MASTERCARD INC - A (M4I.DE) Fundamental Analysis & Valuation

FRA:M4I • US57636Q1040

Current stock price

437.3 EUR
-1.7 (-0.39%)
Last:

This M4I.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. M4I.DE Profitability Analysis

1.1 Basic Checks

  • In the past year M4I was profitable.
  • In the past year M4I had a positive cash flow from operations.
  • In the past 5 years M4I has always been profitable.
  • M4I had a positive operating cash flow in each of the past 5 years.
M4I.DE Yearly Net Income VS EBIT VS OCF VS FCFM4I.DE 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 M4I (27.64%) is better than 100.00% of its industry peers.
  • M4I's Return On Equity of 193.46% is amongst the best of the industry. M4I outperforms 100.00% of its industry peers.
  • M4I has a better Return On Invested Capital (51.15%) than 100.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for M4I is significantly above the industry average of 10.55%.
  • The last Return On Invested Capital (51.15%) for M4I 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%
M4I.DE Yearly ROA, ROE, ROICM4I.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50 100 150

1.3 Margins

  • With an excellent Profit Margin value of 45.65%, M4I belongs to the best of the industry, outperforming 89.47% of the companies in the same industry.
  • In the last couple of years the Profit Margin of M4I has grown nicely.
  • With an excellent Operating Margin value of 59.37%, M4I belongs to the best of the industry, outperforming 92.98% of the companies in the same industry.
  • In the last couple of years the Operating Margin of M4I 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
M4I.DE Yearly Profit, Operating, Gross MarginsM4I.DE 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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9

2. M4I.DE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so M4I is creating value.
  • Compared to 1 year ago, M4I has less shares outstanding
  • The number of shares outstanding for M4I has been reduced compared to 5 years ago.
  • M4I has a better debt/assets ratio than last year.
M4I.DE Yearly Shares OutstandingM4I.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
M4I.DE Yearly Total Debt VS Total AssetsM4I.DE 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

  • An Altman-Z score of 9.94 indicates that M4I is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of M4I (9.94) is better than 92.98% 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 85.96% of the companies in the same industry.
  • A Debt/Equity ratio of 2.36 is on the high side and indicates that M4I has dependencies on debt financing.
  • M4I has a worse Debt to Equity ratio (2.36) than 71.93% of its industry peers.
  • Although M4I'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 9.94
ROIC/WACC5.89
WACC8.68%
M4I.DE Yearly LT Debt VS Equity VS FCFM4I.DE 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

  • A Current Ratio of 1.03 indicates that M4I should not have too much problems paying its short term obligations.
  • M4I's Current ratio of 1.03 is in line compared to the rest of the industry. M4I outperforms 40.35% of its industry peers.
  • A Quick Ratio of 1.03 indicates that M4I should not have too much problems paying its short term obligations.
  • M4I has a Quick ratio (1.03) which is comparable to the rest of the 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 RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
M4I.DE Yearly Current Assets VS Current LiabilitesM4I.DE 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. M4I.DE Growth Analysis

3.1 Past

  • M4I shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.50%, which is quite good.
  • M4I shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.49% yearly.
  • 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

  • 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, M4I will show a quite strong growth in Revenue. The Revenue will grow by 11.48% 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 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.
M4I.DE Yearly Revenue VS EstimatesM4I.DE 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
M4I.DE Yearly EPS VS EstimatesM4I.DE 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. M4I.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 30.24 indicates a quite expensive valuation of M4I.
  • Compared to the rest of the industry, the Price/Earnings ratio of M4I is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of M4I to the average of the S&P500 Index (27.71), we can say M4I is valued inline with the index average.
  • Based on the Price/Forward Earnings ratio of 25.49, the valuation of M4I can be described as expensive.
  • Based on the Price/Forward Earnings ratio, M4I is valued a bit more expensive than the industry average as 63.16% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.09, M4I is valued a bit cheaper.
Industry RankSector Rank
PE 30.24
Fwd PE 25.49
M4I.DE Price Earnings VS Forward Price EarningsM4I.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as M4I.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of M4I is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 27.93
EV/EBITDA 22.64
M4I.DE Per share dataM4I.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

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.
  • M4I's earnings are expected to grow with 16.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.63
PEG (5Y)1.41
EPS Next 2Y17.14%
EPS Next 3Y16.96%

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4

5. M4I.DE Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.67%, M4I is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.27, M4I has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, M4I's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.67%

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 Years7
Div Non Decr Years7
M4I.DE Yearly Dividends per shareM4I.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • M4I pays out 18.41% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of M4I 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%
M4I.DE Yearly Income VS Free CF VS DividendM4I.DE 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
M4I.DE Dividend Payout.M4I.DE Dividend Payout, showing the Payout Ratio.M4I.DE Dividend Payout.PayoutRetained Earnings

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M4I.DE Fundamentals: All Metrics, Ratios and Statistics

MASTERCARD INC - A

FRA:M4I (4/21/2026, 7:00:00 PM)

437.3

-1.7 (-0.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners91.01%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap389.99B
Revenue(TTM)32.79B
Net Income(TTM)14.97B
Analysts83.33
Price Target567.52 (29.78%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.67%
Yearly Dividend2.58
Dividend Growth(5Y)13.71%
DP18.41%
Div Incr Years7
Div Non Decr Years7
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)-2.91%
PT rev (3m)-1.81%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)2.7%
EPS NY rev (1m)0.02%
EPS NY rev (3m)2.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.71%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)0.23%
Valuation
Industry RankSector Rank
PE 30.24
Fwd PE 25.49
P/S 13.99
P/FCF 27.93
P/OCF 26
P/B 59.31
P/tB N/A
EV/EBITDA 22.64
EPS(TTM)14.46
EY3.31%
EPS(NY)17.16
Fwd EY3.92%
FCF(TTM)15.66
FCFY3.58%
OCF(TTM)16.82
OCFY3.85%
SpS31.25
BVpS7.37
TBVpS-7.03
PEG (NY)1.63
PEG (5Y)1.41
Graham Number48.9771 (-88.8%)
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 9.94
F-Score8
WACC8.68%
ROIC/WACC5.89
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 5Y11.48%
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 / M4I.DE Fundamental Analysis 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.


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

MASTERCARD INC - A (M4I.DE) has a profitability rating of 8 / 10.


Can you provide the financial health for M4I stock?

The financial health rating of MASTERCARD INC - A (M4I.DE) is 9 / 10.


What is the expected EPS growth for MASTERCARD INC - A (M4I.DE) stock?

The Earnings per Share (EPS) of MASTERCARD INC - A (M4I.DE) is expected to grow by 18.61% in the next year.