MA.BA - Mastercard Incorporated
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DETAILS
| Metric | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||
| Revenue | 8,602.0 | 8,133.0 | 7,250.0 | 7,489.0 | 7,369.0 | 6,961.0 | 6,348.0 | 6,548.0 | 6,533.0 | 6,269.0 |
| Cost of Revenue | 1,893.0 | 1,852.0 | 1,688.0 | 1,653.0 | 1,899.0 | 1,607.0 | 1,514.0 | 1,528.0 | 1,573.0 | 1,495.0 |
| Gross Profit | 6,709.0 | 6,281.0 | 5,562.0 | 5,836.0 | 5,470.0 | 5,354.0 | 4,834.0 | 5,020.0 | 4,960.0 | 4,774.0 |
| Operating Expenses | ||||||||||
| R&D Expenses | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| SG&A Expenses | 1,648.0 | 1,086.0 | 986.0 | 1,371.0 | 1,049.0 | 990.0 | 860.0 | 1,117.0 | 880.0 | 882.0 |
| Other Expenses | 0.0 | 418.0 | 427.0 | 527.0 | 417.0 | 328.0 | 370.0 | 531.0 | 236.0 | 236.0 |
| Operating Expenses | 1,648.0 | 1,504.0 | 1,413.0 | 1,898.0 | 1,466.0 | 1,318.0 | 1,230.0 | 1,648.0 | 1,116.0 | 1,118.0 |
| Operating Income | ||||||||||
| Operating Income | 5,061.0 | 4,777.0 | 4,149.0 | 3,938.0 | 4,004.0 | 4,036.0 | 3,604.0 | 3,372.0 | 3,844.0 | 3,656.0 |
| Interest Expense | 186.0 | 195.0 | 182.0 | 184.0 | 159.0 | 153.0 | 150.0 | 148.0 | 151.0 | 144.0 |
| Interest Income | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Profitability | ||||||||||
| EBITDA | 5,351.0 | 5,148.0 | 4,488.0 | 4,306.0 | 4,248.0 | 4,317.0 | 3,924.0 | 3,674.0 | 4,123.0 | 4,040.0 |
| EBIT | 5,061.0 | 4,867.0 | 4,213.0 | 4,075.0 | 4,025.0 | 4,092.0 | 3,708.0 | 3,469.0 | 3,912.0 | 3,848.0 |
| Income Before Tax | 4,999.0 | 4,672.0 | 4,031.0 | 3,891.0 | 3,866.0 | 3,939.0 | 3,558.0 | 3,321.0 | 3,761.0 | 3,704.0 |
| Income Tax Expense | 1,072.0 | 971.0 | 751.0 | 549.0 | 603.0 | 681.0 | 547.0 | 530.0 | 563.0 | 859.0 |
| Net Income | 3,927.0 | 3,701.0 | 3,280.0 | 3,342.0 | 3,263.0 | 3,258.0 | 3,011.0 | 2,791.0 | 3,198.0 | 2,845.0 |
| Per Share Data | ||||||||||
| EPS (Basic) | 4.35 | 4.06 | 3.60 | 3.60 | 3.52 | 3.51 | 3.23 | 2.98 | 3.40 | 3.01 |
| EPS (Diluted) | 4.34 | 4.05 | 3.59 | 3.64 | 3.53 | 3.50 | 3.22 | 2.97 | 3.39 | 3.00 |
| Shares Outstanding | 903.0 | 912.0 | 912.0 | 927.9 | 927.9 | 930.9 | 935.1 | 938.5 | 943.4 | 948.3 |
| Metric | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 10,313.0 | 9,031.0 | 7,575.0 | 8,442.0 | 11,063.0 | 6,996.0 | 7,293.0 | 8,588.0 | 6,890.0 | 6,170.0 |
| Short-Term Investments | 335.0 | 336.0 | 319.0 | 330.0 | 338.0 | 362.0 | 364.0 | 592.0 | 602.0 | 344.0 |
