MASTERCARD INC - A (1MA.MI) Stock Fundamental Analysis
Europe - BIT:1MA - US57636Q1040 - Common Stock
482.75 EUR
-7.8 (-1.59%)
1MA gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 50 industry peers in the Financial Services industry. 1MA has an excellent profitability rating, but there are some minor concerns on its financial health. 1MA is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
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.
Each year in the past 5 years 1MA had a positive operating cash flow.
1.2 Ratios
1MA has a Return On Assets of 26.42%. This is amongst the best in the industry. 1MA outperforms 98.00% of its industry peers.
The Return On Equity of 1MA (173.00%) is better than 98.00% of its industry peers.
The Return On Invested Capital of 1MA (45.82%) is better than 98.00% 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 9.85%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 26.42% | ||
| ROE | 173% | ||
| ROIC | 45.82% |
ROA(3y)26.26%
ROA(5y)24.19%
ROE(3y)172.59%
ROE(5y)147.38%
ROIC(3y)45.83%
ROIC(5y)40.7%
1.3 Margins
Looking at the Profit Margin, with a value of 44.93%, 1MA belongs to the top of the industry, outperforming 92.00% of the companies in the same industry.
1MA's Profit Margin has been stable in the last couple of years.
1MA has a Operating Margin of 58.98%. This is amongst the best in the industry. 1MA outperforms 90.00% of its industry peers.
In the last couple of years the Operating Margin of 1MA has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 58.98% | ||
| PM (TTM) | 44.93% | ||
| GM | N/A |
OM growth 3Y2.69%
OM growth 5Y0.34%
PM growth 3Y-0.21%
PM growth 5Y-1.01%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 1MA is creating value.
The number of shares outstanding for 1MA has been reduced compared to 1 year ago.
Compared to 5 years ago, 1MA has less shares outstanding
The debt/assets ratio for 1MA is higher compared to a year ago.
2.2 Solvency
1MA has an Altman-Z score of 10.85. This indicates that 1MA is financially healthy and has little risk of bankruptcy at the moment.
1MA's Altman-Z score of 10.85 is amongst the best of the industry. 1MA outperforms 96.00% of its industry peers.
The Debt to FCF ratio of 1MA is 1.20, which is an excellent value as it means it would take 1MA, only 1.20 years of fcf income to pay off all of its debts.
1MA's Debt to FCF ratio of 1.20 is fine compared to the rest of the industry. 1MA outperforms 80.00% of its industry peers.
A Debt/Equity ratio of 2.42 is on the high side and indicates that 1MA has dependencies on debt financing.
1MA's Debt to Equity ratio of 2.42 is on the low side compared to the rest of the industry. 1MA is outperformed by 76.00% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.42 | ||
| Debt/FCF | 1.2 | ||
| Altman-Z | 10.85 |
ROIC/WACC5.36
WACC8.55%
2.3 Liquidity
A Current Ratio of 1.16 indicates that 1MA should not have too much problems paying its short term obligations.
1MA has a worse Current ratio (1.16) than 60.00% of its industry peers.
A Quick Ratio of 1.16 indicates that 1MA should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.16, 1MA is in line with its industry, outperforming 42.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.16 | ||
| Quick Ratio | 1.16 |
3. Growth
3.1 Past
1MA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.74%, which is quite good.
Measured over the past years, 1MA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.43% on average per year.
1MA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.59%.
Measured over the past years, 1MA shows a quite strong growth in Revenue. The Revenue has been growing by 10.78% on average per year.
EPS 1Y (TTM)15.74%
EPS 3Y20.21%
EPS 5Y13.43%
EPS Q2Q%15.6%
Revenue 1Y (TTM)14.59%
Revenue growth 3Y14.26%
Revenue growth 5Y10.78%
Sales Q2Q%16.84%
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 15.33% 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 11.67% on average per year.
EPS Next Y15.38%
EPS Next 2Y15.74%
EPS Next 3Y15.99%
EPS Next 5Y15.33%
Revenue Next Year16.11%
Revenue Next 2Y14.08%
Revenue Next 3Y13.33%
Revenue Next 5Y11.67%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 35.57, 1MA can be considered very expensive at the moment.
1MA's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of 1MA to the average of the S&P500 Index (26.03), we can say 1MA is valued slightly more expensively.
Based on the Price/Forward Earnings ratio of 28.34, the valuation of 1MA can be described as expensive.
Based on the Price/Forward Earnings ratio, 1MA is valued a bit more expensive than the industry average as 62.00% of the companies are valued more cheaply.
1MA is valuated rather expensively when we compare the Price/Forward Earnings ratio to 22.27, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.57 | ||
| Fwd PE | 28.34 |
4.2 Price Multiples
1MA's Enterprise Value to EBITDA is on the same level as the industry average.
1MA's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.61 | ||
| EV/EBITDA | 27.1 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
1MA has a very decent profitability rating, which may justify a higher PE ratio.
1MA's earnings are expected to grow with 15.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.31
PEG (5Y)2.65
EPS Next 2Y15.74%
EPS Next 3Y15.99%
5. Dividend
5.1 Amount
1MA has a yearly dividend return of 0.54%, which is pretty low.
1MA's Dividend Yield is comparable with the industry average which is at 3.30.
Compared to an average S&P500 Dividend Yield of 2.38, 1MA's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.54% |
5.2 History
The dividend of 1MA is nicely growing with an annual growth rate of 14.95%!
Dividend Growth(5Y)14.95%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
19.15% of the earnings are spent on dividend by 1MA. This is a low number and sustainable payout ratio.
