Mastercard

Valuation Analysis

About the Company

Mastercard en bref

Mastercard (MA) is currently trading at 428,22 € with a market capitalization of 378,4 Md €. The trailing P/E ratio stands at 28.36x, with a forward P/E of 21.54x. The 52-week range spans from 405,38 € to 525,15 €; the current price is 18.5% below the yearly high. Year-over-year revenue growth stands at +15.8%. The net profit margin stands at 45.88%.

💰 Dividende

Mastercard pays an annual dividend of 3,04 € per share, representing a yield of 0.71%. The payout ratio stands at 18.23%.

📊 Avis des analystes

36 analystes évaluent Mastercard (MA) au consensus : Achat Fort. L'objectif de cours moyen est de 562,78 €, soit un potentiel de +31.42% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 479,97 € à 641,42 €.

Mastercard : la thèse d'investissement en détail

Mastercard (MA) operates in the Financial Services — specifically Credit Services — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

Le scénario haussier

Revenue is growing at a healthy 15.8% pace year-over-year, suggesting the business model continues to find new customers and pricing power. With a gross margin near 100%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns. Return on equity of 232.08% places management among the most capital-efficient operators in the public market — every euro of shareholder capital is working hard.

Le scénario baissier

The debt-to-equity ratio of 282.06% is elevated, meaning the company relies heavily on creditors — refinancing terms will become more important than operational performance in the next economic downturn.

Signal Smart Money

On the institutional side, Mastercard appears in the disclosed holdings of Buffett. Smart-money managers track positioning, fundamentals and competitive dynamics with research budgets few retail investors can match — when several converge on the same name, it is rarely random. That doesn't mean blind copying makes sense, but it does raise the bar for the bear case.

À surveiller

• The forward P/E of 21.54x is meaningfully below the trailing 28.36x — analysts expect earnings to step up; the next earnings release is the test.
• The price sits in the lower quartile of the 52-week range — value hunters often start scaling in around this zone if fundamentals hold.
• The analyst consensus price target implies 31.42% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Thèse d'investissement : forces et faiblesses

Aperçu technique

Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).

Profil de risque

The data points to relatively defensive market behavior, higher leverage relative to equity.

Trading Data

💵 Dividend Info

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