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Upturn AI SWOT - About
MA 
Mastercard Inc (MA)
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Upturn Advisory Summary
08/28/2025: MA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $644.18
1 Year Target Price $644.18
| 21 | Strong Buy |
| 9 | Buy |
| 11 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 21.12% | Avg. Invested days 53 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 538.15B USD | Price to earnings Ratio 40.17 | 1Y Target Price 644.18 |
Price to earnings Ratio 40.17 | 1Y Target Price 644.18 | ||
Volume (30-day avg) 42 | Beta 1.03 | 52 Weeks Range 464.22 - 601.77 | Updated Date 08/29/2025 |
52 Weeks Range 464.22 - 601.77 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 0.50% | Basic EPS (TTM) 14.82 |
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 2025-07-31 | When Before Market | Estimate 4.02 | Actual 4.15 |
Profitability
Profit Margin 44.93% | Operating Margin (TTM) 59.92% |
Management Effectiveness
Return on Assets (TTM) 23.68% | Return on Equity (TTM) 176.95% |
Valuation
Trailing PE 40.17 | Forward PE 36.9 | Enterprise Value 547752206446 | Price to Sales(TTM) 17.8 |
Enterprise Value 547752206446 | Price to Sales(TTM) 17.8 | ||
Enterprise Value to Revenue 18.11 | Enterprise Value to EBITDA 30.11 | Shares Outstanding 897273984 | Shares Floating 896002292 |
Shares Outstanding 897273984 | Shares Floating 896002292 | ||
Percent Insiders 0.51 | Percent Institutions 90.45 |
Upturn AI SWOT
Mastercard Inc
Company Overview
History and Background
Mastercard was founded in 1966 as Interbank Card Association (ICA). It evolved from a cooperative of several banks to become a publicly traded company, Mastercard Incorporated, in 2006. It has grown into a global payment technology solutions company, facilitating transactions worldwide.
Core Business Areas
- Payment Solutions: Includes credit, debit, and prepaid card payment solutions offered to consumers and businesses through financial institutions.
- Network Services: Encompasses the operation of the Mastercard network, processing transactions, and providing fraud prevention and security solutions.
- Value-Added Services: Includes data analytics, consulting, loyalty programs, and other services designed to enhance customer relationships and streamline operations for businesses and financial institutions.
Leadership and Structure
Michael Miebach is the Chief Executive Officer. The company has a board of directors and operates with a functional organizational structure, encompassing various departments such as technology, sales, marketing, and finance.
Top Products and Market Share
Key Offerings
- Credit Cards: A wide range of credit card options for consumers and businesses. Mastercard holds approximately 22% global market share of credit card purchase volume (2023). Competitors are Visa, American Express, and Discover.
- Debit Cards: Facilitates everyday transactions through debit cards linked to bank accounts. Mastercard holds about 26% global market share of debit card purchase volume (2023). Competitors are Visa, American Express, and Discover.
- Prepaid Cards: Offers prepaid card solutions for various purposes, including payroll, gifting, and government disbursements. The market share data specific to prepaid is less readily available but is a smaller percentage of overall payment volume.
Market Dynamics
Industry Overview
The payment processing industry is characterized by increasing digital transactions, growing e-commerce, and a shift towards contactless payments. FinTech innovation and increasing competition from new players are also shaping the industry.
Positioning
Mastercard is a leading player in the global payment processing industry, with a strong brand recognition and a vast network of merchants and financial institutions. Its competitive advantages include its scale, technology infrastructure, and security solutions.
Total Addressable Market (TAM)
The global digital payments market is projected to reach several trillion dollars. Mastercard is well positioned within this TAM, focusing on innovating digital payment solutions and strategic partnerships to expand its market reach.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive global network
- Advanced technology infrastructure
- Robust security solutions
- Strong partnerships with financial institutions
Weaknesses
- Vulnerable to cybersecurity threats
- Dependent on economic conditions
- Subject to regulatory scrutiny
- Intense competition
Opportunities
- Growing digital payment adoption
- Expanding into emerging markets
- Developing new payment technologies
- Acquiring complementary businesses
- Partnerships with FinTech companies
Threats
- Increased competition from new payment methods (e.g., cryptocurrencies)
- Regulatory changes
- Economic downturns
- Data breaches
- Geopolitical instability
Competitors and Market Share
Key Competitors
- Visa (V)
- American Express (AXP)
- Discover (DFS)
Competitive Landscape
Mastercard competes with Visa, American Express, and Discover. Visa has a slightly larger market share. American Express focuses on higher-spending customers. Mastercard focuses on expanding globally and growing it's digital payments solutions.
Major Acquisitions
Ekata
- Year: 2021
- Acquisition Price (USD millions): 850
- Strategic Rationale: To enhance Mastercard's identity verification capabilities and fraud prevention solutions.
Nets A/S (Corporate Services)
- Year: 2019
- Acquisition Price (USD millions): 3190
- Strategic Rationale: To expand Mastercard's presence in the Nordics and strengthen its real-time payments infrastructure.
Growth Trajectory and Initiatives
Historical Growth: Mastercard has experienced consistent growth in revenue and transaction volume due to the increasing adoption of digital payments and expansion into new markets.
Future Projections: Analysts project continued growth for Mastercard, driven by the ongoing shift to digital payments, expansion of e-commerce, and partnerships with FinTech companies.
Recent Initiatives: Recent initiatives include investments in new technologies, expansion of its network in emerging markets, and partnerships to enhance its digital payment offerings.
Summary
Mastercard is a strong player in the payment processing industry, benefiting from its global network and brand recognition. Its strategic acquisitions and focus on digital payments are working well. The company needs to stay ahead of fintech innovations, cybersecurity threats and the growing adoption of alternative payment methods.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
- News Articles
- Third Party Research
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market data and analyst estimates are subject to change and may not be accurate. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.
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.
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