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Mastercard Inc

$575.93 ▲ +5.40 (+0.95%) at close

17 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Moderately Bullish

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Analytical Summary

Mastercard Inc demonstrates solid fundamentals with strength in Return on Common Equity (%). However, watch Debt to Equity which shows concerning trends. Overall, the data suggests a moderately positive outlook with manageable risks.

Market Cap $521.2B

Dividend Yield 0.55%

Revenue Growth 16.4% ↗

Op. Margin 57.6% ↗

ROIC 58.6% ↗

FCF / Share $18.96 ↗

Trailing P/E 34.8x

Price / Book 67.4x

FCF Yield 3.3%

Debt / Equity 2.36

info Valuation on last close. End-of-day price, Aug 6, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$32.79B

↑ +16.4% —

Net Income Profit after all expenses

$14.97B

↑ +16.3% —

Operating Margin Operating profit as % of sales

57.6%

↑ +4.2% 98th

FCF / Share Free cash flow per share

$18.96

↑ +22.6% —

Long-Term Debt Long-term obligations

$18.25B

↑ +4.4% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↑

Returns ↑

100

Financial Health ↑

Cash Quality ↑

Dividend History

Dividend / share · sourced from SEC filings

$3.15 Latest / share

+15.0% YoY

+64.1% 9-yr CAGR

$0.06

FY 2014

$0.12

FY 2015

$0.29

FY 2016

$0.49

FY 2017

$1.08

FY 2018

$0.91

FY 2019

FY 2020

FY 2021

FY 2022

$2.37

FY 2023

$2.74

FY 2024

$3.15

FY 2025

Financial view

Statement lens

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2010 10-K ↗	FY 2012 Dec 31, 2009 10-K ↗	FY 2011 Dec 31, 2008 10-K ↗	FY 2010 Dec 31, 2007 10-K ↗	FY 2009 Dec 31, 2006 10-K ↗
Revenue Growth YoY (%)	16.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+228%)	12.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+145%)	12.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+157%)	-25.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-610%)	26.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+428%)	-5.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-209%)	14.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+188%)	130.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2509%)	13.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+170%)	12.9% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+158%)	10.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+102%)	21.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+324%)	8.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+73%)	2.2% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-57%)	22.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+354%)	—	—
EPS Growth YoY (%)	18.9% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	17.3% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	15.6% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	16.7% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	37.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	74.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-34.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	81.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	21.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	16.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	47.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	5.7% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	26.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	—	—
Net Income Growth YoY (%)	16.3% Good ↑ Good Improving Year-over-year change in net income	15.0% Fair ↓ Fair Declining Year-over-year change in net income	12.7% Fair ↓ Fair Declining Year-over-year change in net income	14.3% Fair ↓ Fair Declining Year-over-year change in net income	35.5% Excellent ↑ Excellent Improving Year-over-year change in net income	63.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-33.2% Weak ↓ Weak Declining Year-over-year change in net income	62.0% Excellent ↑ Excellent Improving Year-over-year change in net income	16.1% Good ↓ Good Declining Year-over-year change in net income	12.9% Fair ↓ Fair Declining Year-over-year change in net income	44.8% Excellent ↑ Excellent Improving Year-over-year change in net income	3.3% Caution Caution Year-over-year change in net income	26.2% Excellent Excellent Year-over-year change in net income	N/M	N/M	—	—
FCF Growth YoY (%)	22.6% Good ↑ Good Improving Year-over-year change in free cash flow	25.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	10.7% Fair ↓ Fair Declining Year-over-year change in free cash flow	21.2% Good ↑ Good Improving Year-over-year change in free cash flow	33.4% Excellent ↓ Excellent Declining Year-over-year change in free cash flow	36.7% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-11.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	104.1% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-15.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	44.4% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	11.8% Fair ↓ Fair Declining Year-over-year change in free cash flow	63.1% Excellent ↓ Excellent Declining Year-over-year change in free cash flow	22.9% Good ↓ Good Declining Year-over-year change in free cash flow	291.7% Excellent Excellent Year-over-year change in free cash flow	-49.2% Weak Weak Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	13.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	-1.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	-3.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	11.0% Good ↓ Good Declining Compound annual revenue growth over 3 years	35.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	44.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	43.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	12.2% Good → Good Stable Compound annual revenue growth over 3 years	14.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.4% Good Good Compound annual revenue growth over 3 years	10.8% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.8% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	18.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	29.0% Excellent → Excellent Stable Compound annual revenue growth over 5 years	26.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	30.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	31.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.8% Good Good Compound annual revenue growth over 5 years	12.7% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	17.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	16.5% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	22.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	40.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	27.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.6% Good ↓ Good Declining Compound annual EPS growth over 3 years	36.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	27.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	22.2% Excellent → Excellent Stable Compound annual EPS growth over 3 years	25.3% Excellent Excellent Compound annual EPS growth over 3 years	—	20.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2010 10-K ↗	FY 2012 Dec 31, 2009 10-K ↗	FY 2011 Dec 31, 2008 10-K ↗	FY 2010 Dec 31, 2007 10-K ↗	FY 2009 Dec 31, 2006 10-K ↗
