MASTERCARD INC - A (M4I.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:M4I - US57636Q1040 - Common Stock
464.4 EUR
-20 (-4.13%)
Overall M4I gets a fundamental rating of 6 out of 10. We evaluated M4I against 58 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. While showing a medium growth rate, M4I is valued expensive at the moment. This makes M4I very considerable 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.
M4I had positive earnings in each of the past 5 years.
Each year in the past 5 years M4I had a positive operating cash flow.
1.2 Ratios
The Return On Assets of M4I (26.74%) is better than 100.00% of its industry peers.
M4I has a Return On Equity of 180.29%. This is amongst the best in the industry. M4I outperforms 100.00% of its industry peers.
M4I has a Return On Invested Capital of 47.55%. This is amongst the best in the industry. M4I outperforms 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 8.80%.
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 91.38% of the companies in the same industry.
M4I's Profit Margin has been stable in the last couple of years.
With an excellent Operating Margin value of 59.16%, M4I belongs to the best of the industry, outperforming 91.38% of the companies in the same industry.
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.
M4I has less shares outstanding than it did 1 year ago.
M4I has less shares outstanding than it did 5 years ago.
M4I has a worse debt/assets ratio than last year.
2.2 Solvency
M4I has an Altman-Z score of 10.67. This indicates that M4I is financially healthy and has little risk of bankruptcy at the moment.
M4I's Altman-Z score of 10.67 is amongst the best of the industry. M4I outperforms 94.83% 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.
The Debt to FCF ratio of M4I (1.16) is better than 87.93% 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 74.14% 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 | 10.67 |
ROIC/WACC5.54
WACC8.59%
2.3 Liquidity
M4I has a Current 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's Current ratio of 1.12 is in line compared to the rest of the industry. M4I outperforms 46.55% of its industry peers.
A Quick Ratio of 1.12 indicates that M4I should not have too much problems paying its short term obligations.
M4I's Quick ratio of 1.12 is in line compared to the rest of the industry. M4I outperforms 50.00% 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.
Looking at the last year, M4I shows a quite strong growth in Revenue. The Revenue has grown by 15.60% in the last year.
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
Based on estimates for the next years, M4I will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.33% 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 11.67% on average per year.
EPS Next Y16.34%
EPS Next 2Y16.18%
EPS Next 3Y16.23%
EPS Next 5Y15.33%
Revenue Next Year16.73%
Revenue Next 2Y14.64%
Revenue Next 3Y13.76%
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
Based on the Price/Earnings ratio of 33.77, the valuation of M4I can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of M4I is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.25. M4I is valued slightly more expensive when compared to this.
With a Price/Forward Earnings ratio of 27.53, M4I can be considered very expensive at the moment.
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 60.34% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.98. M4I is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.77 | ||
| Fwd PE | 27.53 |
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 | 29.9 | ||
| EV/EBITDA | 26.23 |
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 16.23% in the coming years.
PEG (NY)2.07
PEG (5Y)2.51
EPS Next 2Y16.18%
EPS Next 3Y16.23%
5. Dividend
5.1 Amount
M4I has a yearly dividend return of 0.60%, which is pretty low.
Compared to an average industry Dividend Yield of 1.97, M4I has a dividend in line with its industry peers.
With a Dividend Yield of 0.60, M4I pays less dividend than the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.6% |
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
M4I pays out 18.79% of its income as dividend. This is a 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 2Y16.18%
EPS Next 3Y16.23%
FRA:M4I (1/13/2026, 5:27:28 PM)
464.4
-20 (-4.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.75%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap417.03B
Revenue(TTM)31.47B
Net Income(TTM)14.25B
Analysts81.22
Price Target566.5 (21.99%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.6% |
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)-1.28%
PT rev (3m)0.97%
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)-0.04%
Revenue NQ rev (3m)1.08%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.77 | ||
| Fwd PE | 27.53 | ||
| P/S | 15.49 | ||
| P/FCF | 29.9 | ||
| P/OCF | 27.89 | ||
| P/B | 61.69 | ||
| P/tB | N/A | ||
| EV/EBITDA | 26.23 |
EPS(TTM)13.75
EY2.96%
EPS(NY)16.87
Fwd EY3.63%
FCF(TTM)15.53
FCFY3.34%
OCF(TTM)16.65
OCFY3.58%
SpS29.98
BVpS7.53
TBVpS-6.92
PEG (NY)2.07
PEG (5Y)2.51
Graham Number48.26
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 | 10.67 |
F-Score8
WACC8.59%
ROIC/WACC5.54
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 Year16.73%
Revenue Next 2Y14.64%
Revenue Next 3Y13.76%
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%.