MA

Mastercard Incorporated

Data updated: 2026-04-15 · Current price: $494.2

ProfitabilityGrowthValuationMoatStability
Composite Score: 59
HOLD
Score: 59 / 100
Valuation is within reasonable range — hold and wait for a better entry point
Profitability
75
Growth
64
Valuation
33
Moat
38
Stability
63

Business Quality

ROE · Gross Margin · Revenue Growth

ROE

193.5%

Quality threshold: > 15%

Gross Margin

57.6%

Quality threshold: > 40%

Rev. Growth (5yr)

14.8%

Quality threshold: > 5%

5-Year ROE: 193.5% → 198.5% → 161.6% → 157.7% → 118.8%|5-Year Gross Margin: 57.6% → 55.3% → 55.8% → 55.2% → 53.4%

Financial Strength

Debt Ratio · Free Cash Flow · Current Ratio

Debt / Equity

6

Quality threshold: < 0.5

FCF (5yr avg)

13.4B $

Quality threshold: > 0

Current Ratio

1.17x

Quality threshold: > 1.5

FCF Trend (B USD)

$18.1B2022
$15.3B2023
$12.4B2024
$11.6B2025
$9.9B2026

Valuation

Intrinsic Value · Margin of Safety

Owner Earnings

$14.5B

Net Income + D&A - CapEx

Current Price

$494.20

Source: Alpha Vantage

💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.

Complete Your Analysis

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"Price is what you pay. Value is what you get."

— Warren Buffett