Operating Margin (%) (%)	57.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+380%)	55.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+361%)	55.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+365%)	55.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+360%)	33.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+182%)	34.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+185%)	26.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+121%)	33.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+178%)	53.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+349%)	54.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+350%)	53.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+344%)	40.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+237%)	49.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+314%)	44.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+269%)	-10.7% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-189%)	27.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+127%)	—
Effective Tax Rate (%) (%)	19.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.9% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	45.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+471%)	45.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+471%)	44.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+458%)	44.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+458%)	29.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+264%)	27.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+239%)	15.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	26.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+235%)	38.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+377%)	37.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+367%)	37.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+367%)	28.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+255%)	33.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+317%)	28.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+259%)	-5.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-164%)	26.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+234%)	—
FCF Margin (%) (%)	52.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	50.8% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	46.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	48.4% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	30.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	29.2% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	21.5% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	27.0% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	34.1% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	47.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	38.6% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	38.8% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	29.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	25.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	6.8% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	16.9% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.15x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	1.11x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	1.04x Fair → Fair Stable Free cash flow relative to reported net income Optimal: > 1x	1.08x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.04x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.07x Fair → Fair Stable Free cash flow relative to reported net income Optimal: > 1x	1.37x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.01x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	0.89x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.28x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.03x Fair → Fair Stable Free cash flow relative to reported net income Optimal: > 1x	1.37x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	0.89x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	0.90x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	-1.33x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	0.63x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2010 10-K ↗	FY 2012 Dec 31, 2009 10-K ↗	FY 2011 Dec 31, 2008 10-K ↗	FY 2010 Dec 31, 2007 10-K ↗	FY 2009 Dec 31, 2006 10-K ↗
Return on Invested Capital (%)	58.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	54.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	54.0% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	48.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	39.0% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	34.7% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	36.3% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	51.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	48.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	47.5% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	45.0% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	36.5% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	41.8% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	50.7% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	-21.7% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—
