MASTERCARD INC - A (M4I.DE) Stock Fundamental Analysis
FRA:M4I • US57636Q1040
440.5 EUR
-10.2 (-2.26%)
Last: Feb 13, 2026, 07:00 PM
M4I gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 57 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. M4I is valued quite expensively, but it does show have an excellent growth rating. These ratings would make M4I suitable for growth and 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.
- M4I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With an excellent Return On Assets value of 27.64%, M4I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
- 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.
- Measured over the past 3 years, the Average Return On Invested Capital for M4I is significantly above the industry average of 8.99%.
- 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
- With an excellent Profit Margin value of 45.65%, M4I belongs to the best of the industry, outperforming 91.23% of the companies in the same industry.
- M4I's Profit Margin has improved in the last couple of years.
- The Operating Margin of M4I (59.37%) is better than 91.23% 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. Health
2.1 Basic Checks
- M4I has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- Compared to 1 year ago, M4I has less shares outstanding
- M4I has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for M4I has been reduced compared to a year ago.
2.2 Solvency
- M4I has an Altman-Z score of 10.05. This indicates that M4I is financially healthy and has little risk of bankruptcy at the moment.
- M4I has a Altman-Z score of 10.05. This is amongst the best in the industry. M4I outperforms 94.74% 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.
- With an excellent Debt to FCF ratio value of 1.16, M4I belongs to the best of the industry, outperforming 84.21% 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 73.68% of its industry peers.
- Although M4I does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 | 10.05 |
ROIC/WACC6.04
WACC8.47%
2.3 Liquidity
- A Current Ratio of 1.03 indicates that M4I should not have too much problems paying its short term obligations.
- M4I has a worse Current ratio (1.03) than 61.40% of its industry peers.
- 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.
- M4I has a Quick ratio of 1.03. This is in the lower half of the industry: M4I underperforms 61.40% 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 | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 16.50% over the past year.
- The Earnings Per Share has been growing by 21.49% on average over the past years. This is a very strong growth
- The Revenue has grown by 16.42% in the past year. This is quite good.
- 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 15.04% on average per year.
- M4I is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.48% yearly.
EPS Next Y18.13%
EPS Next 2Y16.98%
EPS Next 3Y16.92%
EPS Next 5Y15.04%
Revenue Next Year12.81%
Revenue Next 2Y12.48%
Revenue Next 3Y12.47%
Revenue Next 5Y11.48%
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 30.70, M4I can be considered very expensive at the moment.
- Compared to the rest of the industry, the Price/Earnings ratio of M4I is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 26.68, M4I is valued at the same level.
- The Price/Forward Earnings ratio is 25.99, which means the current valuation is very expensive for M4I.
- 64.91% of the companies in the same industry are cheaper than M4I, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, M4I is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.7 | ||
| Fwd PE | 25.99 |
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 is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.43 | ||
| EV/EBITDA | 23.04 |
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 16.92% in the coming years.
PEG (NY)1.69
PEG (5Y)1.43
EPS Next 2Y16.98%
EPS Next 3Y16.92%
5. Dividend
5.1 Amount
- M4I has a yearly dividend return of 0.66%, which is pretty low.
- M4I's Dividend Yield is comparable with the industry average which is at 2.27.
- Compared to an average S&P500 Dividend Yield of 1.84, M4I's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.66% |
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 Years6
Div Non Decr Years6
5.3 Sustainability
- M4I pays out 18.41% 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.
DP18.41%
EPS Next 2Y16.98%
EPS Next 3Y16.92%
FRA:M4I (2/13/2026, 7:00:00 PM)
440.5
-10.2 (-2.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29 2026-01-29/bmo
Earnings (Next)04-29 2026-04-29/bmo
Inst Owners90.75%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap393.81B
Revenue(TTM)32.79B
Net Income(TTM)14.97B
Analysts82
Price Target563.6 (27.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.66% |
Yearly Dividend2.57
Dividend Growth(5Y)13.71%
DP18.41%
Div Incr Years6
Div Non Decr Years6
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)-0.51%
PT rev (3m)-1.86%
EPS NQ rev (1m)2.6%
EPS NQ rev (3m)2.54%
EPS NY rev (1m)1.95%
EPS NY rev (3m)2.16%
Revenue NQ rev (1m)-0.71%
Revenue NQ rev (3m)-0.53%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.7 | ||
| Fwd PE | 25.99 | ||
| P/S | 14.25 | ||
| P/FCF | 28.43 | ||
| P/OCF | 26.47 | ||
| P/B | 60.38 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.04 |
EPS(TTM)14.35
EY3.26%
EPS(NY)16.95
Fwd EY3.85%
FCF(TTM)15.5
FCFY3.52%
OCF(TTM)16.64
OCFY3.78%
SpS30.92
BVpS7.3
TBVpS-6.96
PEG (NY)1.69
PEG (5Y)1.43
Graham Number48.54
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 | 10.05 |
F-Score8
WACC8.47%
ROIC/WACC6.04
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 Y18.13%
EPS Next 2Y16.98%
EPS Next 3Y16.92%
EPS Next 5Y15.04%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y13.82%
Revenue growth 5Y16.47%
Sales Q2Q%17.59%
Revenue Next Year12.81%
Revenue Next 2Y12.48%
Revenue Next 3Y12.47%
Revenue Next 5Y11.48%
EBIT growth 1Y17.87%
EBIT growth 3Y14.9%
EBIT growth 5Y18.9%
EBIT Next Year19.27%
EBIT Next 3Y12.48%
EBIT Next 5Y12.72%
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 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.
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 9 / 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 18.41%.