MASTERCARD INC - A (M4I.DE) Stock Fundamental Analysis
Europe - FRA:M4I - US57636Q1040 - Common Stock
469.95 EUR
-4.4 (-0.93%)
M4I gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 52 industry peers in the Financial Services industry. Both the health and profitability get an excellent rating, making M4I a very profitable company, without any liquidiy or solvency issues. M4I is valied quite expensively at the moment, while it does show a decent growth rate. These ratings would make M4I suitable for quality investing!
1. Profitability
1.1 Basic Checks
M4I had positive earnings in the past year.
In the past year M4I had a positive cash flow from operations.
Each year in the past 5 years M4I has been profitable.
Each year in the past 5 years M4I had a positive operating cash flow.
1.2 Ratios
M4I has a better Return On Assets (26.74%) 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's Return On Invested Capital of 47.55% is amongst the best of the industry. M4I outperforms 100.00% 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 9.75%.
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
M4I has a better Profit Margin (45.28%) than 92.31% of its industry peers.
In the last couple of years the Profit Margin of M4I has remained more or less at the same level.
The Operating Margin of M4I (59.16%) is better than 90.38% 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.
M4I has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, M4I has less shares outstanding
The debt/assets ratio for M4I is higher compared to a year ago.
2.2 Solvency
M4I has an Altman-Z score of 10.55. This indicates that M4I is financially healthy and has little risk of bankruptcy at the moment.
M4I has a better Altman-Z score (10.55) than 94.23% 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 84.62% 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.
M4I has a worse Debt to Equity ratio (2.40) than 73.08% 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 | 10.55 |
ROIC/WACC5.56
WACC8.55%
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 has a Current ratio of 1.12. This is comparable to the rest of the industry: M4I outperforms 40.38% of its industry peers.
M4I has a Quick 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 has a Quick ratio of 1.12. This is comparable to the rest of the industry: M4I outperforms 46.15% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
M4I shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.10%, which is quite good.
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.
The Revenue has grown by 15.60% in the past year. This is quite good.
M4I shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.78% yearly.
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.
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 Y16.07%
EPS Next 2Y16.06%
EPS Next 3Y16.15%
EPS Next 5Y15.33%
Revenue Next Year16.6%
Revenue Next 2Y14.5%
Revenue Next 3Y13.64%
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
M4I is valuated quite expensively with a Price/Earnings ratio of 34.05.
The rest of the industry has a similar Price/Earnings ratio as M4I.
M4I's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 25.89.
With a Price/Forward Earnings ratio of 27.81, M4I can be considered very expensive at the moment.
The rest of the industry has a similar Price/Forward Earnings ratio as M4I.
M4I's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 34.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.05 | ||
| Fwd PE | 27.81 |
4.2 Price Multiples
M4I's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of M4I is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.35 | ||
| EV/EBITDA | 25.77 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive 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 16.15% in the coming years.
PEG (NY)2.12
PEG (5Y)2.54
EPS Next 2Y16.06%
EPS Next 3Y16.15%
5. Dividend
5.1 Amount
With a yearly dividend of 0.55%, M4I is not a good candidate for dividend investing.
M4I's Dividend Yield is comparable with the industry average which is at 3.37.
Compared to an average S&P500 Dividend Yield of 2.44, M4I's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.55% |
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.
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 2Y16.06%
EPS Next 3Y16.15%
FRA:M4I (11/17/2025, 1:08:30 PM)
469.95
-4.4 (-0.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.32%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap424.84B
Revenue(TTM)31.47B
Net Income(TTM)14.25B
Analysts80.42
Price Target574.29 (22.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.55% |
Yearly Dividend2.27
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)2.36%
PT rev (3m)3.3%
EPS NQ rev (1m)1.56%
EPS NQ rev (3m)1.51%
EPS NY rev (1m)0.6%
EPS NY rev (3m)3.32%
Revenue NQ rev (1m)1.11%
Revenue NQ rev (3m)1.04%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)2.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.05 | ||
| Fwd PE | 27.81 | ||
| P/S | 15.72 | ||
| P/FCF | 30.35 | ||
| P/OCF | 28.31 | ||
| P/B | 62.61 | ||
| P/tB | N/A | ||
| EV/EBITDA | 25.77 |
EPS(TTM)13.8
EY2.94%
EPS(NY)16.9
Fwd EY3.6%
FCF(TTM)15.48
FCFY3.29%
OCF(TTM)16.6
OCFY3.53%
SpS29.89
BVpS7.51
TBVpS-6.9
PEG (NY)2.12
PEG (5Y)2.54
Graham Number48.28
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 | 10.55 |
F-Score8
WACC8.55%
ROIC/WACC5.56
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 Y16.07%
EPS Next 2Y16.06%
EPS Next 3Y16.15%
EPS Next 5Y15.33%
Revenue 1Y (TTM)15.6%
Revenue growth 3Y14.26%
Revenue growth 5Y10.78%
Sales Q2Q%16.73%
Revenue Next Year16.6%
Revenue Next 2Y14.5%
Revenue Next 3Y13.64%
Revenue Next 5Y11.67%
EBIT growth 1Y16.51%
EBIT growth 3Y17.33%
EBIT growth 5Y11.15%
EBIT Next Year23.18%
EBIT Next 3Y16.18%
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 7 / 10 to M4I.DE.
What is the valuation status for M4I stock?
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.
Can you provide the PE and PB ratios for M4I stock?
The Price/Earnings (PE) ratio for MASTERCARD INC - A (M4I.DE) is 34.05 and the Price/Book (PB) ratio is 62.61.
What is the earnings growth outlook for MASTERCARD INC - A?
The Earnings per Share (EPS) of MASTERCARD INC - A (M4I.DE) is expected to grow by 16.07% in the next year.