Fundamentals Overview
Mastercard Incorporated is near the low of its 52-week range with premium valuation, trading relatively flat today.
Valuation premium
Intrinsic value (DCF)
+5.9% upside vs price
Profitability
Risk (Beta)
0.83 — in line vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
Analyst grade: B · Sentiment improving (3 upgrades)
Pressures (Sell):
3M vs S&P 500: -9%
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: B. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 13, Hold: 1, In Line: 1, Outperform: 6, Overweight: 7, Strong Buy: 2.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $540.45; current price is $510.16. That’s a +5.9% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 30.61 |
| DCF value (model) | $540.45 (5.9% upside) |
| PEG (TTM) | 1.88 |
| P/B (TTM) | 59.08 |
| P/S (TTM) | 13.88 |
| P/FCF (TTM) | 26.64 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 1.03 |
| Quick Ratio (TTM) | 1.03 |
| Cash Ratio (TTM) | 0.49 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 45.65% |
| Gross margin (TTM) | 83.43% |
| Operating margin (TTM) | 59.17% |
| Debt to equity (TTM) | N/A |
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for MA.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Citigroup | maintain | Buy | Buy | 2026-04-14 |
| Evercore ISI Group | maintain | In Line | In Line | 2026-04-01 |
| UBS | maintain | Buy | Buy | 2026-03-31 |
| Tigress Financial | maintain | Strong Buy | Strong Buy | 2026-03-13 |
| Freedom Broker | upgrade | Hold | Buy | 2026-02-13 |
| Wells Fargo | maintain | Overweight | Overweight | 2026-01-30 |
| TD Cowen | maintain | Buy | Buy | 2026-01-30 |
| Morgan Stanley | maintain | Overweight | Overweight | 2026-01-30 |
| RBC Capital | maintain | Outperform | Outperform | 2026-01-30 |
| JP Morgan | maintain | Overweight | Overweight | 2026-01-30 |
| Macquarie | maintain | Outperform | Outperform | 2026-01-30 |
| Raymond James | maintain | Outperform | Outperform | 2026-01-30 |
| Compass Point | upgrade | Neutral | Buy | 2026-01-13 |
| Freedom Broker | maintain | Hold | Hold | 2025-12-24 |
| HSBC | upgrade | Hold | Buy | 2025-12-08 |
| Tigress Financial | maintain | Strong Buy | Strong Buy | 2025-11-06 |
| Truist Securities | maintain | Buy | Buy | 2025-11-04 |
| Wells Fargo | maintain | Overweight | Overweight | 2025-10-31 |
| UBS | maintain | Buy | Buy | 2025-10-31 |
| Macquarie | maintain | Outperform | Outperform | 2025-10-31 |
| RBC Capital | maintain | Buy | Buy | 2025-10-31 |
| Baird | maintain | Outperform | Outperform | 2025-10-06 |
| TD Cowen | maintain | Buy | Buy | 2025-08-11 |
| Truist Securities | maintain | Buy | Buy | 2025-08-06 |
| Keybanc | maintain | Overweight | Overweight | 2025-08-01 |
| Morgan Stanley | maintain | Overweight | Overweight | 2025-08-01 |
| RBC Capital | maintain | Outperform | Outperform | 2025-08-01 |
| UBS | maintain | Buy | Buy | 2025-08-01 |
| Wells Fargo | maintain | Overweight | Overweight | 2025-08-01 |
| Truist Securities | maintain | Buy | Buy | 2025-07-17 |