MASTERCARD INC - A (M4I.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:M4I • US57636Q1040
452.15 EUR
-4.3 (-0.94%)
Last: Feb 11, 2026, 07:00 PM
M4I gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 59 industry peers in the Financial Services industry. M4I gets an excellent profitability rating and is at the same time showing great financial health properties. M4I is valued quite expensive, but it does show an excellent growth. This makes M4I very considerable for growth and quality investing!
1. Profitability
1.1 Basic Checks
- In the past year M4I was profitable.
- M4I had a positive operating cash flow in the past year.
- In the past 5 years M4I has always been profitable.
- In the past 5 years M4I always reported a positive cash flow from operatings.
1.2 Ratios
- M4I's Return On Assets of 27.64% is amongst the best of the industry. M4I outperforms 100.00% of its industry peers.
- M4I has a better Return On Equity (193.46%) than 100.00% of its industry peers.
- With an excellent Return On Invested Capital value of 51.15%, M4I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
- M4I had an Average Return On Invested Capital over the past 3 years of 48.09%. This is significantly above the industry average of 9.72%.
- The 3 year average ROIC (48.09%) for M4I is below the current ROIC(51.15%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- With an excellent Profit Margin value of 45.65%, M4I belongs to the best of the industry, outperforming 91.53% of the companies in the same industry.
- M4I's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 59.37%, M4I belongs to the top of the industry, outperforming 91.53% of the companies in the same industry.
- M4I's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), M4I is creating value.
- M4I has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, M4I has less shares outstanding
- The debt/assets ratio for M4I has been reduced compared to a year ago.
2.2 Solvency
- M4I has an Altman-Z score of 10.31. This indicates that M4I is financially healthy and has little risk of bankruptcy at the moment.
- M4I has a better Altman-Z score (10.31) than 94.92% of its industry peers.
- The Debt to FCF ratio of M4I is 1.16, which is an excellent value as it means it would take M4I, only 1.16 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.16, M4I belongs to the top of the industry, outperforming 86.44% of the companies in the same industry.
- M4I has a Debt/Equity ratio of 2.36. This is a high value indicating a heavy dependency on external financing.
- M4I's Debt to Equity ratio of 2.36 is on the low side compared to the rest of the industry. M4I is outperformed by 72.88% of its industry peers.
- Even though the debt/equity ratio score it not favorable for M4I, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.36 | ||
| Debt/FCF | 1.16 | ||
| Altman-Z | 10.31 |
ROIC/WACC5.95
WACC8.59%
2.3 Liquidity
- M4I has a Current Ratio of 1.03. This is a normal value and indicates that M4I is financially healthy and should not expect problems in meeting its short term obligations.
- M4I's Current ratio of 1.03 is on the low side compared to the rest of the industry. M4I is outperformed by 62.71% of its industry peers.
- A Quick Ratio of 1.03 indicates that M4I should not have too much problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 1.03, M4I is doing worse than 62.71% of the companies in the same industry.
- M4I does not score too well on the current and quick ratio evaluation. However, as it has excellent solvency and profitability, these ratios do not necessarly indicate liquidity issues and need to be evaluated against the specifics of the business.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 16.50% over the past year.
- The Earnings Per Share has been growing by 21.49% on average over the past years. This is a very strong growth
- M4I shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.42%.
- Measured over the past years, M4I 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
- M4I is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.04% yearly.
- M4I is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.45% 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 5Y10.45%
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 31.60, M4I can be considered very expensive at the moment.
- M4I's Price/Earnings is on the same level as the industry average.
- M4I is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.23, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 26.75, the valuation of M4I can be described as expensive.
- Based on the Price/Forward Earnings ratio, M4I is valued a bit more expensive than 62.71% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, M4I is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.6 | ||
| Fwd PE | 26.75 |
4.2 Price Multiples
- M4I's Enterprise Value to EBITDA is on the same level as the industry average.
- M4I's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.39 | ||
| EV/EBITDA | 24.03 |
4.3 Compensation for Growth
- M4I's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- The excellent profitability rating of M4I may justify a higher PE ratio.
- A more expensive valuation may be justified as M4I's earnings are expected to grow with 16.92% in the coming years.
PEG (NY)1.74
PEG (5Y)1.47
EPS Next 2Y16.98%
EPS Next 3Y16.92%
5. Dividend
5.1 Amount
- M4I has a yearly dividend return of 0.63%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.15, M4I has a dividend in line with its industry peers.
- With a Dividend Yield of 0.63, M4I pays less dividend than the S&P500 average, which is at 1.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.63% |
5.2 History
- The dividend of M4I is nicely growing with an annual growth rate of 13.71%!
Dividend Growth(5Y)13.71%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
- M4I pays out 18.41% of its income as dividend. This is a sustainable payout ratio.
- M4I's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP18.41%
EPS Next 2Y16.98%
EPS Next 3Y16.92%
FRA:M4I (2/11/2026, 7:00:00 PM)
452.15
-4.3 (-0.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29 2026-01-29/bmo
Earnings (Next)04-29 2026-04-29/bmo
Inst Owners90.75%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap406.03B
Revenue(TTM)32.79B
Net Income(TTM)14.97B
Analysts81.22
Price Target563.6 (24.65%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.63% |
Yearly Dividend2.58
Dividend Growth(5Y)13.71%
DP18.41%
Div Incr Years6
Div Non Decr Years6
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)-0.51%
PT rev (3m)-1.16%
EPS NQ rev (1m)2.31%
EPS NQ rev (3m)2.31%
EPS NY rev (1m)1.95%
EPS NY rev (3m)2.16%
Revenue NQ rev (1m)-0.42%
Revenue NQ rev (3m)-0.33%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.6 | ||
| Fwd PE | 26.75 | ||
| P/S | 14.73 | ||
| P/FCF | 29.39 | ||
| P/OCF | 27.36 | ||
| P/B | 62.42 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.03 |
EPS(TTM)14.31
EY3.16%
EPS(NY)16.9
Fwd EY3.74%
FCF(TTM)15.39
FCFY3.4%
OCF(TTM)16.52
OCFY3.65%
SpS30.7
BVpS7.24
TBVpS-6.91
PEG (NY)1.74
PEG (5Y)1.47
Graham Number48.29
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 10.31 |
F-Score8
WACC8.59%
ROIC/WACC5.95
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 5Y10.45%
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 / M4I.DE FAQ
What is the ChartMill fundamental rating of MASTERCARD INC - A (M4I.DE) stock?
ChartMill assigns a fundamental rating of 7 / 10 to M4I.DE.
Can you provide the valuation status for MASTERCARD INC - A?
ChartMill assigns a valuation rating of 3 / 10 to MASTERCARD INC - A (M4I.DE). This can be considered as Overvalued.
How profitable is MASTERCARD INC - A (M4I.DE) stock?
MASTERCARD INC - A (M4I.DE) has a profitability rating of 8 / 10.
What is the financial health of MASTERCARD INC - A (M4I.DE) stock?
The financial health rating of MASTERCARD INC - A (M4I.DE) is 8 / 10.
Can you provide the dividend sustainability for M4I stock?
The dividend rating of MASTERCARD INC - A (M4I.DE) is 4 / 10 and the dividend payout ratio is 18.41%.