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

BIT:1MA • US57636Q1040

Current stock price

442.8 EUR
+4.6 (+1.05%)
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.
  • In the past 5 years 1MA has always been profitable.
  • 1MA had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of 1MA (27.64%) is better than 98.25% of its industry peers.
  • The Return On Equity of 1MA (193.46%) is better than 98.25% of its industry peers.
  • 1MA has a Return On Invested Capital of 51.15%. This is amongst the best in the industry. 1MA outperforms 98.25% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for 1MA is significantly above the industry average of 9.16%.
  • The 3 year average ROIC (48.09%) for 1MA is below the current ROIC(51.15%), indicating increased profibility in the last year.
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

  • Looking at the Profit Margin, with a value of 45.65%, 1MA belongs to the top of the industry, outperforming 85.96% of the companies in the same industry.
  • 1MA's Profit Margin has improved in the last couple of years.
  • 1MA has a better Operating Margin (59.37%) than 91.23% 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

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8

2. 1MA.MI Health Analysis

2.1 Basic Checks

  • 1MA has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • The number of shares outstanding for 1MA has been reduced compared to 1 year ago.
  • The number of shares outstanding for 1MA has been reduced compared to 5 years ago.
  • 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 9.99. This indicates that 1MA is financially healthy and has little risk of bankruptcy at the moment.
  • The Altman-Z score of 1MA (9.99) is better than 94.74% of its industry peers.
  • The Debt to FCF ratio of 1MA is 1.16, which is an excellent value as it means it would take 1MA, only 1.16 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 1.16, 1MA belongs to the best of the industry, outperforming 84.21% of the companies in the same industry.
  • A Debt/Equity ratio of 2.36 is on the high side and indicates that 1MA has dependencies on debt financing.
  • 1MA has a worse Debt to Equity ratio (2.36) than 73.68% of its industry peers.
  • Although 1MA's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF 1.16
Altman-Z 9.99
ROIC/WACC5.86
WACC8.73%
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.
  • Looking at the Current ratio, with a value of 1.03, 1MA is doing worse than 63.16% of the companies in the same 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 worse Quick ratio (1.03) than 61.40% 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

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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.
  • Looking at the last year, 1MA shows a quite strong growth in Revenue. The Revenue has grown by 16.42% in the last year.
  • 1MA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.47% yearly.
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

  • Based on estimates for the next years, 1MA will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.18% on average per year.
  • Based on estimates for the next years, 1MA will show a quite strong growth in Revenue. The Revenue will grow by 12.15% on average per year.
EPS Next Y18.61%
EPS Next 2Y17.14%
EPS Next 3Y16.96%
EPS Next 5Y15.18%
Revenue Next Year12.9%
Revenue Next 2Y12.62%
Revenue Next 3Y12.52%
Revenue Next 5Y12.15%

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.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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

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3

4. 1MA.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 30.47, the valuation of 1MA can be described as expensive.
  • Based on the Price/Earnings ratio, 1MA is valued a bit more expensive than the industry average as 61.40% of the companies are valued more cheaply.
  • 1MA is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 25.69 indicates a quite expensive valuation of 1MA.
  • Based on the Price/Forward Earnings ratio, 1MA is valued a bit more expensive than the industry average as 64.91% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.68, 1MA is valued at the same level.
Industry RankSector Rank
PE 30.47
Fwd PE 25.69
1MA.MI Price Earnings VS Forward Price Earnings1MA.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1MA is on the same level as its industry peers.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as 1MA.
Industry RankSector Rank
P/FCF 28.14
EV/EBITDA 22.82
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

  • The 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.
  • A more expensive valuation may be justified as 1MA's earnings are expected to grow with 16.96% in the coming years.
PEG (NY)1.64
PEG (5Y)1.42
EPS Next 2Y17.14%
EPS Next 3Y16.96%

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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 2.39.
  • With a Dividend Yield of 0.69, 1MA pays less dividend than the S&P500 average, which is at 1.82.
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

  • 1MA pays out 18.41% of its income as dividend. This is a 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 2Y17.14%
EPS Next 3Y16.96%
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

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

MASTERCARD INC - A

BIT:1MA (4/17/2026, 7:00:00 PM)

442.8

+4.6 (+1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength31.06
Industry Growth78.26
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners91.01%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap394.89B
Revenue(TTM)32.79B
Net Income(TTM)14.97B
Analysts83.33
Price Target568.7 (28.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.69%
Yearly Dividend2.6
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)-2.61%
PT rev (3m)-1.33%
EPS NQ rev (1m)0.32%
EPS NQ rev (3m)2.91%
EPS NY rev (1m)0.02%
EPS NY rev (3m)2.33%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)-0.56%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)0.3%
Valuation
Industry RankSector Rank
PE 30.47
Fwd PE 25.69
P/S 14.1
P/FCF 28.14
P/OCF 26.21
P/B 59.78
P/tB N/A
EV/EBITDA 22.82
EPS(TTM)14.53
EY3.28%
EPS(NY)17.24
Fwd EY3.89%
FCF(TTM)15.73
FCFY3.55%
OCF(TTM)16.9
OCFY3.82%
SpS31.39
BVpS7.41
TBVpS-7.06
PEG (NY)1.64
PEG (5Y)1.42
Graham Number49.2106 (-88.89%)
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 9.99
F-Score8
WACC8.73%
ROIC/WACC5.86
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 Y18.61%
EPS Next 2Y17.14%
EPS Next 3Y16.96%
EPS Next 5Y15.18%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y13.82%
Revenue growth 5Y16.47%
Sales Q2Q%17.59%
Revenue Next Year12.9%
Revenue Next 2Y12.62%
Revenue Next 3Y12.52%
Revenue Next 5Y12.15%
EBIT growth 1Y17.87%
EBIT growth 3Y14.9%
EBIT growth 5Y18.9%
EBIT Next Year21.13%
EBIT Next 3Y15.4%
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 30.47 and the Price/Book (PB) ratio is 59.78.


How financially healthy is MASTERCARD INC - A?

The financial health rating of MASTERCARD INC - A (1MA.MI) is 8 / 10.