MASTERCARD INC - A (1MA.MI) Fundamental Analysis & Valuation

BIT:1MA • US57636Q1040

Current stock price

432.05 EUR
-7.15 (-1.63%)
Last:

This 1MA.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. 1MA.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1MA was profitable.
  • 1MA had a positive operating cash flow in the past year.
  • Each year in the past 5 years 1MA has been profitable.
  • In the past 5 years 1MA always reported a positive cash flow from operatings.
1MA.MI Yearly Net Income VS EBIT VS OCF VS FCF1MA.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

1.2 Ratios

  • 1MA's Return On Assets of 27.64% is amongst the best of the industry. 1MA outperforms 98.21% of its industry peers.
  • Looking at the Return On Equity, with a value of 193.46%, 1MA belongs to the top of the industry, outperforming 98.21% of the companies in the same industry.
  • 1MA's Return On Invested Capital of 51.15% is amongst the best of the industry. 1MA outperforms 98.21% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for 1MA is significantly above the industry average of 11.16%.
  • The last Return On Invested Capital (51.15%) for 1MA is above the 3 year average (48.09%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 27.64%
ROE 193.46%
ROIC 51.15%
ROA(3y)26.93%
ROA(5y)25.9%
ROE(3y)184.52%
ROE(5y)166%
ROIC(3y)48.09%
ROIC(5y)44.33%
1MA.MI Yearly ROA, ROE, ROIC1MA.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50 100 150

1.3 Margins

  • The Profit Margin of 1MA (45.65%) is better than 87.50% of its industry peers.
  • 1MA's Profit Margin has improved in the last couple of years.
  • 1MA has a Operating Margin of 59.37%. This is amongst the best in the industry. 1MA outperforms 89.29% of its industry peers.
  • 1MA's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 59.37%
PM (TTM) 45.65%
GM N/A
OM growth 3Y0.95%
OM growth 5Y2.09%
PM growth 3Y0.73%
PM growth 5Y1.73%
GM growth 3YN/A
GM growth 5YN/A
1MA.MI Yearly Profit, Operating, Gross Margins1MA.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. 1MA.MI Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 1MA is creating value.
  • Compared to 1 year ago, 1MA has less shares outstanding
  • Compared to 5 years ago, 1MA has less shares outstanding
  • The debt/assets ratio for 1MA has been reduced compared to a year ago.
1MA.MI Yearly Shares Outstanding1MA.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
1MA.MI Yearly Total Debt VS Total Assets1MA.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • 1MA has an Altman-Z score of 9.79. This indicates that 1MA is financially healthy and has little risk of bankruptcy at the moment.
  • 1MA's Altman-Z score of 9.79 is amongst the best of the industry. 1MA outperforms 96.43% of its industry peers.
  • 1MA has a debt to FCF ratio of 1.16. This is a very positive value and a sign of high solvency as it would only need 1.16 years to pay back of all of its debts.
  • The Debt to FCF ratio of 1MA (1.16) is better than 83.93% of its industry peers.
  • A Debt/Equity ratio of 2.36 is on the high side and indicates that 1MA has dependencies on debt financing.
  • 1MA has a Debt to Equity ratio of 2.36. This is in the lower half of the industry: 1MA underperforms 75.00% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for 1MA, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF 1.16
Altman-Z 9.79
ROIC/WACC5.85
WACC8.75%
1MA.MI Yearly LT Debt VS Equity VS FCF1MA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.3 Liquidity

  • 1MA has a Current Ratio of 1.03. This is a normal value and indicates that 1MA is financially healthy and should not expect problems in meeting its short term obligations.
  • 1MA has a Current ratio (1.03) which is comparable to the rest of the industry.
  • 1MA has a Quick Ratio of 1.03. This is a normal value and indicates that 1MA is financially healthy and should not expect problems in meeting its short term obligations.
  • 1MA has a Quick ratio of 1.03. This is comparable to the rest of the industry: 1MA outperforms 41.07% of its industry peers.
  • The current and quick ratio evaluation for 1MA is rather negative, while it does have excellent solvency and profitability. These ratios do not necessarly indicate liquidity issues and need to be evaluated against the specifics of the business.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
1MA.MI Yearly Current Assets VS Current Liabilites1MA.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. 1MA.MI Growth Analysis

