MASTERCARD INC - A (M4I.DE) Fundamental Analysis & Valuation
FRA:M4I • US57636Q1040
Current stock price
453.75 EUR
+4.35 (+0.97%)
Last:
This M4I.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. M4I.DE Profitability Analysis
1.1 Basic Checks
- In the past year M4I was profitable.
- M4I had a positive operating cash flow in the past year.
- In the past 5 years M4I has always been profitable.
- M4I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- M4I has a Return On Assets of 27.64%. This is amongst the best in the industry. M4I outperforms 100.00% of its industry peers.
- M4I's Return On Equity of 193.46% is amongst the best of the industry. M4I outperforms 100.00% of its industry peers.
- The Return On Invested Capital of M4I (51.15%) is better than 100.00% of its industry peers.
- M4I had an Average Return On Invested Capital over the past 3 years of 48.09%. This is significantly above the industry average of 9.16%.
- 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 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 better Profit Margin (45.65%) than 90.38% of its industry peers.
- In the last couple of years the Profit Margin of M4I has grown nicely.
- The Operating Margin of M4I (59.37%) is better than 94.23% 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. M4I.DE Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), M4I 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.
- Compared to 1 year ago, M4I has an improved debt to assets ratio.
2.2 Solvency
- M4I has an Altman-Z score of 10.07. 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 10.07, M4I belongs to the top of the industry, outperforming 94.23% of the companies in the same industry.
- 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.
- Looking at the Debt to FCF ratio, with a value of 1.16, M4I belongs to the top of the industry, outperforming 86.54% 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.
- M4I has a Debt to Equity ratio of 2.36. This is in the lower half of the industry: M4I underperforms 69.23% of its industry peers.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.36 | ||
| Debt/FCF | 1.16 | ||
| Altman-Z | 10.07 |
ROIC/WACC5.79
WACC8.84%
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.
- M4I's Current ratio of 1.03 is on the low side compared to the rest of the industry. M4I is outperformed by 61.54% 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 Quick ratio (1.03) which is in line with 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. M4I.DE Growth Analysis
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.
- M4I shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.49% yearly.
- Looking at the last year, M4I shows a quite strong growth in Revenue. The Revenue has grown by 16.42% in the last year.
- The Revenue has been growing by 16.47% on average over the past years. This is quite good.
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
- The Earnings Per Share is expected to grow by 15.18% on average over the next years. This is quite good.
- 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
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
- Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. M4I.DE Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 31.21, M4I can be considered very expensive at the moment.
- M4I's Price/Earnings ratio is in line with the industry average.
- M4I's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.54.
- M4I is valuated quite expensively with a Price/Forward Earnings ratio of 26.31.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of M4I is on the same level as its industry peers.
- Compared to an average S&P500 Price/Forward Earnings ratio of 21.68, M4I is valued a bit more expensive.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.21 | ||
| Fwd PE | 26.31 |
4.2 Price Multiples
- M4I's Enterprise Value to EBITDA ratio is in line with the industry average.
- M4I's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.83 | ||
| EV/EBITDA | 23.14 |
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)1.68
PEG (5Y)1.45
EPS Next 2Y17.14%
EPS Next 3Y16.96%
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 2.39.
- With a Dividend Yield of 0.69, M4I pays less dividend than the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
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 Years7
Div Non Decr Years7
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 2Y17.14%
EPS Next 3Y16.96%
M4I.DE Fundamentals: All Metrics, Ratios and Statistics
FRA:M4I (4/30/2026, 12:08:12 PM)
453.75
+4.35 (+0.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength31.06
Industry Growth78.26
Earnings (Last)01-29 2026-01-29/bmo
Earnings (Next)04-30 2026-04-30/bmo
Inst Owners91.01%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap404.66B
Revenue(TTM)32.79B
Net Income(TTM)14.97B
Analysts83.33
Price Target567.52 (25.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
Yearly Dividend2.6
Dividend Growth(5Y)13.71%
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)-2.91%
PT rev (3m)-1.81%
EPS NQ rev (1m)0.32%
EPS NQ rev (3m)2.91%
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)-0.02%
Revenue NY rev (3m)0.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.21 | ||
| Fwd PE | 26.31 | ||
| P/S | 14.45 | ||
| P/FCF | 28.83 | ||
| P/OCF | 26.84 | ||
| P/B | 61.22 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.14 |
EPS(TTM)14.54
EY3.2%
EPS(NY)17.25
Fwd EY3.8%
FCF(TTM)15.74
FCFY3.47%
OCF(TTM)16.91
OCFY3.73%
SpS31.41
BVpS7.41
TBVpS-7.07
PEG (NY)1.68
PEG (5Y)1.45
Graham Number49.2401 (-89.15%)
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 | 10.07 |
F-Score8
WACC8.84%
ROIC/WACC5.79
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 Y18.61%
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%17.59%
Revenue Next Year12.9%
Revenue Next 2Y12.62%
Revenue Next 3Y12.52%
Revenue Next 5Y12.15%
EBIT growth 1Y17.87%
EBIT growth 3Y14.9%
EBIT growth 5Y18.9%
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.