| Net Receivables | 4,247.0 | 4,184.0 | 3,965.0 | 3,773.0 | 4,014.0 | 4,195.0 | 4,231.0 | 4,060.0 | 3,925.0 | 3,763.0 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Other Current Assets | 8,328.0 | 8,589.0 | 7,945.0 | 7,179.0 | 6,885.0 | 6,227.0 | 6,536.0 | 5,721.0 | 5,542.0 | 6,188.0 |
| Total Current Assets | 23,223.0 | 22,140.0 | 19,804.0 | 19,724.0 | 22,300.0 | 17,780.0 | 18,424.0 | 18,961.0 | 16,983.0 | 16,530.0 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 2,299.0 | 2,225.0 | 2,171.0 | 2,138.0 | 2,176.0 | 2,148.0 | 2,077.0 | 2,061.0 | 1,972.0 | 1,986.0 |
| Goodwill | 9,574.0 | 9,598.0 | 9,352.0 | 9,193.0 | 7,721.0 | 7,563.0 | 7,545.0 | 7,660.0 | 7,488.0 | 7,579.0 |
| Intangible Assets | 5,591.0 | 5,629.0 | 5,533.0 | 5,453.0 | 4,235.0 | 4,149.0 | 4,123.0 | 4,086.0 | 4,022.0 | 4,049.0 |
| Long-Term Investments | 0.0 | 1,638.0 | 1,598.0 | 1,607.0 | 1,601.0 | 1,709.0 | 1,737.0 | 1,729.0 | 1,650.0 | 1,664.0 |
| Other Non-Current Assets | 11,056.0 | 8,631.0 | 8,437.0 | 8,352.0 | 7,592.0 | 7,561.0 | 7,367.0 | 6,596.0 | 6,189.0 | 6,075.0 |
| Total Non-Current Assets | 30,066.0 | 29,291.0 | 28,666.0 | 28,357.0 | 24,937.0 | 24,553.0 | 24,178.0 | 23,487.0 | 22,691.0 | 22,474.0 |
| Total Assets | 53,289.0 | 51,431.0 | 48,470.0 | 48,081.0 | 47,237.0 | 42,333.0 | 42,602.0 | 42,448.0 | 39,674.0 | 39,004.0 |
| Current Liabilities | ||||||||||
| Account Payables | 935.0 | 818.0 | 993.0 | 929.0 | 911.0 | 835.0 | 790.0 | 834.0 | 589.0 | 643.0 |
| Short-Term Debt | 0.0 | 0.0 | 0.0 | 750.0 | 750.0 | 1,086.0 | 2,086.0 | 1,337.0 | 1,337.0 | 1,336.0 |
| Deferred Revenue | 2,054.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Other Current Liabilities | 5,725.0 | 7,060.0 | 6,515.0 | 6,218.0 | 13,983.0 | 5,141.0 | 5,372.0 | 4,853.0 | 4,343.0 | 4,461.0 |
| Total Current Liabilities | 20,693.0 | 19,029.0 | 17,828.0 | 19,220.0 | 17,294.0 | 15,594.0 | 16,905.0 | 16,264.0 | 14,519.0 | 14,636.0 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 18,983.0 | 18,970.0 | 18,802.0 | 17,476.0 | 17,608.0 | 14,519.0 | 13,543.0 | 14,344.0 | 14,229.0 | 14,284.0 |
| Deferred Tax Liabilities | 326.0 | 361.0 | 315.0 | 317.0 | 349.0 | 337.0 | 345.0 | 369.0 | 385.0 | 395.0 |
| Other Non-Current Liabilities | 5,368.0 | 5,197.0 | 4,829.0 | 4,553.0 | 4,488.0 | 4,401.0 | 4,501.0 | 4,474.0 | 4,160.0 | 4,110.0 |
| Total Non-Current Liabilities | 24,677.0 | 24,528.0 | 23,946.0 | 22,346.0 | 22,445.0 | 19,257.0 | 18,389.0 | 19,187.0 | 18,774.0 | 18,789.0 |
| Total Liabilities | 45,370.0 | 43,557.0 | 41,774.0 | 41,566.0 | 39,739.0 | 34,851.0 | 35,294.0 | 35,451.0 | 33,293.0 | 33,425.0 |
| Stockholders' Equity | ||||||||||
