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.
1. M4I.DE Profitability Analysis
1.1 Basic Checks
- M4I had positive earnings in the past year.
- In the past year M4I had a positive cash flow from operations.
- In the past 5 years M4I has always been profitable.
- In the past 5 years M4I always reported a positive cash flow from operatings.
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.
- Looking at the Return On Equity, with a value of 193.46%, M4I belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- M4I has a better Return On Invested Capital (51.15%) 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 3 year average ROIC (48.09%) for M4I is below the current ROIC(51.15%), indicating increased profibility in the last year.
| 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
- Looking at the Profit Margin, with a value of 45.65%, M4I belongs to the top of the industry, outperforming 90.38% of the companies in the same industry.
- M4I's Profit Margin has improved in the last couple of years.
- With an excellent Operating Margin value of 59.37%, M4I belongs to the best of the industry, outperforming 94.23% of the companies in the same industry.
- M4I's Operating Margin has improved in the last couple of years.
| 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.
- Compared to 1 year ago, M4I has less shares outstanding
- Compared to 5 years ago, M4I has less shares outstanding
- M4I has a better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 10.07 indicates that M4I is not in any danger for 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.
- M4I's Debt to FCF ratio of 1.16 is amongst the best of the industry. M4I outperforms 86.54% 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.
- M4I's Debt to Equity ratio of 2.36 is on the low side compared to the rest of the industry. M4I is outperformed by 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
WACC8.83%
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: 61.54% 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.
- The Quick ratio of M4I (1.03) is comparable to the rest of the industry.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
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.
- 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
- 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 12.15% yearly.
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 29.73, M4I can be considered very expensive at the moment.
- M4I's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 26.77. M4I is around the same levels.
- Based on the Price/Forward Earnings ratio of 25.07, the valuation of M4I can be described as expensive.
- M4I's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 21.75. M4I is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.73 | ||
| Fwd PE | 25.07 |
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 | 27.46 | ||
| 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.
- 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 16.96% in the coming years.
PEG (NY)1.6
PEG (5Y)1.38
EPS Next 2Y17.14%
EPS Next 3Y16.96%
5. M4I.DE Dividend Analysis
5.1 Amount
- M4I has a yearly dividend return of 0.69%, which is pretty low.
- 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
- On average, the dividend of M4I grows each year by 13.71%, which is quite nice.
Dividend Growth(5Y)13.71%
Div Incr Years7
Div Non Decr Years7
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 2Y17.14%
EPS Next 3Y16.96%
M4I.DE Fundamentals: All Metrics, Ratios and Statistics
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 Strength27.33
Industry Growth77.02
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 Cap385.53B
Revenue(TTM)32.79B
Net Income(TTM)14.97B
Analysts83.33
Price Target567.52 (31.28%)
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 | 29.73 | ||
| Fwd PE | 25.07 | ||
| P/S | 13.76 | ||
| P/FCF | 27.46 | ||
| P/OCF | 25.57 | ||
| P/B | 58.33 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.14 |
EPS(TTM)14.54
EY3.36%
EPS(NY)17.25
Fwd EY3.99%
FCF(TTM)15.74
FCFY3.64%
OCF(TTM)16.91
OCFY3.91%
SpS31.41
BVpS7.41
TBVpS-7.07
PEG (NY)1.6
PEG (5Y)1.38
Graham Number49.2401 (-88.61%)
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
WACC8.83%
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.