1MA's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP19.15%
EPS Next 2Y15.74%
EPS Next 3Y15.99%
BIT:1MA (10/30/2025, 7:00:00 PM)
482.75
-7.8 (-1.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.32%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap436.41B
Revenue(TTM)30.24B
Net Income(TTM)13.59B
Analysts79.57
Price Target561.52 (16.32%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.54% |
Yearly Dividend2.29
Dividend Growth(5Y)14.95%
DP19.15%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.75%
Min EPS beat(2)0.08%
Max EPS beat(2)1.41%
EPS beat(4)4
Avg EPS beat(4)0.71%
Min EPS beat(4)0.08%
Max EPS beat(4)1.41%
EPS beat(8)6
Avg EPS beat(8)0.5%
EPS beat(12)8
Avg EPS beat(12)0.4%
EPS beat(16)12
Avg EPS beat(16)2.62%
Revenue beat(2)0
Avg Revenue beat(2)-1%
Min Revenue beat(2)-1.13%
Max Revenue beat(2)-0.87%
Revenue beat(4)0
Avg Revenue beat(4)-1.28%
Min Revenue beat(4)-1.59%
Max Revenue beat(4)-0.87%
Revenue beat(8)0
Avg Revenue beat(8)-1.73%
Revenue beat(12)0
Avg Revenue beat(12)-1.66%
Revenue beat(16)2
Avg Revenue beat(16)-1.28%
PT rev (1m)2.02%
PT rev (3m)-2.11%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)5.29%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)2.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.31%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)2.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.57 | ||
| Fwd PE | 28.34 | ||
| P/S | 16.58 | ||
| P/FCF | 31.61 | ||
| P/OCF | 29.58 | ||
| P/B | 63.86 | ||
| P/tB | N/A | ||
| EV/EBITDA | 27.1 |
EPS(TTM)13.57
EY2.81%
EPS(NY)17.03
Fwd EY3.53%
FCF(TTM)15.27
FCFY3.16%
OCF(TTM)16.32
OCFY3.38%
SpS29.11
BVpS7.56
TBVpS-7.1
PEG (NY)2.31
PEG (5Y)2.65
Graham Number48.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 26.42% | ||
| ROE | 173% | ||
| ROCE | 55.04% | ||
| ROIC | 45.82% | ||
| ROICexc | 64.45% | ||
| ROICexgc | 190.14% | ||
| OM | 58.98% | ||
| PM (TTM) | 44.93% | ||
| GM | N/A | ||
| FCFM | 52.47% |
ROA(3y)26.26%
ROA(5y)24.19%
ROE(3y)172.59%
ROE(5y)147.38%
ROIC(3y)45.83%
ROIC(5y)40.7%
ROICexc(3y)67.38%
ROICexc(5y)62.88%
ROICexgc(3y)222.96%
ROICexgc(5y)196.71%
ROCE(3y)55.06%
ROCE(5y)48.9%
ROICexgc growth 3Y16.14%
ROICexgc growth 5Y5.63%
ROICexc growth 3Y10.13%
ROICexc growth 5Y-4%
OM growth 3Y2.69%
OM growth 5Y0.34%
PM growth 3Y-0.21%
PM growth 5Y-1.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.59
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.42 | ||
| Debt/FCF | 1.2 | ||
| Debt/EBITDA | 1.01 | ||
| Cap/Depr | 107.31% | ||
| Cap/Sales | 3.59% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 89.95% | ||
| Profit Quality | 116.79% | ||
| Current Ratio | 1.16 | ||
| Quick Ratio | 1.16 | ||
| Altman-Z | 10.85 |
F-Score5
WACC8.55%
ROIC/WACC5.36
Cap/Depr(3y)138.52%
Cap/Depr(5y)129.95%
Cap/Sales(3y)4.5%
Cap/Sales(5y)4.49%
Profit Quality(3y)101.51%
Profit Quality(5y)101.14%
High Growth Momentum
Growth
EPS 1Y (TTM)15.74%
EPS 3Y20.21%
EPS 5Y13.43%
EPS Q2Q%15.6%
EPS Next Y15.38%
EPS Next 2Y15.74%
EPS Next 3Y15.99%
EPS Next 5Y15.33%
Revenue 1Y (TTM)14.59%
Revenue growth 3Y14.26%
Revenue growth 5Y10.78%
Sales Q2Q%16.84%
Revenue Next Year16.11%
Revenue Next 2Y14.08%
Revenue Next 3Y13.33%
Revenue Next 5Y11.67%
EBIT growth 1Y15.33%
EBIT growth 3Y17.33%
EBIT growth 5Y11.15%
EBIT Next Year23.18%
EBIT Next 3Y16.18%
EBIT Next 5Y13.75%
FCF growth 1Y52.98%
FCF growth 3Y16.25%
FCF growth 5Y12.75%
OCF growth 1Y46.49%
OCF growth 3Y16.02%
OCF growth 5Y12.55%
MASTERCARD INC - A / 1MA.MI FAQ
What is the ChartMill fundamental rating of MASTERCARD INC - A (1MA.MI) stock?
ChartMill assigns a fundamental rating of 6 / 10 to 1MA.MI.
Can you provide the valuation status for MASTERCARD INC - A?
ChartMill assigns a valuation rating of 2 / 10 to MASTERCARD INC - A (1MA.MI). This can be considered as Overvalued.
How profitable is MASTERCARD INC - A (1MA.MI) stock?
MASTERCARD INC - A (1MA.MI) has a profitability rating of 7 / 10.
Can you provide the PE and PB ratios for 1MA stock?
The Price/Earnings (PE) ratio for MASTERCARD INC - A (1MA.MI) is 35.57 and the Price/Book (PB) ratio is 63.86.
What is the expected EPS growth for MASTERCARD INC - A (1MA.MI) stock?
The Earnings per Share (EPS) of MASTERCARD INC - A (1MA.MI) is expected to grow by 15.38% in the next year.