| Common Stock | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Retained Earnings | 81,752.0 | 78,509.0 | 75,495.0 | 72,907.0 | 70,258.0 | 67,604.0 | 64,959.0 | 62,564.0 | 60,390.0 | 57,730.0 |
| Accumulated Other Comprehensive Income | (935.0) | (919.0) | (1,155.0) | (1,433.0) | (1,073.0) | (1,205.0) | (1,202.0) | (1,099.0) | (1,297.0) | (1,189.0) |
| Total Stockholders' Equity | 7,919.0 | 7,853.0 | 6,671.0 | 6,485.0 | 7,440.0 | 7,421.0 | 7,243.0 | 6,929.0 | 6,311.0 | 5,504.0 |
| Total Liabilities & Equity | 53,289.0 | 51,431.0 | 48,470.0 | 48,081.0 | 47,237.0 | 42,333.0 | 42,602.0 | 42,448.0 | 39,674.0 | 39,004.0 |
| Debt Metrics | ||||||||||
| Total Debt | 18,983.0 | 18,970.0 | 18,802.0 | 18,226.0 | 18,358.0 | 15,605.0 | 15,629.0 | 15,681.0 | 15,566.0 | 15,620.0 |
| Net Debt | 8,670.0 | 9,939.0 | 11,227.0 | 9,784.0 | 7,295.0 | 8,609.0 | 8,336.0 | 7,093.0 | 8,676.0 | 9,450.0 |
| Metric | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 3,927.0 | 3,701.0 | 3,280.0 | 3,342.0 | 3,263.0 | 3,258.0 | 3,011.0 | 2,791.0 | 3,198.0 | 2,845.0 |
| Depreciation & Amortization | 533.0 | 281.0 | 275.0 | 231.0 | 225.0 | 225.0 | 216.0 | 205.0 | 211.0 | 192.0 |
| Stock-Based Compensation | 177.0 | 179.0 | 129.0 | 108.0 | 155.0 | 155.0 | 108.0 | 86.0 | 131.0 | 135.0 |
| Change in Working Capital | (292.0) | (137.0) | (1,884.0) | 883.0 | 1,060.0 | (880.0) | (2,103.0) | (173.0) | 43.0 | (373.0) |
| Other Non-Cash Items | 1,322.0 | 535.0 | 543.0 | 536.0 | 601.0 | 476.0 | 437.0 | 1,218.0 | (87.0) | (254.0) |
| Operating Cash Flow | 5,663.0 | 4,603.0 | 2,380.0 | 4,834.0 | 5,136.0 | 3,138.0 | 1,672.0 | 4,130.0 | 3,233.0 | 2,698.0 |
| Investing Activities | ||||||||||
| Capital Expenditure | (178.0) | (209.0) | (357.0) | (250.0) | (270.0) | (296.0) | (378.0) | (77.0) | (104.0) | (80.0) |
| Acquisitions | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 12.0 | 286.0 | (16.0) |
| Purchases of Investments | (144.0) | (142.0) | (127.0) | (118.0) | (240.0) | (139.0) | (161.0) | (104.0) | (391.0) | (143.0) |
| Sales/Maturities of Investments | 124.0 | 137.0 | 141.0 | 203.0 | 258.0 | 130.0 | 373.0 | 92.0 | 105.0 | 159.0 |
| Other Investing Activities | (176.0) | (182.0) | (195.0) | (2,668.0) | (167.0) | (170.0) | (229.0) | (137.0) | (418.0) | (138.0) |
| Investing Cash Flow | (374.0) | (227.0) | (340.0) | (2,678.0) | (256.0) | (294.0) | (174.0) | (214.0) | (522.0) | (218.0) |
| Financing Activities | ||||||||||
| Net Debt Issuance | 0.0 | 0.0 | 492.0 | 0.0 | 2,641.0 | (17.0) | 0.0 | 0.0 | 4.0 | 61.0 |
