What is Mastercard Incorporated's (MA) StockRank?

MoatMap's StockRank for Mastercard Incorporated (MA) is 29/100, with a Sell signal. This is a composite score combining Quality (74), Value (14), and Momentum (33) factor ranks across MoatMap's 20,000+ stock universe.

Does Mastercard Incorporated have an economic moat?

Mastercard Incorporated (MA) has a Quality factor score of 74/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Mastercard Incorporated a buy, hold, or sell?

MoatMap's current signal for Mastercard Incorporated (MA) is Sell, based on a StockRank of 29/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Mastercard Incorporated in?

Mastercard Incorporated (MA) operates in the Financial Services sector, specifically the Credit Services industry (United States).

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MA

SELLAPPROVE

Mastercard Incorporated · Financial Services · United States · $436.3B · Avg Vol: $1.9B/d

StockRank

P/E (TTM)

28.3x

ROE

232.1%

D/E

2.8x

Dividend %

0.7%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Mastercard is the ultimate Terry Smith and Warren Buffett quality compounder. It possesses an un-copyable global duopoly moat with massive network effects and incredible pricing power. Operating as an asset-light royalty on global consumption, it is a natural inflation hedge. With a stellar quality score of 74, its ability to consistently generate high ROIC and free cash flow provides an unmatched margin of safety and asymmetric defensive growth in a volatile macro environment.

COMPANY DESCRIPTION

Mastercard Incorporated is a global technology company that powers electronic payments, connecting consumers, financial institutions, merchants, governments, and businesses across more than 210 countries and territories. Its formidable network effect, trusted brand, and highly secure payment processing infrastructure provide a deep competitive moat in the global financial services industry.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	22.2B	25.1B	28.2B	32.8B	13.8%
EPS	10.26	11.86	13.91	16.54	17.3%
Shares	1.4B	1.4B	1.4B	1.4B	+0.4%
Debt	14.0B	15.7B	18.2B	19.0B	10.7%
Equity	6.3B	6.9B	6.5B	7.7B	7.1%
Op CF	11.2B	12.0B	14.8B	17.6B	16.4%
Inv CF	-1.5B	-1.4B	-3.4B	-1.4B	—
Fin CF	-10.3B	-9.5B	-10.8B	-14.2B	—

PRICE (1M)-2.2%

SMA 50SMA 200

$489.79

RSI (14)

47.8

52W High

$599.05

From 52W High

0.8%

SCORE BREAKDOWN

Quality

ROIC

61.5%99.8

ROE

232.1%99.6

GP/Assets

62.7%96.7

Op. Margin

60.8%82.0

FCF/Assets

29.8%96.7

Piotroski

—68.0

Int. Cover

26.7x70.6

D/E Ratio

2.82x11.5

Current Ratio

0.98x23.7

Value

P/E (TTM)

28.3x14.2

EV/EBITDA

20.8x10.6

P/FCF

27.0x23.5

P/B

64.7x1.7

P/S

12.8x9.7

Div Yield

0.7%17.4

Momentum

52W High %

82%29.6

RS 6M

-24%19.0

SMA 50/200

0.93x16.9

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+32%61.4

Q Growth

18%55.1

FUNDAMENTALS

Market Cap

$436.3B

P/E (Forward)

21.5x

Gross Margin

100.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of MA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
MA	Mastercard Incorporated(you)	$436.3B	29	SELL
AXP	American Express Company	$215.0B	29	SELL
V.MX	Visa Inc.	$629.1B	44	HOLD
COF	Capital One Financial Corporation	$116.4B	15	STRONG SELL
AFRM	Affirm Holdings, Inc.	$24.4B	29	SELL
2PP.DE	PayPal Holdings, Inc.	$39.8B	47	HOLD
SYF	Synchrony Financial	$24.0B	37	HOLD
SOFI.MX	SoFi Technologies, Inc.	$23.7B	15	STRONG SELL
8593.T	Mitsubishi HC Capital Inc.	$12.8B	16	STRONG SELL
5871.TW	Chailease Holding Company Limited	$5.9B	31	SELL

Peer medians: ROE 10.1% · P/E 12.8x · Gross margin 16.9%

Mastercard Incorporated (MA) — Stock Score Summary

Mastercard Incorporated (MA) has a MoatMap StockRank of 29/100 based on Quality (74/100), Value (14/100), and Momentum (33/100) factor scores. The current signal is SELL. Mastercard is the ultimate Terry Smith and Warren Buffett quality compounder. It possesses an un-copyable global duopoly moat with massive network effects and incredible pricing power. Operating as an asset-light royalty on global consumption, it is a natural inflation hedge. With a stellar quality score of 74, its ability to consistently generate high ROIC and free cash flow provides an unmatched margin of safety and asymmetric defensive growth in a volatile macro environment.

Key Financial Metrics

Price	$489.79
Market Cap	$436.3B
P/E (TTM)	28.32
P/E (Forward)	21.51
Price/Book	64.68
Return on Equity	232.1%
Return on Invested Capital	61.5%
Debt/Equity	282.06
Gross Margin	100.0%
Operating Margin	60.8%
Revenue Growth	15.8%
Dividend Yield	0.7%
Free Cash Flow	$16.1B

Mastercard Incorporated operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Mastercard Incorporated’s (MA) StockRank?: MoatMap’s StockRank for Mastercard Incorporated (MA) is 29/100, with a Sell signal. It is a composite of Quality (74), Value (14), and Momentum (33) factor ranks across MoatMap’s 20,000+ stock universe.
Does Mastercard Incorporated have an economic moat?: Mastercard Incorporated (MA) has a Quality factor score of 74/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Mastercard Incorporated a buy, hold, or sell?: MoatMap’s current signal for Mastercard Incorporated (MA) is Sell, based on a StockRank of 29/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Mastercard Incorporated in?: Mastercard Incorporated (MA) operates in the Financial Services sector, specifically the Credit Services industry (United States).