) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Mastercard (MA) and S&P 500 (GSPC). Returns over one year are annualized.

Performance at a Glance

Mastercard (MA) metric values compared with Financial Services industry-group medians
Metric	Current stock: MA	Industry group median
1-Year Return	-16.36%	0.76%

Risk

Drawdown

GSPC

Mastercard (MA) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Risk at a Glance

Mastercard (MA) metric values compared with Financial Services industry-group medians
Metric	Current stock: MA	Industry group median
1-Year Volatility	22.38%	33.82%
Beta	0.74	1.05

Company Profile

Company profile fields for Mastercard (MA)
Profile Item	MA
Name	Mastercard Incorporated
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Financial Services
GICS Industry	Financial Services
GICS Sub-Industry	Transaction & Payment Processing Services
Market Capitalization	432.94 billion USD
Currency	USD
Exchange	NYSE
Listing Date	May 25, 2006
Security Type	Common Stock

Valuation

Price-to-Earnings Ratio (TTM)

Mastercard (MA) trades at P/E ratio of 28.32, in the richer earnings-multiple quartile for its industry. That premium needs support from growth, durable earnings, or stronger business quality.

MA

Financial Services industry group

28.32

Group distribution

Max: 47.33
MA: 28.32
Q3: 25.83
Median: 14.56
Q1: 9.03
Min: 0.60

Largest peers

MA: 28.32
V: 28.08
AXP: 20.33
GS: 19.42
MS: 19.39
BRK.B: 14.56
BRK.A: 14.52

Where Mastercard (MA) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Price-to-Sales Ratio (TTM)

Mastercard (MA) trades at 12.76 on P/S ratio, above the industry benchmark range. The stock is being valued at an unusually rich price per dollar of trailing revenue.

MA

Financial Services industry group

12.76

Group distribution

MA: 12.76
Max: 9.45
Q3: 4.84
Median: 2.86
Q1: 1.48
Min: -1.12

Largest peers

V: 14.25
MA: 12.76
GS: 5.10
MS: 4.61
AXP: 3.23
BRK.B: 2.81
BRK.A: 2.80

Where Mastercard (MA) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Price-to-Book Ratio (MRQ)

Mastercard (MA) trades at 64.68 on P/B ratio, above the industry benchmark range. Investors are putting an unusually rich price on each dollar of book equity relative to peers.

MA

Financial Services industry group

64.68

Group distribution

MA: 64.68
Max: 7.24
Q3: 3.50
Median: 1.63
Q1: 0.92
Min: 0.00

Largest peers

MA: 64.68
V: 17.29
AXP: 6.53
MS: 3.23
GS: 2.98
BRK.A: 1.45
BRK.B: 0.00

Where Mastercard (MA) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation at a Glance

Mastercard (MA) metric values compared with Financial Services industry-group medians
Metric	Current stock: MA	Industry group median
Price-to-Earnings Ratio (TTM)	28.32	14.56
Price-to-Sales Ratio (TTM)	12.76	2.86
Price-to-Book Ratio (MRQ)	64.68	1.63
Free Cash Flow Yield	--	--

Profitability

Return on Equity (TTM)

Mastercard (MA) posts ROE of 232.08%, above the industry benchmark range. Equity is being turned into profit at an exceptional rate, but very high ROE should still be checked against leverage, buybacks, and the size of the equity base.

MA

Financial Services industry group

232.08%

Group distribution

MA: 232.08%
Max: 42.17%
Q3: 21.40%
Median: 12.18%
Q1: 5.01%
Min: -18.74%

Largest peers

MA: 232.08%
V: 60.35%
AXP: 34.42%
MS: 16.39%
GS: 14.55%
BRK.B: 10.50%
BRK.A: 10.50%

Where Mastercard (MA) stands on ROE within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Net Profit Margin (TTM)

Mastercard (MA) keeps 45.88% of revenue as net profit, putting net margin in the upper peer quartile. After operating costs, interest, and taxes, more of each sales dollar reaches shareholders than it does at most industry peers.

MA

Financial Services industry group

45.88%

Group distribution

Max: 66.55%
MA: 45.88%
Q3: 30.41%
Median: 16.58%
Q1: 4.49%
Min: -26.88%

Largest peers

V: 51.68%
MA: 45.88%
GS: 29.36%
MS: 24.75%
BRK.B: 19.31%
BRK.A: 19.31%
AXP: 16.31%

Where Mastercard (MA) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Profit Margin (TTM)

Mastercard (MA) turns 60.84% of revenue into operating profit, putting operating margin in the upper peer quartile. Before financing and taxes enter the picture, the day-to-day business keeps more of each sales dollar than most industry peers.

MA

Financial Services industry group

60.84%

Group distribution

Max: 95.95%
MA: 60.84%
Q3: 50.01%
Median: 27.45%
Q1: 12.28%
Min: -36.26%

Largest peers

V: 67.35%
MA: 60.84%
MS: 40.62%
GS: 38.60%
AXP: 21.25%
BRK.B: 14.35%
BRK.A: 14.35%

Where Mastercard (MA) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability at a Glance

Mastercard (MA) metric values compared with Financial Services industry-group medians
Metric	Current stock: MA	Industry group median
Return on Equity (TTM)	232.08%	12.18%
Return on Assets (TTM)	25.03%	3.03%
Net Profit Margin (TTM)	45.88%	16.58%
Operating Profit Margin (TTM)	60.84%	27.45%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Mastercard (MA) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt-to-Equity Ratio (MRQ)

debt-to-equity ratio is set aside for Mastercard (MA) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength at a Glance

Mastercard (MA) metric values compared with Financial Services industry-group medians
Metric	Current stock: MA	Industry group median
Current Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Mastercard (MA) has dividend yield of 0.71%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

MA

Financial Services industry group

0.71%

Group distribution

Max: 18.40%
Q3: 7.73%
Median: 1.93%
MA: 0.71%
Q1: 0.00%
Min: 0.00%

Largest peers

MS: 1.87%
GS: 1.69%
AXP: 1.17%
V: 0.83%
MA: 0.71%
BRK.B: 0.00%
BRK.A: 0.00%

Where Mastercard (MA) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Mastercard (MA) has payout ratio of 18.23%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

MA

Financial Services industry group

18.23%

Group distribution

Max: 228.57%
Q3: 95.72%
Median: 25.56%
MA: 18.23%
Q1: 0.00%
Min: 0.00%

Largest peers

MS: 35.55%
GS: 28.31%
V: 21.97%
AXP: 21.29%
MA: 18.23%
BRK.B: 0.00%
BRK.A: 0.00%

Where Mastercard (MA) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividends at a Glance

Mastercard (MA) metric values compared with Financial Services industry-group medians
Metric	Current stock: MA	Industry group median
Dividend Yield (TTM)	0.71%	1.93%
Dividend Payout Ratio (TTM)	18.23%	25.56%