Return on Capital (%) (%)	34.9% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	32.4% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	33.0% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	31.7% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	26.8% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	24.1% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	22.7% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	29.3% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	33.3% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	31.6% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	31.6% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	25.4% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	31.1% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	30.3% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	-8.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	193.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1190%)	198.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1223%)	161.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+977%)	157.7% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+951%)	118.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+692%)	100.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+569%)	66.4% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+343%)	108.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+624%)	53.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+255%)	41.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+178%)	39.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+166%)	32.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+117%)	35.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+136%)	41.8% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+178%)	-13.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-188%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2010 10-K ↗	FY 2012 Dec 31, 2009 10-K ↗	FY 2011 Dec 31, 2008 10-K ↗	FY 2010 Dec 31, 2007 10-K ↗	FY 2009 Dec 31, 2006 10-K ↗
Debt to Equity (x)	2.36x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+237%)	2.69x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+285%)	2.07x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+196%)	2.18x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+212%)	1.79x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+156%)	1.88x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+169%)	1.45x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+107%)	1.08x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+54%)	0.22x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	—	—	—	—	0.01x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.01x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	—	—
Interest Coverage (x)	27.79x Excellent → Excellent Stable Operating income divided by interest expense Optimal: > 5x	27.29x Excellent → Excellent Stable Operating income divided by interest expense Optimal: > 5x	29.37x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	26.04x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	23.39x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	21.27x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	43.00x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	39.15x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	106.38x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	321.64x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	196.85x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	108.52x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	52.92x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	19.65x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-5.16x Weak Weak Operating income divided by interest expense Optimal: > 5x	19.35x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$7.68B	$9.03B	$5.76B	$6.74B	$5.69B	$1.91B	$2.59B	$-887.00M	$-3.64B	$-3.60B	$-2.05B	$-3.73B	$-3.07B	$-2.04B	$-1.49B	$-1.66B	$-1.19B
Debt / EBITDA (x)	0.97x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.12x Good → Good Stable Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.02x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.12x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.30x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.49x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.29x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.80x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.29x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	0.01x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.04x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2010 10-K ↗	FY 2012 Dec 31, 2009 10-K ↗	FY 2011 Dec 31, 2008 10-K ↗	FY 2010 Dec 31, 2007 10-K ↗	FY 2009 Dec 31, 2006 10-K ↗
Revenue per Share (USD)	$36.23	$30.45	$26.59	$22.97	$30.21	$23.57	$23.41	$20.97	$8.13	$6.89	$5.90	$5.25	$4.23	$3.92	$3.84	$3.02	—
Basic EPS, GAAP (USD)	$16.54	$13.91	$11.86	$10.26	$8.79	$6.40	$3.67	$5.63	$3.11	$2.57	$2.20	$1.49	$1.41	$1.12	$-0.19	$0.80	—
Free Cash Flow per Share (USD)	$18.96	$15.47	$12.30	$11.11	$9.17	$6.87	$5.03	$5.66	$2.77	$3.29	$2.28	$2.04	$1.25	$1.02	$0.26	$0.51	—
Dividend per Share (USD)	$3.15	$2.74	$2.37	—	—	—	$0.91	$1.08	$0.49	$0.29	$0.12	$0.06	$0.06	$0.06	$0.06	$0.06	—
Book Value per Share (USD)	$8.55	$7.01	$7.34	$6.51	$7.40	$6.38	$5.52	$5.18	$5.83	$6.18	$5.52	$4.58	$3.97	$2.70	$1.48	—	—
Tangible Book Value per Share (USD)	$-8.15	$-8.82	$-5.10	$-5.25	$-4.07	$-0.32	$1.35	$1.44	$3.91	$4.70	$4.11	$3.27	$3.05	$2.14	$0.95	—	—
Basic Weighted Avg Shares (shares)	905.00M	925.00M	944.00M	968.00M	988.00M	1.00B	1.07B	1.04B	1.17B	1.21B	1.25B	1.28B	1.31B	1.30B	1.30B	1.35B	—
Dividend Payout Ratio (%)	19.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	19.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	20.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	24.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	15.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	11.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	5.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	4.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	4.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	5.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-30.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	7.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2010 10-K ↗	FY 2012 Dec 31, 2009 10-K ↗	FY 2011 Dec 31, 2008 10-K ↗	FY 2010 Dec 31, 2007 10-K ↗	FY 2009 Dec 31, 2006 10-K ↗
Working Capital (USD)	$796.00M	$504.00M	$2.70B	$2.44B	$3.79B	$7.27B	$5.00B	$4.58B	$4.78B	$4.92B	$4.45B	$3.52B	$3.31B	$1.84B	$1.32B	—	—
LT Debt (USD)	$18.25B	$17.48B	$14.34B	$13.75B	$13.11B	$12.02B	$8.53B	$5.83B	$1.49B	—	—	—	—	$20.00M	$19.39M	—	—
Total Equity (USD)	$7.74B	$6.49B	$6.93B	$6.30B	$7.31B	$6.39B	$5.89B	$5.39B	$6.79B	$7.48B	$6.92B	$5.87B	$5.21B	$3.50B	$1.93B	—	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2010 10-K ↗	FY 2012 Dec 31, 2009 10-K ↗	FY 2011 Dec 31, 2008 10-K ↗	FY 2010 Dec 31, 2007 10-K ↗	FY 2009 Dec 31, 2006 10-K ↗
Sales/Revenue/Turnover (USD)	$32.79B	$28.17B	$25.10B	$22.24B	$29.84B	$23.62B	$24.98B	$21.83B	$9.47B	$8.35B	$7.39B	$6.71B	$5.54B	$5.10B	$4.99B	$4.07B	—
Net Income, GAAP (USD)	$14.97B	$12.87B	$11.20B	$9.93B	$8.69B	$6.41B	$3.92B	$5.86B	$3.62B	$3.12B	$2.76B	$1.91B	$1.85B	$1.46B	$-253.91M	$1.09B	—
Operating Cash Flow (USD)	$17.65B	$14.78B	$11.98B	$11.20B	$9.46B	$7.22B	$5.66B	$6.22B	$3.41B	$4.13B	$2.95B	$2.68B	$1.70B	$1.38B	$413.23M	$769.86M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 65 quarters

Mastercard Inc

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