MASTERCARD INC - A (M4I.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:M4I - US57636Q1040 - Common Stock
447.2 EUR
-4.8 (-1.06%)
Overall M4I gets a fundamental rating of 7 out of 10. We evaluated M4I against 60 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 quite expensive at the moment. It does show a decent growth rate. With these ratings, M4I could be worth investigating further for quality investing!.
1. Profitability
1.1 Basic Checks
- In the past year M4I was profitable.
- In the past year M4I had a positive cash flow from operations.
- 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
- M4I has a better Return On Assets (26.74%) than 98.33% of its industry peers.
- The Return On Equity of M4I (180.29%) is better than 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 10.51%.
- 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
- Looking at the Profit Margin, with a value of 45.28%, M4I belongs to the top of the industry, outperforming 91.67% 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 91.67% 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.
- The number of shares outstanding for M4I has been reduced compared to 1 year ago.
- Compared to 5 years ago, M4I has less shares outstanding
- Compared to 1 year ago, M4I has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 10.25 indicates that M4I is not in any danger for bankruptcy at the moment.
- M4I has a better Altman-Z score (10.25) than 93.33% 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.
- Looking at the Debt to FCF ratio, with a value of 1.16, M4I belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
- 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 71.67% 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 | 10.25 |
ROIC/WACC5.5
WACC8.65%
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.
- Looking at the Current ratio, with a value of 1.12, M4I is in line with its industry, outperforming 48.33% of the companies in the same industry.
- A Quick Ratio of 1.12 indicates that M4I should not have too much problems paying its short term obligations.
- M4I has a Quick ratio (1.12) which is in line with 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
- 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.
- M4I shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.60%.
- 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
- The Earnings Per Share is expected to grow by 15.33% on average over the next years. This is quite good.
- The Revenue is expected to grow by 11.67% on average over the next years. This is quite good.
EPS Next Y16.34%
EPS Next 2Y16.18%
EPS Next 3Y16.23%
EPS Next 5Y15.33%
Revenue Next Year16.74%
Revenue Next 2Y14.65%
Revenue Next 3Y13.78%
Revenue Next 5Y11.67%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- M4I is valuated quite expensively with a Price/Earnings ratio of 32.64.
- The rest of the industry has a similar Price/Earnings ratio as M4I.
- Compared to an average S&P500 Price/Earnings ratio of 27.32, M4I is valued at the same level.
- The Price/Forward Earnings ratio is 26.62, which means the current valuation is very expensive for M4I.
- Based on the Price/Forward Earnings ratio, M4I is valued a bit more expensive than 60.00% of the companies in the same industry.
- M4I is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 24.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.64 | ||
| Fwd PE | 26.62 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as M4I.
- M4I's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.91 | ||
| EV/EBITDA | 24.6 |
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.
- M4I's earnings are expected to grow with 16.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)2
PEG (5Y)2.43
EPS Next 2Y16.18%
EPS Next 3Y16.23%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.64%, M4I is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 1.95, M4I has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.83, M4I's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.64% |
5.2 History
- On average, the dividend of M4I grows each year by 14.95%, which is quite nice.
Dividend Growth(5Y)14.95%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
- 18.79% 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.
DP18.79%
EPS Next 2Y16.18%
EPS Next 3Y16.23%
FRA:M4I (1/22/2026, 7:00:00 PM)
447.2
-4.8 (-1.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)01-29 2026-01-29/amc
Inst Owners90.75%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap401.59B
Revenue(TTM)31.47B
Net Income(TTM)14.25B
Analysts81.22
Price Target577.98 (29.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.64% |
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)0.72%
PT rev (3m)3.02%
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)-0.02%
Revenue NQ rev (3m)1.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.64 | ||
| Fwd PE | 26.62 | ||
| P/S | 14.98 | ||
| P/FCF | 28.91 | ||
| P/OCF | 26.97 | ||
| P/B | 59.64 | ||
| P/tB | N/A | ||
| EV/EBITDA | 24.6 |
EPS(TTM)13.7
EY3.06%
EPS(NY)16.8
Fwd EY3.76%
FCF(TTM)15.47
FCFY3.46%
OCF(TTM)16.58
OCFY3.71%
SpS29.86
BVpS7.5
TBVpS-6.89
PEG (NY)2
PEG (5Y)2.43
Graham Number48.08
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 | 10.25 |
F-Score8
WACC8.65%
ROIC/WACC5.5
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 Year16.74%
Revenue Next 2Y14.65%
Revenue Next 3Y13.78%
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 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 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%.