| Stock Repurchased | 4,838.0 | (2,289.0) | (2,549.0) | (3,470.0) | (2,934.0) | (2,639.0) | (1,992.0) | (1,832.0) | (1,906.0) | (2,416.0) |
| Dividends Paid | (687.0) | (691.0) | (694.0) | (606.0) | (611.0) | (615.0) | (616.0) | (534.0) | (538.0) | (541.0) |
| Other Financing Activities | (8,151.0) | (26.0) | (236.0) | 35.0 | 47.0 | 14.0 | (73.0) | 24.0 | 36.0 | 117.0 |
| Financing Cash Flow | (4,000.0) | (3,006.0) | (2,987.0) | (4,041.0) | (857.0) | (3,257.0) | (2,681.0) | (2,350.0) | (2,404.0) | (2,779.0) |
| Cash Position | ||||||||||
| Net Change in Cash | 1,273.0 | 1,590.0 | (826.0) | (2,159.0) | 4,165.0 | (385.0) | (1,278.0) | 1,723.0 | 221.0 | (279.0) |
| Cash at Beginning | 11,572.0 | 9,982.0 | 10,808.0 | 12,967.0 | 8,802.0 | 9,187.0 | 10,465.0 | 8,742.0 | 8,521.0 | 8,800.0 |
| Cash at End | 12,845.0 | 11,572.0 | 9,982.0 | 10,808.0 | 12,967.0 | 8,802.0 | 9,187.0 | 10,465.0 | 8,742.0 | 8,521.0 |
| Free Cash Flow | 5,485.0 | 4,394.0 | 2,023.0 | 4,584.0 | 4,866.0 | 2,842.0 | 1,294.0 | 4,053.0 | 3,129.0 | 2,618.0 |
| Key Metrics | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | 8,602.0 | 8,133.0 | 7,250.0 | 7,489.0 | 7,369.0 | 6,961.0 | 6,348.0 | 6,548.0 | 6,533.0 | 6,269.0 |
| Gross Profit | 6,709.0 | 6,281.0 | 5,562.0 | 5,836.0 | 5,470.0 | 5,354.0 | 4,834.0 | 5,020.0 | 4,960.0 | 4,774.0 |
| Operating Income | 5,061.0 | 4,777.0 | 4,149.0 | 3,938.0 | 4,004.0 | 4,036.0 | 3,604.0 | 3,372.0 | 3,844.0 | 3,656.0 |
| Net Income | 3,927.0 | 3,701.0 | 3,280.0 | 3,342.0 | 3,263.0 | 3,258.0 | 3,011.0 | 2,791.0 | 3,198.0 | 2,845.0 |
| EPS (Diluted) | 4.34 | 4.05 | 3.59 | 3.64 | 3.53 | 3.50 | 3.22 | 2.97 | 3.39 | 3.00 |
| Balance Sheet | ||||||||||
| Cash & Equivalents | 10,313.0 | 9,031.0 | 7,575.0 | 8,442.0 | 11,063.0 | 6,996.0 | 7,293.0 | 8,588.0 | 6,890.0 | 6,170.0 |
| Total Assets | 53,289.0 | 51,431.0 | 48,470.0 | 48,081.0 | 47,237.0 | 42,333.0 | 42,602.0 | 42,448.0 | 39,674.0 | 39,004.0 |
| Total Debt | 18,983.0 | 18,970.0 | 18,802.0 | 18,226.0 | 18,358.0 | 15,605.0 | 15,629.0 | 15,681.0 | 15,566.0 | 15,620.0 |
| Stockholders' Equity | 7,919.0 | 7,853.0 | 6,671.0 | 6,485.0 | 7,440.0 | 7,421.0 | 7,243.0 | 6,929.0 | 6,311.0 | 5,504.0 |
| Cash Flow | ||||||||||
| Operating Cash Flow | 5,663.0 | 4,603.0 | 2,380.0 | 4,834.0 | 5,136.0 | 3,138.0 | 1,672.0 | 4,130.0 | 3,233.0 | 2,698.0 |
| Capital Expenditure | (178.0) | (209.0) | (357.0) | (250.0) | (270.0) | (296.0) | (378.0) | (77.0) | (104.0) | (80.0) |
| Free Cash Flow | 5,485.0 | 4,394.0 | 2,023.0 | 4,584.0 | 4,866.0 | 2,842.0 | 1,294.0 | 4,053.0 | 3,129.0 | 2,618.0 |