3.1 Past

  • 1MA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.50%, which is quite good.
  • Measured over the past years, 1MA shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.49% on average per year.
  • 1MA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.42%.
  • Measured over the past years, 1MA shows a quite strong growth in Revenue. The Revenue has been growing by 16.47% on average per year.
EPS 1Y (TTM)16.5%
EPS 3Y16.91%
EPS 5Y21.49%
EPS Q2Q%24.61%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y13.82%
Revenue growth 5Y16.47%
Sales Q2Q%17.59%

3.2 Future

  • The Earnings Per Share is expected to grow by 15.18% on average over the next years. This is quite good.
  • Based on estimates for the next years, 1MA will show a quite strong growth in Revenue. The Revenue will grow by 11.48% on average per year.
EPS Next Y18.58%
EPS Next 2Y17.08%
EPS Next 3Y16.95%
EPS Next 5Y15.18%
Revenue Next Year12.92%
Revenue Next 2Y12.62%
Revenue Next 3Y12.51%
Revenue Next 5Y11.48%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
1MA.MI Yearly Revenue VS Estimates1MA.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B 40B 50B
1MA.MI Yearly EPS VS Estimates1MA.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10 20 30

More info and screens

Find the best growth stocksShow best growing peers

3

4. 1MA.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 29.45 indicates a quite expensive valuation of 1MA.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1MA is on the same level as its industry peers.
  • 1MA is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 24.84, which indicates a rather expensive current valuation of 1MA.
  • 62.50% of the companies in the same industry are cheaper than 1MA, based on the Price/Forward Earnings ratio.
  • 1MA's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.84.
Industry RankSector Rank
PE 29.45
Fwd PE 24.84
1MA.MI Price Earnings VS Forward Price Earnings1MA.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 1MA's Enterprise Value to EBITDA is on the same level as the industry average.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as 1MA.
Industry RankSector Rank
P/FCF 27.21
EV/EBITDA 22.07
1MA.MI Per share data1MA.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

  • 1MA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • 1MA has an outstanding profitability rating, which may justify a higher PE ratio.
  • 1MA's earnings are expected to grow with 16.95% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.59
PEG (5Y)1.37
EPS Next 2Y17.08%
EPS Next 3Y16.95%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. 1MA.MI Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.69%, 1MA is not a good candidate for dividend investing.
  • 1MA's Dividend Yield is comparable with the industry average which is at 2.54.
  • With a Dividend Yield of 0.69, 1MA pays less dividend than the S&P500 average, which is at 1.88.
Industry RankSector Rank
Dividend Yield 0.69%

5.2 History

  • On average, the dividend of 1MA grows each year by 13.71%, which is quite nice.
Dividend Growth(5Y)13.71%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 18.41% of the earnings are spent on dividend by 1MA. This is a low number and sustainable payout ratio.
  • The dividend of 1MA is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP18.41%
EPS Next 2Y17.08%
EPS Next 3Y16.95%
1MA.MI Yearly Income VS Free CF VS Dividend1MA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
1MA.MI Dividend Payout.1MA.MI Dividend Payout, showing the Payout Ratio.1MA.MI Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

1MA.MI Fundamentals: All Metrics, Ratios and Statistics

MASTERCARD INC - A

BIT:1MA (3/24/2026, 7:00:00 PM)

