MASTERCARD INC - A (M4I.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:M4I - US57636Q1040 - Common Stock
455.1 EUR
-0.7 (-0.15%)
We assign a fundamental rating of 6 out of 10 to M4I. M4I was compared to 60 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 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
- In the past year M4I was profitable.
- In the past year M4I had a positive cash flow from operations.
- 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.
1.2 Ratios
- M4I's Return On Assets of 26.74% is amongst the best of the industry. M4I outperforms 96.67% of its industry peers.
- M4I has a better Return On Equity (180.29%) than 98.33% of its industry peers.
- The Return On Invested Capital of M4I (47.55%) is better than 98.33% 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 10.51%.
- 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
- Looking at the Profit Margin, with a value of 45.28%, M4I belongs to the top of the industry, outperforming 90.00% 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 90.00% 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
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so M4I is creating value.
- The number of shares outstanding for M4I has been reduced compared to 1 year ago.
- Compared to 5 years ago, M4I has less shares outstanding
- M4I has a worse debt/assets ratio than last year.
2.2 Solvency
- M4I has an Altman-Z score of 10.29. This indicates that M4I is financially healthy and has little risk of bankruptcy at the moment.
- The Altman-Z score of M4I (10.29) is better than 95.00% of its industry peers.
- 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.
- M4I has a better Debt to FCF ratio (1.16) than 88.33% 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.
- The Debt to Equity ratio of M4I (2.40) is worse than 73.33% 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 | 10.29 |
ROIC/WACC5.47
WACC8.7%
2.3 Liquidity
- A Current Ratio of 1.12 indicates that M4I should not have too much problems paying its short term obligations.
- Looking at the Current ratio, with a value of 1.12, M4I is in line with its industry, outperforming 46.67% of the companies in the same industry.
- A Quick Ratio of 1.12 indicates that M4I should not have too much problems paying its short term obligations.
- With a Quick ratio value of 1.12, M4I perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
- 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.
- The Earnings Per Share has been growing by 13.43% on average over the past years. This is quite good.
- The Revenue has grown by 15.60% 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 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 Y16.34%
EPS Next 2Y16.18%
EPS Next 3Y16.23%
EPS Next 5Y15.33%
Revenue Next Year16.74%
Revenue Next 2Y14.65%
Revenue Next 3Y13.78%
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.
- 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
- The Price/Earnings ratio is 33.19, which means the current valuation is very expensive for M4I.
- M4I's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 27.32. M4I is valued slightly more expensive when compared to this.
- M4I is valuated quite expensively with a Price/Forward Earnings ratio of 27.06.
- 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 61.67% of the companies listed in the same industry.
- M4I is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.19 | ||
| Fwd PE | 27.06 |
4.2 Price Multiples
- M4I's Enterprise Value to EBITDA ratio is in line with the industry average.
- M4I's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.4 | ||
| EV/EBITDA | 24.78 |
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 16.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.03
PEG (5Y)2.47
EPS Next 2Y16.18%
EPS Next 3Y16.23%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.64%, M4I is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 1.95, M4I has a dividend in line with its industry peers.
- With a Dividend Yield of 0.64, M4I pays less dividend than the S&P500 average, which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.64% |
5.2 History
- On average, the dividend of M4I grows each year by 14.95%, which is quite nice.
Dividend Growth(5Y)14.95%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
- M4I pays out 18.79% 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.
DP18.79%
EPS Next 2Y16.18%
EPS Next 3Y16.23%
FRA:M4I (1/21/2026, 4:36:09 PM)
455.1
-0.7 (-0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)01-29 2026-01-29/amc
Inst Owners90.75%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap408.68B
Revenue(TTM)31.47B
Net Income(TTM)14.25B
Analysts81.22
Price Target577.98 (27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.64% |
Yearly Dividend2.28
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)0.72%
PT rev (3m)3.02%
EPS NQ rev (1m)-0.05%
EPS NQ rev (3m)1.52%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)0.83%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)1.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.19 | ||
| Fwd PE | 27.06 | ||
| P/S | 15.23 | ||
| P/FCF | 29.4 | ||
| P/OCF | 27.42 | ||
| P/B | 60.64 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.78 |
EPS(TTM)13.71
EY3.01%
EPS(NY)16.82
Fwd EY3.69%
FCF(TTM)15.48
FCFY3.4%
OCF(TTM)16.6
OCFY3.65%
SpS29.88
BVpS7.5
TBVpS-6.89
PEG (NY)2.03
PEG (5Y)2.47
Graham Number48.12
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 | 10.29 |
F-Score8
WACC8.7%
ROIC/WACC5.47
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 Y16.34%
EPS Next 2Y16.18%
EPS Next 3Y16.23%
EPS Next 5Y15.33%
Revenue 1Y (TTM)15.6%
Revenue growth 3Y14.26%
Revenue growth 5Y10.78%
Sales Q2Q%16.73%
Revenue Next Year16.74%
Revenue Next 2Y14.65%
Revenue Next 3Y13.78%
Revenue Next 5Y11.67%
EBIT growth 1Y16.51%
EBIT growth 3Y17.33%
EBIT growth 5Y11.15%
EBIT Next Year24.88%
EBIT Next 3Y16.79%
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.
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 18.79%.