Mastercard Incorporated (MA)
NYSE · Financials · market cap 436.47B
Share price
$565.73
At the last nightly close
Intrinsic value
$162.14
A single conservative estimate.
Margin of safety
-71.3%
($162.14 − $565.73) ÷ $565.73
EV / EBIT
n/a
Not ranked: financial sector.
How these numbers are computed
The valuations are calculated in Python from filed accounts, not written by a language model. Three methods run side by side: earnings power value, which capitalises a normalised operating profit; a free-cash-flow model; and the Graham Number as an asset-side cross-check. The conservative figure above is the low end of what they agree on.
The frame gives no credit for growth. A company that compounds will therefore read as expensive against it — that is deliberate. It is a price-discipline floor, not a price target, and it is not a view on what the shares will do.
The EV/EBIT ranking uses the median operating profit of up to fifteen fiscal years — a full cycle — where the free screeners use the last twelve months. When the data cannot support a method, the figure reads n/a rather than a number: a free-cash-flow valuation on a bank, a PEG on erratic earnings, a multiple on a company with no operating profit to speak of.
Fundamentals from SEC EDGAR. Prices, market data and technicals from yfinance. Valuation computed 2026-08-23.
Key metrics
Market position
Annual financials
| Period | Revenue | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|
| 2025-FY | 32.79B | 19.51B | 14.97B | 16.54 | 16.43B |
| 2024-FY | 28.17B | 16.33B | 12.87B | 13.91 | 13.59B |
| 2023-FY | 25.10B | 14.63B | 11.20B | 11.86 | 10.89B |
| 2022-FY | 22.24B | 12.72B | 9.93B | 10.26 | 10.10B |
| 2021-FY | 18.88B | 10.08B | 8.69B | 8.76 | 9.06B |
Filed figures from SEC EDGAR, in the reporting currency.
Next earnings
Recent news
- MA Stock Catalyst Calendar: Earnings Dates, Events & Key Triggers | Catacalcatacal.com
- Mastercard Rises With Payments Sector Strength as Investors Weigh Recent Legal and Product Catalysts | Quiver Quantitativequiverquant.com
- Mastercard Stock Has Fallen 13% This Year, the Fundamentals Tell a Different Story | TIKR.comtikr.com
- MasterCard Stock Price | MA Stock Quote, News, and History | Markets Insidermarkets.businessinsider.com
- Mastercard Incorporated (MA) Stock Price, News, Quote & History - Yahoo Financefinance.yahoo.com
Headlines link to their source. Sperio does not republish article text.
The figures above are the arithmetic. To see what a board of eight AI agents makes of them — macro, sector, filings, news and a devil's advocate whose only job is to attack the thesis — run the full analysis on MA.
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This page presents computed figures and filed financial data for information only. It is not investment advice, not a recommendation to buy or sell any security, and not a statement about what these shares will do. Sperio is a research tool, not an investment adviser. Figures are derived automatically from public filings and market data and may be incomplete, out of date or wrong. See the Terms & Disclaimer.