432.05

-7.15 (-1.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners90.86%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap385.31B
Revenue(TTM)32.79B
Net Income(TTM)14.97B
Analysts82.8
Price Target583.91 (35.15%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.69%
Yearly Dividend2.65
Dividend Growth(5Y)13.71%
DP18.41%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.62%
Min EPS beat(2)-1.55%
Max EPS beat(2)8.79%
EPS beat(4)3
Avg EPS beat(4)2.18%
Min EPS beat(4)-1.55%
Max EPS beat(4)8.79%
EPS beat(8)5
Avg EPS beat(8)1.07%
EPS beat(12)8
Avg EPS beat(12)0.89%
EPS beat(16)11
Avg EPS beat(16)2.57%
Revenue beat(2)0
Avg Revenue beat(2)-2.39%
Min Revenue beat(2)-2.63%
Max Revenue beat(2)-2.14%
Revenue beat(4)0
Avg Revenue beat(4)-1.69%
Min Revenue beat(4)-2.63%
Max Revenue beat(4)-0.87%
Revenue beat(8)0
Avg Revenue beat(8)-1.75%
Revenue beat(12)0
Avg Revenue beat(12)-1.77%
Revenue beat(16)2
Avg Revenue beat(16)-1.32%
PT rev (1m)3.36%
PT rev (3m)3.22%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)2.45%
EPS NY rev (1m)0.38%
EPS NY rev (3m)2.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.62%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)0.27%
Valuation
Industry RankSector Rank
PE 29.45
Fwd PE 24.84
P/S 13.64
P/FCF 27.21
P/OCF 25.34
P/B 57.79
P/tB N/A
EV/EBITDA 22.07
EPS(TTM)14.67
EY3.4%
EPS(NY)17.39
Fwd EY4.03%
FCF(TTM)15.88
FCFY3.68%
OCF(TTM)17.05
OCFY3.95%
SpS31.68
BVpS7.48
TBVpS-7.13
PEG (NY)1.59
PEG (5Y)1.37
Graham Number49.67
Profitability
Industry RankSector Rank
ROA 27.64%
ROE 193.46%
ROCE 62.01%
ROIC 51.15%
ROICexc 78.35%
ROICexgc 298.32%
OM 59.37%
PM (TTM) 45.65%
GM N/A
FCFM 50.11%
ROA(3y)26.93%
ROA(5y)25.9%
ROE(3y)184.52%
ROE(5y)166%
ROIC(3y)48.09%
ROIC(5y)44.33%
ROICexc(3y)72.29%
ROICexc(5y)65.83%
ROICexgc(3y)259.03%
ROICexgc(5y)223.97%
ROCE(3y)58.3%
ROCE(5y)53.74%
ROICexgc growth 3Y17.55%
ROICexgc growth 5Y14.35%
ROICexc growth 3Y8.26%
ROICexc growth 5Y5.25%
OM growth 3Y0.95%
OM growth 5Y2.09%
PM growth 3Y0.73%
PM growth 5Y1.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.61
Health
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF 1.16
Debt/EBITDA 0.89
Cap/Depr 106.3%
Cap/Sales 3.71%
Interest Coverage 250
Cash Conversion 85.62%
Profit Quality 109.79%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z 9.79
F-Score8
WACC8.75%
ROIC/WACC5.85
Cap/Depr(3y)125.19%
Cap/Depr(5y)126.79%
Cap/Sales(3y)4.09%
Cap/Sales(5y)4.3%
Profit Quality(3y)104.2%
Profit Quality(5y)102.77%
High Growth Momentum
Growth
EPS 1Y (TTM)16.5%
EPS 3Y16.91%
EPS 5Y21.49%
EPS Q2Q%24.61%
EPS Next Y18.58%
EPS Next 2Y17.08%
EPS Next 3Y16.95%
EPS Next 5Y15.18%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y13.82%
Revenue growth 5Y16.47%
Sales Q2Q%17.59%
Revenue Next Year12.92%
Revenue Next 2Y12.62%
Revenue Next 3Y12.51%
Revenue Next 5Y11.48%
EBIT growth 1Y17.87%
EBIT growth 3Y14.9%
EBIT growth 5Y18.9%
EBIT Next Year20%
EBIT Next 3Y15.39%
EBIT Next 5Y12.77%
FCF growth 1Y20.96%
FCF growth 3Y17.62%
FCF growth 5Y20.32%
OCF growth 1Y19.4%
OCF growth 3Y16.38%
OCF growth 5Y19.56%

MASTERCARD INC - A / 1MA.MI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of MASTERCARD INC - A (1MA.MI) stock?

ChartMill assigns a fundamental rating of 7 / 10 to 1MA.MI.


What is the valuation status for 1MA stock?

ChartMill assigns a valuation rating of 3 / 10 to MASTERCARD INC - A (1MA.MI). This can be considered as Overvalued.


Can you provide the profitability details for MASTERCARD INC - A?

MASTERCARD INC - A (1MA.MI) has a profitability rating of 8 / 10.


What are the PE and PB ratios of MASTERCARD INC - A (1MA.MI) stock?

The Price/Earnings (PE) ratio for MASTERCARD INC - A (1MA.MI) is 29.45 and the Price/Book (PB) ratio is 57.79.


How financially healthy is MASTERCARD INC - A?

The financial health rating of MASTERCARD INC - A (1MA.MI) is 9 / 10.