MASTERCARD INC - A (M4I.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:M4I • US57636Q1040
461.6 EUR
-10.5 (-2.22%)
Last: Feb 4, 2026, 03:50 PM
We assign a fundamental rating of 7 out of 10 to M4I. M4I was compared to 55 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 expensively, but it does show have an excellent growth rating. This makes M4I very considerable for growth and 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.
- 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
- The Return On Assets of M4I (27.64%) is better than 100.00% of its industry peers.
- M4I has a Return On Equity of 193.46%. This is amongst the best in the industry. M4I outperforms 100.00% of its industry peers.
- M4I has a Return On Invested Capital of 51.15%. This is amongst the best in the industry. M4I outperforms 100.00% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for M4I is significantly above the industry average of 9.19%.
- 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
- M4I has a Profit Margin of 45.65%. This is amongst the best in the industry. M4I outperforms 90.91% of its industry peers.
- In the last couple of years the Profit Margin of M4I has grown nicely.
- M4I has a better Operating Margin (59.37%) than 90.91% of its industry peers.
- In the last couple of years the Operating Margin of M4I has grown nicely.
| 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.
- Compared to 1 year ago, M4I has less shares outstanding
- 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 10.47. This indicates that M4I is financially healthy and has little risk of bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 10.47, M4I belongs to the top of the industry, outperforming 96.36% of the companies in the same industry.
- 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.
- With an excellent Debt to FCF ratio value of 1.16, M4I belongs to the best of the industry, outperforming 90.91% 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.
- Looking at the Debt to Equity ratio, with a value of 2.36, M4I is doing worse than 74.55% of the companies in the same industry.
- 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 | 2.36 | ||
| Debt/FCF | 1.16 | ||
| Altman-Z | 10.47 |
ROIC/WACC5.86
WACC8.73%
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.
- The Current ratio of M4I (1.03) is worse than 65.45% 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 65.45% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
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.
- M4I 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
- Based on estimates for the next years, M4I will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.04% on average per year.
- The Revenue is expected to grow by 10.45% on average over the next years. This is quite good.
EPS Next Y15.91%
EPS Next 2Y16.16%
EPS Next 3Y16.09%
EPS Next 5Y15.04%
Revenue Next Year12.56%
Revenue Next 2Y12.32%
Revenue Next 3Y11.15%
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.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 32.01, 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 60.00% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.18, M4I is valued at the same level.
- M4I is valuated quite expensively with a Price/Forward Earnings ratio of 27.61.
- M4I's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. M4I is more expensive than 69.09% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, M4I is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.01 | ||
| Fwd PE | 27.61 |
4.2 Price Multiples
- M4I's Enterprise Value to EBITDA is on the same level as the industry average.
- 61.82% of the companies in the same industry are cheaper than M4I, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.77 | ||
| EV/EBITDA | 24.65 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates M4I does not grow enough to justify the current Price/Earnings ratio.
- M4I has an outstanding profitability rating, which may justify a higher PE ratio.
- M4I's earnings are expected to grow with 16.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.01
PEG (5Y)1.49
EPS Next 2Y16.16%
EPS Next 3Y16.09%
5. Dividend
5.1 Amount
- M4I has a yearly dividend return of 0.64%, which is pretty low.
- M4I's Dividend Yield is comparable with the industry average which is at 2.10.
- With a Dividend Yield of 0.64, M4I pays less dividend than the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.64% |
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
- 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 2Y16.16%
EPS Next 3Y16.09%
FRA:M4I (2/4/2026, 3:50:42 PM)
461.6
-10.5 (-2.22%)
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 Cap414.52B
Revenue(TTM)32.79B
Net Income(TTM)14.97B
Analysts81.22
Price Target577.98 (25.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.64% |
Yearly Dividend2.56
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)2.03%
PT rev (3m)1.36%
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)0.25%
EPS NY rev (1m)0.03%
EPS NY rev (3m)0.79%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)1.06%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.01 | ||
| Fwd PE | 27.61 | ||
| P/S | 14.92 | ||
| P/FCF | 29.77 | ||
| P/OCF | 27.72 | ||
| P/B | 63.22 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.65 |
EPS(TTM)14.42
EY3.12%
EPS(NY)16.72
Fwd EY3.62%
FCF(TTM)15.51
FCFY3.36%
OCF(TTM)16.65
OCFY3.61%
SpS30.94
BVpS7.3
TBVpS-6.96
PEG (NY)2.01
PEG (5Y)1.49
Graham Number48.67
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 | 10.47 |
F-Score8
WACC8.73%
ROIC/WACC5.86
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 Y15.91%
EPS Next 2Y16.16%
EPS Next 3Y16.09%
EPS Next 5Y15.04%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y13.82%
Revenue growth 5Y16.47%
Sales Q2Q%17.59%
Revenue Next Year12.56%
Revenue Next 2Y12.32%
Revenue Next 3Y11.15%
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 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.
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%.