Mastercard Incorporated (MA) Stock Score, Valuation & Financial Research

Mastercard Incorporated is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 48/100.

Quick answer for MA

Mastercard Incorporated currently has a Wall Street Score of 48/100. The stored market price is USD 610.31. Its financial score is 33/100. Its valuation score is 36/100. The latest WSS change is -0.7 points. These figures are a research snapshot, not a buy or sell recommendation.

What Mastercard Incorporated does

Mastercard Incorporated is a global technology firm specializing in providing transaction processing and a wide array of payment solutions, operating across the United States and internationally. Its core business centers on enabling the entire payment transaction lifecycle – including authorization, clearing, and settlement – alongside offering a spectrum of complementary payment services. The company provides a comprehensive suite of integrated products and value-added services to a diverse clientele, which includes individual account holders, merchants, financial institutions, businesses, governments, and other organizations. These offerings span programs enabling deferred payment credit, prepaid card management services, commercial credit and debit solutions, and tools for accessing funds in deposit and other accounts. Additionally, Mastercard offers advanced cyber and intelligence solutions designed to secure transactions for all participants, and provides proprietary insights derived from the responsible utilization of consumer and merchant data. For online merchants, its specialized offerings encompass analytics, experimental "test and learn" platforms, consulting, managed services, loyalty programs, payment processing, and secure gateway technologies. The company also operates open banking and digital identity platforms. Its prominent payment solutions are delivered under the MasterCard, Maestro, and Cirrus brands. Established in 1966, Mastercard Incorporated is headquartered in Purchase, New York.

MA financial snapshot

Statement amounts: USD. Quote amounts: USD. No exchange-rate conversion is performed in this snapshot. Market-capitalization currency is not supplied by this projection.

Wall Street Score:

48/100

Stored price:

USD 610.31

Market capitalization:

534.64B (currency not supplied)

Revenue:

USD 35.08B

Net income:

USD 16.26B

Free cash flow:

USD 16.91B

Cash:

USD 11.29B

Total debt:

USD 24.64B

EPS:

USD 18.21

P/E ratio:

33.5x

Financial score:

33/100

Valuation score:

36/100

Revenue score:

41/100

What stands out

• Reported year-over-year revenue growth is +7.0%.
• Free cash flow is USD 16.91B, positive for the stored period.
• The balance sheet shows USD 11.29B of cash versus USD 24.64B of total debt, with debt exceeding cash on these two reported measures.
• The latest Wall Street Score change is -0.7 points: MA decreased 0.7 points because Valuation declined by 2.9 points.

Company-specific financial comparisons

The following are calculated from saved company data, not forecasts or statements about future performance. Differences in reporting dates or units can make a ratio misleading; verify the original filings.

• Free cash flow is 48.2% of stored revenue. This is a simple cross-field ratio, not a verified same-period cash conversion margin; confirm reporting periods before comparison.
• Net income equals 46.3% of stored revenue. This is an indicative ratio only; accounting periods and units should be verified in filings.
• Debt exceeds cash by USD 13.35B using the stored balance-sheet values. This does not include other obligations or restricted cash.

Questions worth answering for MA

Use these questions to check the stored figures against the latest company filings. They identify issues to investigate; they are not findings about management's plans or future results.

• Can MA maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
• Is MA's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
• Is MA's debt load manageable relative to cash generation, interest costs and upcoming maturities?
• What future growth or profitability would be needed to justify MA's current valuation?

What the numbers mean

Its current valuation score is 36/100, which Wall Street Score classifies as weak within the model's valuation framework.

The financial score is 33/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.

A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.

Data freshness: Financial data last refreshed 2026-10-05.

Research-input completeness: 100% of the scoring inputs required for this public page are currently available.

How to research MA

Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.

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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.