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Upturn AI SWOT - About
MA 
Mastercard Inc (MA)
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Upturn Advisory Summary
10/31/2025: 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 $653.58
1 Year Target Price $653.58
| 21 | Strong Buy |
| 9 | Buy |
| 11 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.35% | Avg. Invested days 56 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 497.20B USD | Price to earnings Ratio 35.34 | 1Y Target Price 653.58 |
Price to earnings Ratio 35.34 | 1Y Target Price 653.58 | ||
Volume (30-day avg) 42 | Beta 0.97 | 52 Weeks Range 463.61 - 600.98 | Updated Date 10/31/2025 |
52 Weeks Range 463.61 - 600.98 | Updated Date 10/31/2025 | ||
Dividends yield (FY) 0.14% | Basic EPS (TTM) 15.62 |
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 2025-10-30 | When Before Market | Estimate 4.31 | Actual 4.38 |
Profitability
Profit Margin 45.28% | Operating Margin (TTM) 59.8% |
Management Effectiveness
Return on Assets (TTM) 23.28% | Return on Equity (TTM) 184.86% |
Valuation
Trailing PE 35.34 | Forward PE 30.67 | Enterprise Value 531516153854 | Price to Sales(TTM) 15.8 |
Enterprise Value 531516153854 | Price to Sales(TTM) 15.8 | ||
Enterprise Value to Revenue 17.58 | Enterprise Value to EBITDA 29.22 | Shares Outstanding 891258183 | Shares Floating 892017000 |
Shares Outstanding 891258183 | Shares Floating 892017000 | ||
Percent Insiders 0.51 | Percent Institutions 89.74 |
Upturn AI SWOT
Mastercard Inc
Company Overview
History and Background
Mastercard Inc. was founded as Interbank Card Association in 1966 by several banks to compete with BankAmericard (now Visa). It was renamed Mastercard in 1979. Mastercard has grown through strategic partnerships and acquisitions, evolving into a global payments technology leader.
Core Business Areas
- Payment Solutions: Provides transaction processing and other payment-related services, including credit, debit, and prepaid card programs.
- Data & Services: Offers data analytics, consulting, and other value-added services to merchants and financial institutions.
Leadership and Structure
The CEO of Mastercard is Michael Miebach. The company operates with a global organizational structure, including regional divisions and functional departments such as technology, sales, and marketing.
Top Products and Market Share
Key Offerings
- Credit Cards: Mastercard credit cards are offered through various banks and financial institutions worldwide. Mastercard has approximately 25% global market share of credit card payments. Competitors include Visa, American Express, and Discover.
- Debit Cards: Mastercard debit cards allow consumers to make purchases directly from their bank accounts. Competitors include Visa, Maestro.
- Prepaid Cards: Mastercard prepaid cards offer a convenient way to manage spending and are used for various purposes, including payroll and government benefits distribution. Competitors include Visa, American Express.
Market Dynamics
Industry Overview
The payments industry is undergoing significant changes driven by digital transformation, including the rise of mobile payments, e-commerce, and fintech innovation.
Positioning
Mastercard Inc. is a leading player in the payments industry, with a strong global brand and a wide range of products and services. Its competitive advantages include its extensive network, technology infrastructure, and partnerships.
Total Addressable Market (TAM)
The global payments market is expected to reach several trillion USD. Mastercard is positioned to capture a significant share of this TAM through innovation in digital payments and expansion into new markets.
Upturn SWOT Analysis
Strengths
- Global Brand Recognition
- Extensive Payment Network
- Strong Technology Infrastructure
- Strategic Partnerships
- Diversified Revenue Streams
Weaknesses
- Dependence on Financial Institutions
- Exposure to Economic Fluctuations
- Vulnerability to Cybersecurity Threats
- Regulatory Scrutiny
- Pricing Pressure
Opportunities
- Expansion into Emerging Markets
- Growth of E-Commerce
- Adoption of Mobile Payments
- Development of New Payment Technologies
- Partnerships with Fintech Companies
Threats
- Intense Competition
- Disruptive Technologies
- Changing Consumer Preferences
- Economic Downturns
- Cybersecurity Breaches
Competitors and Market Share
Key Competitors
- V
- AXP
- DFS
Competitive Landscape
Mastercard Inc. is a strong competitor in the payments industry, with a wide range of products and services. It competes with Visa, American Express, and other payment networks. Mastercard's strengths include its global brand, extensive network, and technology infrastructure. However, it faces challenges from intense competition, disruptive technologies, and changing consumer preferences.
Major Acquisitions
Ekata
- Year: 2021
- Acquisition Price (USD millions): 850
- Strategic Rationale: Enhanced Mastercard's identity verification capabilities.
Growth Trajectory and Initiatives
Historical Growth: Mastercard Inc. has experienced consistent growth in revenue and earnings over the past decade, driven by its global expansion and innovation in digital payments.
Future Projections: Analysts project continued growth for Mastercard Inc. in the coming years, driven by the increasing adoption of digital payments and the company's strategic initiatives.
Recent Initiatives: Recent strategic initiatives include partnerships with fintech companies, expansion into new markets, and investments in new technologies, such as blockchain and artificial intelligence.
Summary
Mastercard is a strong company with a well-established global brand and an extensive payments network, facilitating continued growth. Its innovation in digital payments and strategic partnerships position it well for the future. However, it should be aware of intense competition, regulatory scrutiny, and cybersecurity threats. The financial performance demonstrates healthy revenue and consistent cash flow.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
Disclaimers:
This analysis is based on available data and analyst estimates. It is not financial advice.
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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