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

  • In the past year M4I was profitable.
  • In the past year M4I had a positive cash flow from operations.
  • In the past 5 years M4I has always 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

  • M4I has a better Return On Assets (27.64%) than 98.28% of its industry peers.
  • M4I has a Return On Equity of 193.46%. This is amongst the best in 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.
  • Measured over the past 3 years, the Average Return On Invested Capital for M4I is significantly above the industry average of 10.88%.
  • The last Return On Invested Capital (51.15%) for M4I is above the 3 year average (48.09%), which is a sign of increasing profitability.
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

  • M4I has a better Profit Margin (45.65%) than 86.21% of its industry peers.
  • M4I's Profit Margin has improved in the last couple of years.
  • The Operating Margin of M4I (59.37%) is better than 89.66% of its industry peers.
  • 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.
  • M4I has less shares outstanding than it did 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

  • An Altman-Z score of 9.79 indicates that M4I is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of M4I (9.79) is better than 96.55% 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 has a better Debt to FCF ratio (1.16) than 84.48% of its industry peers.
  • M4I has a Debt/Equity ratio of 2.36. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 2.36, M4I is doing worse than 75.86% of the companies in the same industry.
  • 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 9.79
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

  • A Current Ratio of 1.03 indicates that M4I should not have too much problems paying its short term obligations.
  • With a Current ratio value of 1.03, M4I is not doing good in the industry: 60.34% of the companies in the same industry are doing better.
  • 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 has a worse Quick ratio (1.03) than 60.34% 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 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 16.50% over the past year.
  • M4I shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.49% yearly.
  • M4I shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.42%.
  • 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 15.18% on average per year.
  • M4I is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.48% yearly.
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

  • 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

  • Based on the Price/Earnings ratio of 28.48, the valuation of M4I can be described as expensive.
  • 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.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, M4I is valued at the same level.
  • The Price/Forward Earnings ratio is 24.02, which indicates a rather expensive current valuation of M4I.
  • 62.07% of the companies in the same industry are cheaper than M4I, based on the Price/Forward Earnings ratio.
  • M4I is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 28.48
Fwd PE 24.02
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.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as M4I.
Industry RankSector Rank
P/FCF 26.31
EV/EBITDA 22.07
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

  • M4I's 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.
  • A more expensive valuation may be justified as M4I's earnings are expected to grow with 16.95% in the coming years.
PEG (NY)1.53
PEG (5Y)1.33
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

  • M4I has a yearly dividend return of 0.71%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.44, M4I has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.90, M4I's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.71%

5.2 History

  • On average, the dividend of M4I grows each year by 13.71%, which is quite nice.
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

  • M4I pays out 18.41% of its income as dividend. This is a 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 2Y17.08%
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)04-29
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 0.71%
Yearly Dividend2.64
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)3.71%
PT rev (3m)1.86%
EPS NQ rev (1m)-0.1%
EPS NQ rev (3m)2.44%
EPS NY rev (1m)0.38%
EPS NY rev (3m)2.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.62%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.24%
Valuation
Industry RankSector Rank
PE 28.48
Fwd PE 24.02
P/S 13.18
P/FCF 26.31
P/OCF 24.5
P/B 55.88
P/tB N/A
EV/EBITDA 22.07
EPS(TTM)14.75
EY3.51%
EPS(NY)17.49
Fwd EY4.16%
FCF(TTM)15.97
FCFY3.8%
OCF(TTM)17.15
OCFY4.08%
SpS31.87
BVpS7.52
TBVpS-7.17
PEG (NY)1.53
PEG (5Y)1.33
Graham Number49.95
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 9.79
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%.