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

FRA:M4I • US57636Q1040

Current stock price

432.3 EUR
-17.1 (-3.81%)
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.
  • 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

  • With an excellent Return On Assets value of 27.64%, M4I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • M4I's Return On Equity of 193.46% is amongst the best of the industry. M4I outperforms 100.00% of its industry peers.
  • With an excellent Return On Invested Capital value of 51.27%, 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 9.16%.
  • The 3 year average ROIC (48.19%) for M4I is below the current ROIC(51.27%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 27.64%
ROE 193.46%
ROIC 51.27%
ROA(3y)26.93%
ROA(5y)25.9%
ROE(3y)184.52%
ROE(5y)166%
ROIC(3y)48.19%
ROIC(5y)44.39%
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

  • M4I's Profit Margin of 45.65% is amongst the best of the industry. M4I outperforms 88.68% of its industry peers.
  • In the last couple of years the Profit Margin of M4I has grown nicely.
  • With an excellent Operating Margin value of 59.51%, M4I belongs to the best of the industry, outperforming 92.45% 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 59.51%
PM (TTM) 45.65%
GM N/A
OM growth 3Y1.14%
OM growth 5Y2.21%
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.
  • M4I has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, M4I has less shares outstanding
  • Compared to 1 year ago, M4I has an improved debt to assets ratio.
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 9.84. This indicates that M4I is financially healthy and has little risk of bankruptcy at the moment.
  • With an excellent Altman-Z score value of 9.84, M4I belongs to the best of the industry, outperforming 94.34% 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.
  • The Debt to FCF ratio of M4I (1.16) is better than 84.91% 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.
  • With a Debt to Equity ratio value of 2.36, M4I is not doing good in the industry: 69.81% of the companies in the same industry are doing better.
  • 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 9.84
ROIC/WACC5.83
WACC8.8%
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.
  • The Current ratio of M4I (1.03) is worse than 62.26% of its industry peers.
  • M4I has a Quick 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's Quick ratio of 1.03 is on the low side compared to the rest of the industry. M4I is outperformed by 60.38% 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

  • The Earnings Per Share has grown by an nice 19.03% over the past year.
  • Measured over the past years, M4I shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.49% on average per year.
  • The Revenue has grown by 16.42% in the past year. This is quite good.
  • 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)19.03%
EPS 3Y16.91%
EPS 5Y21.49%
EPS Q2Q%23.32%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y13.82%
Revenue growth 5Y16.47%
Sales Q2Q%15.83%

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 15.18% on average per year.
  • Based on estimates for the next years, M4I will show a quite strong growth in Revenue. The Revenue will grow by 12.15% 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 5Y12.15%

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.
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

  • The Price/Earnings ratio is 28.27, which means the current valuation is very expensive for M4I.
  • M4I's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, M4I is valued at the same level.
  • M4I is valuated rather expensively with a Price/Forward Earnings ratio of 21.66.
  • M4I's Price/Forward Earnings is on the same level as the industry average.
  • M4I is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 28.27
Fwd PE 21.66
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

  • 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 RankSector Rank
P/FCF 27.45
EV/EBITDA 22.22
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.
  • M4I has an outstanding profitability rating, which 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)1.52
PEG (5Y)1.32
EPS Next 2Y17.14%
EPS Next 3Y16.96%

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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.
  • M4I's Dividend Yield is comparable with the industry average which is at 2.67.
  • Compared to an average S&P500 Dividend Yield of 1.80, M4I's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.69%

5.2 History

  • The dividend of M4I is nicely growing with an annual growth rate of 13.70%!
Dividend Growth(5Y)13.7%
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

  • 18.41% of the earnings are spent on dividend by M4I. This is a low number and 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 (4/30/2026, 7:00:00 PM)

432.3

-17.1 (-3.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength31.06
Industry Growth76.4
Earnings (Last)04-30
Earnings (Next)07-29
Inst Owners91.01%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap385.53B
Revenue(TTM)32.79B
Net Income(TTM)14.97B
Analysts83.33
Price Target562.62 (30.15%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.69%
Yearly Dividend2.6
Dividend Growth(5Y)13.7%
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)-3.75%
PT rev (3m)-2.66%
EPS NQ rev (1m)0.31%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)0.02%
EPS NY rev (3m)2.33%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)-0.56%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)0.3%
Valuation
Industry RankSector Rank
PE 28.27
Fwd PE 21.66
P/S 13.76
P/FCF 27.45
P/OCF 25.56
P/B 58.31
P/tB N/A
EV/EBITDA 22.22
EPS(TTM)15.29
EY3.54%
EPS(NY)19.96
Fwd EY4.62%
FCF(TTM)15.75
FCFY3.64%
OCF(TTM)16.91
OCFY3.91%
SpS31.42
BVpS7.41
TBVpS-7.07
PEG (NY)1.52
PEG (5Y)1.32
Graham Number50.5028 (-88.32%)
Profitability
Industry RankSector Rank
ROA 27.64%
ROE 193.46%
ROCE 62.16%
ROIC 51.27%
ROICexc 78.53%
ROICexgc 299.01%
OM 59.51%
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)48.19%
ROIC(5y)44.39%
ROICexc(3y)72.44%
ROICexc(5y)65.92%
ROICexgc(3y)259.6%
ROICexgc(5y)224.32%
ROCE(3y)58.42%
ROCE(5y)53.82%
ROICexgc growth 3Y17.78%
ROICexgc growth 5Y14.48%
ROICexc growth 3Y8.47%
ROICexc growth 5Y5.38%
OM growth 3Y1.14%
OM growth 5Y2.21%
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 0.88
Cap/Depr 106.3%
Cap/Sales 3.71%
Interest Coverage 28.7
Cash Conversion 85.43%
Profit Quality 109.79%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z 9.84
F-Score8
WACC8.8%
ROIC/WACC5.83
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)19.03%
EPS 3Y16.91%
EPS 5Y21.49%
EPS Q2Q%23.32%
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%15.83%
Revenue Next Year12.9%
Revenue Next 2Y12.62%
Revenue Next 3Y12.52%
Revenue Next 5Y12.15%
EBIT growth 1Y18.14%
EBIT growth 3Y15.13%
EBIT growth 5Y19.04%
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 8 / 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.