MASTERCARD INC - A (M4I.DE) Stock Fundamental Analysis
Europe - FRA:M4I - US57636Q1040 - Common Stock
480.65 EUR
+3 (+0.63%)
Taking everything into account, M4I scores 6 out of 10 in our fundamental rating. M4I was compared to 50 industry peers in the Financial Services industry. Both the health and profitability get an excellent rating, making M4I a very profitable company, without any liquidiy or solvency issues. M4I is valied quite expensively at the moment, while it does show a decent growth rate. These ratings could make M4I a good candidate for quality investing.
1. Profitability
1.1 Basic Checks
M4I had positive earnings in the past year.
In the past year M4I had a positive cash flow from operations.
Each year in the past 5 years M4I has been profitable.
In the past 5 years M4I always reported a positive cash flow from operatings.
1.2 Ratios
M4I has a Return On Assets of 26.74%. This is amongst the best in the industry. M4I outperforms 100.00% of its industry peers.
The Return On Equity of M4I (180.29%) is better than 100.00% of its industry peers.
With an excellent Return On Invested Capital value of 47.55%, M4I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for M4I is significantly above the industry average of 9.85%.
The 3 year average ROIC (45.83%) for M4I is below the current ROIC(47.55%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 26.74% | ||
| ROE | 180.29% | ||
| ROIC | 47.55% |
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
M4I has a Profit Margin of 45.28%. This is amongst the best in the industry. M4I outperforms 94.00% of its industry peers.
M4I's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 59.16%, M4I belongs to the top of the industry, outperforming 92.00% of the companies in the same industry.
M4I's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 59.16% | ||
| PM (TTM) | 45.28% | ||
| 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
M4I has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, M4I has less shares outstanding
M4I has less shares outstanding than it did 5 years ago.
M4I has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 10.53 indicates that M4I is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 10.53, M4I belongs to the top of the industry, outperforming 94.00% 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.
M4I's Debt to FCF ratio of 1.16 is amongst the best of the industry. M4I outperforms 82.00% of its industry peers.
M4I has a Debt/Equity ratio of 2.40. This is a high value indicating a heavy dependency on external financing.
M4I's Debt to Equity ratio of 2.40 is on the low side compared to the rest of the industry. M4I is outperformed by 74.00% of its industry peers.
Although M4I does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.4 | ||
| Debt/FCF | 1.16 | ||
| Altman-Z | 10.53 |
ROIC/WACC5.57
WACC8.53%
2.3 Liquidity
M4I has a Current Ratio of 1.12. 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 Current ratio of 1.12. This is in the lower half of the industry: M4I underperforms 64.00% of its industry peers.
M4I has a Quick Ratio of 1.12. 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 Quick ratio of 1.12 is on the low side compared to the rest of the industry. M4I is outperformed by 62.00% of its industry peers.
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 | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.10% over the past year.
M4I shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.43% yearly.
M4I shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.60%.
Measured over the past years, M4I shows a quite strong growth in Revenue. The Revenue has been growing by 10.78% on average per year.
EPS 1Y (TTM)15.1%
EPS 3Y20.21%
EPS 5Y13.43%
EPS Q2Q%12.6%
Revenue 1Y (TTM)15.6%
Revenue growth 3Y14.26%
Revenue growth 5Y10.78%
Sales Q2Q%16.73%
3.2 Future
The Earnings Per Share is expected to grow by 15.33% on average over the next years. This is quite good.
M4I is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.67% yearly.
EPS Next Y15.42%
EPS Next 2Y15.74%
EPS Next 3Y15.98%
EPS Next 5Y15.33%
Revenue Next Year16.12%
Revenue Next 2Y14.08%
Revenue Next 3Y13.34%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 34.48, which means the current valuation is very expensive for M4I.
The rest of the industry has a similar Price/Earnings ratio as M4I.
When comparing the Price/Earnings ratio of M4I to the average of the S&P500 Index (25.67), we can say M4I is valued slightly more expensively.
M4I is valuated quite expensively with a Price/Forward Earnings ratio of 28.32.
Compared to the rest of the industry, the Price/Forward Earnings ratio of M4I indicates a slightly more expensive valuation: M4I is more expensive than 60.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 31.86, M4I is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.48 | ||
| Fwd PE | 28.32 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.73 | ||
| EV/EBITDA | 25.69 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive 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 15.98% in the coming years.
PEG (NY)2.24
PEG (5Y)2.57
EPS Next 2Y15.74%
EPS Next 3Y15.98%
5. Dividend
5.1 Amount
With a yearly dividend of 0.55%, M4I is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.30, M4I has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, M4I's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.55% |
5.2 History
The dividend of M4I is nicely growing with an annual growth rate of 14.95%!
