Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
MA 
Mastercard Inc (MA)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
07/02/2025: MA (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
42 Analysts rated it
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $621.58
1 Year Target Price $621.58
| 21 | Strong Buy |
| 9 | Buy |
| 11 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 17.77% | Avg. Invested days 60 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 512.71B USD | Price to earnings Ratio 39.57 | 1Y Target Price 621.58 |
Price to earnings Ratio 39.57 | 1Y Target Price 621.58 | ||
Volume (30-day avg) 42 | Beta 1.05 | 52 Weeks Range 426.97 - 594.71 | Updated Date 07/1/2025 |
52 Weeks Range 426.97 - 594.71 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 0.54% | Basic EPS (TTM) 14.27 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 45.21% | Operating Margin (TTM) 59.31% |
Management Effectiveness
Return on Assets (TTM) 23.36% | Return on Equity (TTM) 187.7% |
Valuation
Trailing PE 39.57 | Forward PE 35.34 | Enterprise Value 521195679436 | Price to Sales(TTM) 17.64 |
Enterprise Value 521195679436 | Price to Sales(TTM) 17.64 | ||
Enterprise Value to Revenue 17.93 | Enterprise Value to EBITDA 30.02 | Shares Outstanding 901262976 | Shares Floating 900038643 |
Shares Outstanding 901262976 | Shares Floating 900038643 | ||
Percent Insiders 0.51 | Percent Institutions 90.28 |
Upturn AI SWOT
Mastercard Inc
Company Overview
History and Background
Mastercard Inc. was founded in 1966 as Interbank Card Association (ICA) by a group of banks as a competitor to Visa. It rebranded to Mastercard in 1979. Over the years, it has evolved from a credit card association to a global payments technology company.
Core Business Areas
- Payment Solutions: This segment includes a wide range of payment products and services, such as credit, debit, and prepaid cards, as well as payment processing services for merchants and financial institutions.
- Data & Services: This segment provides data analytics, consulting, and risk management services to help clients improve their payment strategies and operations.
Leadership and Structure
Michael Miebach is the CEO. The company has a hierarchical structure with various departments and regional divisions reporting to the executive leadership team.
Top Products and Market Share
Key Offerings
- Credit Cards: Mastercard offers a variety of credit card options through its issuing bank partners. Mastercard and Visa both have around 38.7% market share of all credit card purchase volume. Competitors include Visa, American Express, and Discover.
- Market Share (%): 38.7
- Debit Cards: Mastercard's debit cards are widely used for everyday transactions. Mastercard has a 25% market share of debit card volume. Competitors include Visa, Interlink, and STAR.
- Market Share (%): 25
- Prepaid Cards: Mastercard offers prepaid cards for various purposes, including travel, gifting, and government benefits. Competitors include Visa, American Express, and Discover.
Market Dynamics
Industry Overview
The global payments industry is experiencing rapid growth, driven by the increasing adoption of digital payments and e-commerce. Key trends include contactless payments, mobile wallets, and real-time payments.
Positioning
Mastercard is a leading player in the global payments industry, with a strong brand reputation and a vast network of merchants and financial institutions. Its competitive advantages include its global reach, innovative payment solutions, and data analytics capabilities.
Total Addressable Market (TAM)
The global payments market is estimated to be in the trillions of dollars. Mastercard is well-positioned to capture a significant share of this market through its various payment solutions and strategic partnerships.
Upturn SWOT Analysis
Strengths
- Global Brand Recognition
- Extensive Network of Merchants and Financial Institutions
- Innovative Payment Solutions
- Strong Data Analytics Capabilities
- Financial Stability
Weaknesses
- Dependence on Financial Institutions
- Exposure to Regulatory Changes
- Vulnerability to Cybersecurity Threats
- Competition from Emerging Fintech Companies
Opportunities
- Expansion into Emerging Markets
- Growth in Digital Payments
- Development of New Payment Technologies
- Strategic Partnerships with Fintech Companies
- Increased adoption of blockchain technology
Threats
- Increased Competition from Visa and Other Payment Providers
- Economic Downturns
- Cybersecurity Breaches
- Changes in Consumer Spending Habits
- Regulatory Scrutiny
Competitors and Market Share
Key Competitors
- V (Visa Inc)
- AXP (American Express)
- DFS (Discover Financial Services)
Competitive Landscape
Mastercard is one of the two largest players in the global payments industry, competing primarily with Visa. It differentiates itself through its innovative payment solutions, data analytics capabilities, and strategic partnerships.
Major Acquisitions
Ekata
- Year: 2021
- Acquisition Price (USD millions): 850
- Strategic Rationale: Enhanced identity verification and fraud prevention capabilities.
Growth Trajectory and Initiatives
Historical Growth: Mastercard has experienced consistent revenue and earnings growth over the past decade, driven by the increasing adoption of digital payments.
Future Projections: Analyst estimates suggest that Mastercard will continue to grow at a healthy pace in the coming years, driven by the increasing adoption of digital payments and its expansion into new markets.
Recent Initiatives: Recent strategic initiatives include partnerships with fintech companies, investments in new payment technologies, and expansion into emerging markets.
Summary
Mastercard is a strong player in the global payments industry, benefiting from its extensive network and brand recognition. The company's innovative payment solutions and strategic partnerships contribute to its growth. However, increasing competition and regulatory scrutiny pose potential challenges, but Mastercard is in a strong position to overcome these challenges.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Mastercard Investor Relations
- Market Research Reports (e.g., from IBISWorld, Statista)
- Analyst Reports
- Company Website
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market data is subject to change and may not be completely accurate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Mastercard Inc
Exchange NYSE | Headquaters Purchase, NY, United States | ||
IPO Launch date 2006-05-25 | CEO & Director Mr. Michael Miebach | ||
Sector Financial Services | Industry Credit Services | Full time employees 35300 | Website https://www.mastercard.com |
Full time employees 35300 | Website https://www.mastercard.com | ||
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. The company offers integrated products and value-added services for account holders, merchants, financial institutions, digital partners, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid programs services; consumer bill payment services; and commercial credit, debit, and prepaid payment products and solutions. It also provides solutions that enable businesses or governments to make payments to businesses, including Virtual Card Number, which is generated dynamically from a physical card and leverages the credit limit of the funding account; and a platform to optimize supplier payment enablement campaigns for financial institutions. In addition, the company offers Mastercard Move, which partners with digital messaging and payment platforms to enable consumers to send money directly within applications to other consumers; and partners with central banks, fintechs and financial institutions to help governments and nonprofits, as well as enables various cross-border payment flows. Further, it provides security solutions; personalization, issuer and merchant loyalty, and marketing services; advanced analytics, business intelligence, economic and location-based insights, payments consulting, and operational insights services; processing and gateway solutions; and open banking services. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus names. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.