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

BIT:1MA • US57636Q1040

Current stock price

435.2 EUR
-1.85 (-0.42%)
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

  • 1MA had positive earnings in the past year.
  • In the past year 1MA had a positive cash flow from operations.
  • 1MA had positive earnings in each of the past 5 years.
  • 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 has a Return On Assets of 27.64%. This is amongst the best in the industry. 1MA outperforms 98.28% of its industry peers.
  • The Return On Equity of 1MA (193.46%) is better than 98.28% of its industry peers.
  • 1MA has a better Return On Invested Capital (51.15%) than 98.28% 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 10.33%.
  • 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

  • 1MA's Profit Margin of 45.65% is amongst the best of the industry. 1MA outperforms 89.66% of its industry peers.
  • 1MA's Profit Margin has improved in the last couple of years.
  • 1MA's Operating Margin of 59.37% is amongst the best of the industry. 1MA outperforms 89.66% of its industry peers.
  • In the last couple of years the Operating Margin of 1MA has grown nicely.
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.
  • 1MA has less shares outstanding than it did 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 9.81. This indicates that 1MA is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 9.81, 1MA belongs to the top of the industry, outperforming 96.55% of the companies in the same industry.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 1.16, 1MA belongs to the top of the industry, outperforming 84.48% 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 Debt to Equity ratio of 2.36. This is in the lower half of the industry: 1MA underperforms 72.41% 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 9.81
ROIC/WACC5.88
WACC8.7%
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 of 1.03. This is in the lower half of the industry: 1MA underperforms 65.52% of its industry peers.
  • 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 65.52% 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.
  • The Earnings Per Share has been growing by 21.49% on average over the past years. This is a very strong growth
  • 1MA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.42%.
  • 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

  • 1MA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.04% yearly.
  • 1MA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.48% yearly.
EPS Next Y18.13%
EPS Next 2Y16.98%
EPS Next 3Y16.92%
EPS Next 5Y15.04%
Revenue Next Year12.81%
Revenue Next 2Y12.48%
Revenue Next 3Y12.47%
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.
  • 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 5 10 15 20 25

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3

4. 1MA.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 29.53, 1MA can be considered very expensive at the moment.
  • The rest of the industry has a similar Price/Earnings ratio as 1MA.
  • Compared to an average S&P500 Price/Earnings ratio of 25.70, 1MA is valued at the same level.
  • A Price/Forward Earnings ratio of 24.99 indicates a rather expensive valuation of 1MA.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1MA indicates a slightly more expensive valuation: 1MA is more expensive than 62.07% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, 1MA is valued at the same level.
Industry RankSector Rank
PE 29.53
Fwd PE 24.99
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

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1MA.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1MA is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 27.34
EV/EBITDA 22.17
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.
  • The excellent profitability rating of 1MA may justify a higher PE ratio.
  • 1MA's earnings are expected to grow with 16.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.63
PEG (5Y)1.37
EPS Next 2Y16.98%
EPS Next 3Y16.92%

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

4

5. 1MA.MI Dividend Analysis

5.1 Amount

  • 1MA has a yearly dividend return of 0.66%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.38, 1MA has a dividend in line with its industry peers.
  • With a Dividend Yield of 0.66, 1MA pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.66%

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 2Y16.98%
EPS Next 3Y16.92%
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 (3/12/2026, 7:00:00 PM)

435.2

-1.85 (-0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-29
Inst Owners90.75%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap389.07B
Revenue(TTM)32.79B
Net Income(TTM)14.97B
Analysts82
Price Target564.93 (29.81%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.66%
Yearly Dividend2.57
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)-1.98%
PT rev (3m)-1.16%
EPS NQ rev (1m)2.67%
EPS NQ rev (3m)2.54%
EPS NY rev (1m)1.92%
EPS NY rev (3m)2.16%
Revenue NQ rev (1m)-0.61%
Revenue NQ rev (3m)-0.53%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)0.42%
Valuation
Industry RankSector Rank
PE 29.53
Fwd PE 24.99
P/S 13.7
P/FCF 27.34
P/OCF 25.46
P/B 58.07
P/tB N/A
EV/EBITDA 22.17
EPS(TTM)14.74
EY3.39%
EPS(NY)17.41
Fwd EY4%
FCF(TTM)15.92
FCFY3.66%
OCF(TTM)17.1
OCFY3.93%
SpS31.76
BVpS7.49
TBVpS-7.15
PEG (NY)1.63
PEG (5Y)1.37
Graham Number49.86
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 9.81
F-Score8
WACC8.7%
ROIC/WACC5.88
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 Y18.13%
EPS Next 2Y16.98%
EPS Next 3Y16.92%
EPS Next 5Y15.04%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y13.82%
Revenue growth 5Y16.47%
Sales Q2Q%17.59%
Revenue Next Year12.81%
Revenue Next 2Y12.48%
Revenue Next 3Y12.47%
Revenue Next 5Y11.48%
EBIT growth 1Y17.87%
EBIT growth 3Y14.9%
EBIT growth 5Y18.9%
EBIT Next Year19.27%
EBIT Next 3Y12.48%
EBIT Next 5Y12.72%
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 of MASTERCARD INC - A (1MA.MI) stock?

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


What is the profitability of 1MA stock?

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


What is the earnings growth outlook for MASTERCARD INC - A?

The Earnings per Share (EPS) of MASTERCARD INC - A (1MA.MI) is expected to grow by 18.13% in the next year.


How sustainable is the dividend of MASTERCARD INC - A (1MA.MI) stock?

The dividend rating of MASTERCARD INC - A (1MA.MI) is 4 / 10 and the dividend payout ratio is 18.41%.