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

FRA:M4I • US57636Q1040

Current stock price

420.1 EUR
-14.35 (-3.3%)
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

  • M4I had positive earnings in the past year.
  • M4I had a positive operating cash flow in the past year.
  • Each year in the past 5 years M4I has been profitable.
  • Each year in the past 5 years M4I had a positive operating cash flow.
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

  • With an excellent Return On Assets value of 27.64%, M4I belongs to the best of the industry, outperforming 98.28% of the companies in the same industry.
  • M4I's Return On Equity of 193.46% is amongst the best of the industry. M4I outperforms 98.28% of its industry peers.
  • The Return On Invested Capital of M4I (51.15%) is better than 98.28% of its industry peers.
  • M4I had an Average Return On Invested Capital over the past 3 years of 48.09%. This is significantly above the industry average of 10.88%.
  • The 3 year average ROIC (48.09%) for M4I 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%
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 86.21% 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 89.66% 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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8

2. M4I.DE Health Analysis

2.1 Basic Checks

  • M4I 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 M4I has been reduced compared to 1 year ago.
  • The number of shares outstanding for M4I has been reduced compared to 5 years ago.
  • The debt/assets ratio for M4I has been reduced compared to a year ago.
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

  • M4I has an Altman-Z score of 9.58. This indicates that M4I is financially healthy and has little risk of bankruptcy at the moment.
  • With an excellent Altman-Z score value of 9.58, M4I belongs to the best of the industry, outperforming 96.55% of the companies in the same industry.
  • M4I 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.
  • The Debt to FCF ratio of M4I (1.16) is better than 84.48% of its industry peers.
  • A Debt/Equity ratio of 2.36 is on the high side and indicates that M4I has dependencies on debt 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 75.86% 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 RankSector Rank
Debt/Equity 2.36
Debt/FCF 1.16
Altman-Z 9.58
ROIC/WACC5.78
WACC8.85%
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

  • 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 has a worse Current ratio (1.03) than 60.34% 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 worse Quick ratio (1.03) than 60.34% of its industry peers.
  • The current and quick ratio evaluation for M4I 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
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.
  • The Earnings Per Share has been growing by 21.49% on average over the past years. This is a very strong growth
  • Looking at the last year, M4I shows a quite strong growth in Revenue. The Revenue has grown by 16.42% in the last year.
  • The Revenue has been growing by 16.47% on average over the past years. This is quite good.
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.
  • The Revenue is expected to grow by 11.48% on average over the next years. This is quite good.
EPS Next Y18.58%
EPS Next 2Y17.08%
EPS Next 3Y16.95%
EPS Next 5Y15.18%
Revenue Next Year12.92%
Revenue Next 2Y12.62%
Revenue Next 3Y12.51%
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.
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

  • With a Price/Earnings ratio of 28.42, M4I can be considered very expensive at the moment.
  • M4I's Price/Earnings ratio is a bit more expensive when compared to the industry. M4I is more expensive than 60.34% of the companies in the same industry.
  • M4I's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 24.88.
  • The Price/Forward Earnings ratio is 23.97, which indicates a rather expensive current valuation of M4I.
  • Based on the Price/Forward Earnings ratio, M4I is valued a bit more expensive than 62.07% of the companies in the same industry.
  • M4I's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 28.42
Fwd PE 23.97
M4I.DE Price Earnings VS Forward Price EarningsM4I.DE 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 M4I.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as M4I.
Industry RankSector Rank
P/FCF 26.26
EV/EBITDA 21.31
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

  • The 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 16.95% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.53
PEG (5Y)1.32
EPS Next 2Y17.08%
EPS Next 3Y16.95%

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

4

5. M4I.DE Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.69%, M4I is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.46, M4I has a dividend in line with its industry peers.
  • With a Dividend Yield of 0.69, M4I pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.69%

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
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

  • 18.41% of the earnings are spent on dividend by M4I. This is a low number and 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 2Y17.08%
EPS Next 3Y16.95%
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 (3/27/2026, 7:00:00 PM)

420.1

-14.35 (-3.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners90.86%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap374.65B
Revenue(TTM)32.79B
Net Income(TTM)14.97B
Analysts82.8
Price Target584.53 (39.14%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.69%
Yearly Dividend2.65
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%
PT rev (3m)3.18%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)2.45%
EPS NY rev (1m)0.38%
EPS NY rev (3m)2.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.62%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.27%
Valuation
Industry RankSector Rank
PE 28.42
Fwd PE 23.97
P/S 13.16
P/FCF 26.26
P/OCF 24.45
P/B 55.77
P/tB N/A
EV/EBITDA 21.31
EPS(TTM)14.78
EY3.52%
EPS(NY)17.52
Fwd EY4.17%
FCF(TTM)16
FCFY3.81%
OCF(TTM)17.18
OCFY4.09%
SpS31.93
BVpS7.53
TBVpS-7.18
PEG (NY)1.53
PEG (5Y)1.32
Graham Number50.05
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 9.58
F-Score8
WACC8.85%
ROIC/WACC5.78
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 Y18.58%
EPS Next 2Y17.08%
EPS Next 3Y16.95%
EPS Next 5Y15.18%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y13.82%
Revenue growth 5Y16.47%
Sales Q2Q%17.59%
Revenue Next Year12.92%
Revenue Next 2Y12.62%
Revenue Next 3Y12.51%
Revenue Next 5Y11.48%
EBIT growth 1Y17.87%
EBIT growth 3Y14.9%
EBIT growth 5Y18.9%
EBIT Next Year20%
EBIT Next 3Y15.39%
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.


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%.