MASTERCARD INC - A (M4I.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:M4I - US57636Q1040 - Common Stock
468.65 EUR
+5.65 (+1.22%)
M4I gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 52 industry peers in the Financial Services industry. M4I has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. M4I is quite expensive at the moment. It does show a decent growth rate. These ratings would make M4I suitable for quality investing!
1. Profitability
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.
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.
Looking at the Return On Equity, with a value of 180.29%, M4I belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
The Return On Invested Capital of M4I (47.55%) is better 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 9.75%.
The last Return On Invested Capital (47.55%) for M4I is above the 3 year average (45.83%), which is a sign of increasing profitability.
| 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
With an excellent Profit Margin value of 45.28%, M4I belongs to the best of the industry, outperforming 92.31% of the companies in the same industry.
In the last couple of years the Profit Margin of M4I has remained more or less at the same level.
M4I's Operating Margin of 59.16% is amongst the best of the industry. M4I outperforms 90.38% of its industry peers.
In the last couple of years the Operating Margin of M4I has remained more or less at the same level.
| 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.
M4I has less shares outstanding than it did 1 year ago.
The number of shares outstanding for M4I has been reduced compared to 5 years ago.
The debt/assets ratio for M4I is higher compared to a year ago.
2.2 Solvency
M4I has an Altman-Z score of 10.32. This indicates that M4I is financially healthy and has little risk of bankruptcy at the moment.
M4I has a Altman-Z score of 10.32. This is amongst the best in the industry. M4I outperforms 94.23% of its industry peers.
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 84.62% of its industry peers.
A Debt/Equity ratio of 2.40 is on the high side and indicates that M4I has dependencies on debt financing.
M4I has a worse Debt to Equity ratio (2.40) than 73.08% 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 | 2.4 | ||
| Debt/FCF | 1.16 | ||
| Altman-Z | 10.32 |
ROIC/WACC5.61
WACC8.47%
2.3 Liquidity
A Current Ratio of 1.12 indicates that M4I should not have too much problems paying its short term obligations.
With a Current ratio value of 1.12, M4I perfoms like the industry average, outperforming 40.38% of the companies in the same industry.
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 has a Quick ratio of 1.12. This is comparable to the rest of the industry: M4I outperforms 46.15% 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 | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.10% over the past year.
Measured over the past years, M4I shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.43% on average per year.
M4I shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.60%.
The Revenue has been growing by 10.78% on average over the past years. This is quite good.
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.
The Revenue is expected to grow by 11.67% on average over the next years. This is quite good.
EPS Next Y16.07%
EPS Next 2Y16.06%
EPS Next 3Y16.15%
EPS Next 5Y15.33%
Revenue Next Year16.6%
Revenue Next 2Y14.5%
Revenue Next 3Y13.64%
Revenue Next 5Y11.67%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 33.55, M4I can be considered very expensive at the moment.
The rest of the industry has a similar Price/Earnings ratio as M4I.
M4I is valuated rather expensively when we compare the Price/Earnings ratio to 25.45, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 27.42, M4I can be considered very expensive at the moment.
The rest of the industry has a similar Price/Forward Earnings ratio as M4I.
The average S&P500 Price/Forward Earnings ratio is at 34.46. M4I is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.55 | ||
| Fwd PE | 27.42 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of M4I is on the same level as its industry peers.
M4I's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.92 | ||
| EV/EBITDA | 24.87 |
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.
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 16.15% in the coming years.
PEG (NY)2.09
PEG (5Y)2.5
EPS Next 2Y16.06%
EPS Next 3Y16.15%
5. Dividend
5.1 Amount
M4I has a yearly dividend return of 0.55%, which is pretty low.
M4I's Dividend Yield is comparable with the industry average which is at 3.37.
Compared to an average S&P500 Dividend Yield of 2.45, 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 2Y16.06%
EPS Next 3Y16.15%
FRA:M4I (11/21/2025, 7:00:00 PM)
468.65
+5.65 (+1.22%)
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 Cap423.66B
Revenue(TTM)31.47B
Net Income(TTM)14.25B
Analysts80.42
Price Target574.29 (22.54%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.55% |
Yearly Dividend2.27
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)2.36%
PT rev (3m)3.3%
EPS NQ rev (1m)1.56%
EPS NQ rev (3m)1.51%
EPS NY rev (1m)0.6%
EPS NY rev (3m)3.32%
Revenue NQ rev (1m)1.11%
Revenue NQ rev (3m)1.04%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)2.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.55 | ||
| Fwd PE | 27.42 | ||
| P/S | 15.5 | ||
| P/FCF | 29.92 | ||
| P/OCF | 27.91 | ||
| P/B | 61.72 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.87 |
EPS(TTM)13.97
EY2.98%
EPS(NY)17.09
Fwd EY3.65%
FCF(TTM)15.66
FCFY3.34%
OCF(TTM)16.79
OCFY3.58%
SpS30.24
BVpS7.59
TBVpS-6.98
PEG (NY)2.09
PEG (5Y)2.5
Graham Number48.86
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 | 10.32 |
F-Score8
WACC8.47%
ROIC/WACC5.61
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 Y16.07%
EPS Next 2Y16.06%
EPS Next 3Y16.15%
EPS Next 5Y15.33%
Revenue 1Y (TTM)15.6%
Revenue growth 3Y14.26%
Revenue growth 5Y10.78%
Sales Q2Q%16.73%
Revenue Next Year16.6%
Revenue Next 2Y14.5%
Revenue Next 3Y13.64%
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 7 / 10 to M4I.DE.
What is the valuation status for M4I stock?
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.
Can you provide the PE and PB ratios for M4I stock?
The Price/Earnings (PE) ratio for MASTERCARD INC - A (M4I.DE) is 33.55 and the Price/Book (PB) ratio is 61.72.
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 16.07% in the next year.