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Upturn AI SWOT - About
MA 
Mastercard Inc (MA)
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Upturn Advisory Summary
12/01/2025: 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 $656.51
1 Year Target Price $656.51
| 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 12/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 491.76B USD | Price to earnings Ratio 34.71 | 1Y Target Price 656.51 |
Price to earnings Ratio 34.71 | 1Y Target Price 656.51 | ||
Volume (30-day avg) 42 | Beta 0.87 | 52 Weeks Range 463.61 - 600.98 | Updated Date 12/1/2025 |
52 Weeks Range 463.61 - 600.98 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 0.55% | Basic EPS (TTM) 15.67 |
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 45.28% | Operating Margin (TTM) 59.8% |
Management Effectiveness
Return on Assets (TTM) 23.05% | Return on Equity (TTM) 184.86% |
Valuation
Trailing PE 34.71 | Forward PE 28.9 | Enterprise Value 502708654198 | Price to Sales(TTM) 15.62 |
Enterprise Value 502708654198 | Price to Sales(TTM) 15.62 | ||
Enterprise Value to Revenue 15.97 | Enterprise Value to EBITDA 25.89 | Shares Outstanding 891258183 | Shares Floating 889985725 |
Shares Outstanding 891258183 | Shares Floating 889985725 | ||
Percent Insiders 0.52 | Percent Institutions 90.85 |
Upturn AI SWOT
Mastercard Inc
Company Overview
History and Background
Mastercard Inc. was founded in 1966 as Interbank Card Association (ICA). Initially, it was a competitor to BankAmericard (now Visa). Over the decades, it transformed into a global payment technology company, undergoing several name changes and expanding its services beyond credit cards.
Core Business Areas
- Payment Solutions: Provides a range of payment solutions including credit, debit, and prepaid cards. Facilitates transactions between merchants, banks, and consumers globally.
- Data & Analytics Services: Offers data analytics, consulting, and risk management services to financial institutions, merchants, and governments. Provides insights into consumer spending patterns and market trends.
- Cyber & Intelligence Solutions: Provides security solutions to protect against fraud and cyber threats.
- Processing Services: Transaction processing, clearing and settlement, and network access services.
Leadership and Structure
Michael Miebach serves as the Chief Executive Officer. The company operates with a board of directors and a structured executive leadership team overseeing various business segments and functions.
Top Products and Market Share
Key Offerings
- Mastercard Credit Cards: Credit cards offered through various partner banks. They offer payment services, rewards, and credit lines to consumers. Market share is significant but varies regionally. Competitors include Visa, American Express, and Discover.
- Mastercard Debit Cards: Debit cards linked to bank accounts, enabling direct payments. Competitors include Visa, and increasingly, digital wallets like Apple Pay and Google Pay.
- Prepaid Cards: Prepaid cards offer an alternative to bank accounts, often used for payroll, government benefits, and general spending. Competitors include Visa, American Express and others in the prepaid card market.
- Payment Gateway Services: Offers secure payment gateway services for online merchants, facilitates online transactions. Competitors include Adyen, Stripe, and PayPal.
Market Dynamics
Industry Overview
The payment processing industry is experiencing growth driven by increasing digital transactions, e-commerce expansion, and the adoption of contactless payments. The industry is also becoming more competitive with the emergence of fintech companies and alternative payment methods.
Positioning
Mastercard is a leading global payment technology company, positioned as a key enabler of digital commerce. Its competitive advantages include its established network, brand recognition, and partnerships with financial institutions.
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 portion of this TAM through its existing network and strategic expansion into new markets and technologies.
Upturn SWOT Analysis
Strengths
- Global Brand Recognition
- Extensive Payment Network
- Strong Partnerships with Financial Institutions
- Innovation in Payment Technologies
- Robust Data Analytics Capabilities
Weaknesses
- Dependence on Bank Partnerships
- Exposure to Economic Downturns
- Vulnerability to Cyber Security Threats
- Higher Merchant Fees Compared to Some Alternatives
- Slower Adoption in Some Emerging Markets
Opportunities
- Expansion into Emerging Markets
- Growth in E-commerce and Digital Payments
- Development of New Payment Solutions
- Strategic Acquisitions and Partnerships
- Increased Adoption of Contactless Payments
Threats
- Increased Competition from Fintech Companies
- Regulatory Changes and Compliance Costs
- Cybersecurity Risks and Data Breaches
- Economic Uncertainty and Reduced Consumer Spending
- Disruption from Alternative Payment Methods (e.g., Cryptocurrencies)
Competitors and Market Share
Key Competitors
- Visa Inc (V)
- American Express Co (AXP)
- PayPal Holdings Inc (PYPL)
Competitive Landscape
Mastercard faces intense competition from Visa, American Express, and emerging fintech companies. Mastercard's advantages include its global network, brand recognition, and partnerships. However, competitors may offer lower fees or more innovative payment solutions.
Major Acquisitions
Ekata
- Year: 2021
- Acquisition Price (USD millions): 850
- Strategic Rationale: Enhanced identity verification capabilities and fraud prevention services.
Nets' account-to-account payment business
- Year: 2020
- Acquisition Price (USD millions): 3190
- Strategic Rationale: Expanded presence in the European payments market and enhanced account-to-account payment capabilities.
Growth Trajectory and Initiatives
Historical Growth: Mastercard has experienced significant growth in recent years, driven by the increasing adoption of digital payments and expansion into new markets. Specific growth rates depend on the period analyzed.
Future Projections: Analyst estimates suggest continued growth for Mastercard, driven by trends like e-commerce expansion, digital payments, and strategic partnerships. Specific growth rates depend on analyst forecasts.
Recent Initiatives: Recent initiatives include partnerships with fintech companies, investments in new payment technologies, and expansion into emerging markets. They are looking at BNPL and cryptocurrency integrations.
Summary
Mastercard is a strong company with a well-established global payment network and brand recognition. Its growth is driven by the increasing adoption of digital payments. However, it faces increasing competition from fintech companies and needs to navigate evolving regulations and cybersecurity threats. They are looking for more partnerships to grow its global presence.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Financial Statements
- Market Research Reports
- Analyst Estimates
- Company Press Releases
- Public Filings
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. Consult with a qualified financial advisor before making any investment decisions.
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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