Dividend Growth(5Y)14.95%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
18.79% 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.
DP18.79%
EPS Next 2Y15.74%
EPS Next 3Y15.98%
FRA:M4I (11/7/2025, 4:48:15 PM)
480.65
+3 (+0.63%)
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 Cap434.51B
Revenue(TTM)31.47B
Net Income(TTM)14.25B
Analysts79.57
Price Target570.22 (18.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.55% |
Yearly Dividend2.29
Dividend Growth(5Y)14.95%
DP18.79%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.74%
Min EPS beat(2)-1.55%
Max EPS beat(2)0.08%
EPS beat(4)3
Avg EPS beat(4)0.08%
Min EPS beat(4)-1.55%
Max EPS beat(4)1.41%
EPS beat(8)5
Avg EPS beat(8)-0.01%
EPS beat(12)7
Avg EPS beat(12)0.14%
EPS beat(16)11
Avg EPS beat(16)2.22%
Revenue beat(2)0
Avg Revenue beat(2)-1.5%
Min Revenue beat(2)-2.14%
Max Revenue beat(2)-0.87%
Revenue beat(4)0
Avg Revenue beat(4)-1.42%
Min Revenue beat(4)-2.14%
Max Revenue beat(4)-0.87%
Revenue beat(8)0
Avg Revenue beat(8)-1.66%
Revenue beat(12)0
Avg Revenue beat(12)-1.76%
Revenue beat(16)2
Avg Revenue beat(16)-1.27%
PT rev (1m)3.17%
PT rev (3m)3.63%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)3.07%
EPS NY rev (1m)0.03%
EPS NY rev (3m)2.74%
Revenue NQ rev (1m)0.13%
Revenue NQ rev (3m)3.06%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)1.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.48 | ||
| Fwd PE | 28.32 | ||
| P/S | 15.92 | ||
| P/FCF | 30.73 | ||
| P/OCF | 28.67 | ||
| P/B | 63.4 | ||
| P/tB | N/A | ||
| EV/EBITDA | 25.69 |
EPS(TTM)13.94
EY2.9%
EPS(NY)16.97
Fwd EY3.53%
FCF(TTM)15.64
FCFY3.25%
OCF(TTM)16.77
OCFY3.49%
SpS30.19
BVpS7.58
TBVpS-6.96
PEG (NY)2.24
PEG (5Y)2.57
Graham Number48.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 26.74% | ||
| ROE | 180.29% | ||
| ROCE | 57.12% | ||
| ROIC | 47.55% | ||
| ROICexc | 70.61% | ||
| ROICexgc | 228.49% | ||
| OM | 59.16% | ||
| PM (TTM) | 45.28% | ||
| GM | N/A | ||
| FCFM | 51.8% |
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-Score8
Asset Turnover0.59
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.4 | ||
| Debt/FCF | 1.16 | ||
| Debt/EBITDA | 0.96 | ||
| Cap/Depr | 109.1% | ||
| Cap/Sales | 3.73% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 88.75% | ||
| Profit Quality | 114.42% | ||
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 10.53 |
F-Score8
WACC8.53%
ROIC/WACC5.57
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)15.1%
EPS 3Y20.21%
EPS 5Y13.43%
EPS Q2Q%12.6%
EPS Next Y15.42%
EPS Next 2Y15.74%
EPS Next 3Y15.98%
EPS Next 5Y15.33%
Revenue 1Y (TTM)15.6%
Revenue growth 3Y14.26%
Revenue growth 5Y10.78%
Sales Q2Q%16.73%
Revenue Next Year16.12%
Revenue Next 2Y14.08%
Revenue Next 3Y13.34%
Revenue Next 5Y11.67%
EBIT growth 1Y16.51%
EBIT growth 3Y17.33%
EBIT growth 5Y11.15%
EBIT Next Year23.18%
EBIT Next 3Y16.18%
EBIT Next 5Y13.75%
FCF growth 1Y66.51%
FCF growth 3Y16.25%
FCF growth 5Y12.75%
OCF growth 1Y59.63%
OCF growth 3Y16.02%
OCF growth 5Y12.55%
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 6 / 10 to M4I.DE.
What is the valuation status for M4I stock?
ChartMill assigns a valuation rating of 2 / 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.
Can you provide the PE and PB ratios for M4I stock?
The Price/Earnings (PE) ratio for MASTERCARD INC - A (M4I.DE) is 34.48 and the Price/Book (PB) ratio is 63.4.
What is the earnings growth outlook for MASTERCARD INC - A?
The Earnings per Share (EPS) of MASTERCARD INC - A (M4I.DE) is expected to grow by 15.42% in the next year.