MA Stock Financial Analysis - Mastercard Incorporated (SNSE) Stock

Overview

Mastercard Incorporated, based in the United States, operates as a multinational financial services corporation primarily in the domain of payment solutions. Predominantly known for its vast network of processing payments between the banks of merchants and the card-issuing financial institutions or credit unions of the purchasers who use the "Mastercard" brand to make transactions, the company plays a pivotal role in global commerce. Mastercard’s key projects focus on advancing electronic payments and enhancing transaction security, highlighting initiatives like contactless payments and secure digital transactions to combat fraud. Furthermore, the company is actively involved in innovating solutions that support inclusive financial services, aiming to bridge gaps in access to finance. Their efforts are crucial in shaping the future of digital transactions, ensuring seamless, safe, and accessible payment ecosystems worldwide.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Mastercard Incorporated as of June 30, 2025 is 30,241.00 MM.
The operating income for Mastercard Incorporated as of June 30, 2025 is 17,761.00 MM.
The net income for Mastercard Incorporated as of June 30, 2025 is 13,586.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	30,241.00	17,761.00	13,586.00
2025-03-31	29,069.00	17,022.00	13,143.00
2024-12-31	28,167.00	16,452.00	12,874.00
2024-09-30	27,226.00	15,913.00	12,323.00
2024-06-30	26,390.00	15,388.00	12,258.00
2024-03-31	25,698.00	14,930.00	11,845.00
2023-12-31	25,098.00	14,547.00	11,195.00
2023-09-30	24,367.00	14,003.00	10,929.00
2023-06-30	23,590.00	13,479.00	10,230.00
2023-03-31	22,818.00	12,987.00	9,660.00
2022-12-31	22,237.00	12,687.00	9,930.00
2022-09-30	21,636.00	12,325.00	9,784.00
2022-06-30	20,865.00	11,831.00	9,699.00
2022-03-31	19,896.00	11,055.00	9,490.00
2021-12-31	18,884.00	10,268.00	8,687.00
2021-09-30	17,788.00	9,542.00	8,093.00
2021-06-30	16,640.00	8,821.00	7,192.00
2021-03-31	15,447.00	8,142.00	6,546.00
2020-12-31	15,301.00	8,162.00	6,411.00
2020-09-30	15,595.00	8,453.00	6,726.00
2020-06-30

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	13.92	13.89
2024-09-30	13.25	13.23
2024-06-30	13.11	13.08
2024-03-31	12.61	12.59
2023-12-31	11.86	11.83
2023-09-30	11.50	11.47
2023-06-30	10.71	10.67
2023-03-31	10.04	10.01
2022-12-31	10.26	10.22
2022-09-30	10.05	10.01
2022-06-30	9.91	9.87
2022-03-31	9.65	9.61
2021-12-31	8.79	8.76
2021-09-30	8.16	8.13
2021-06-30	7.22	7.20
2021-03-31	6.55	6.52
2020-12-31	6.40	6.37
2020-09-30	6.70	6.66
2020-06-30	7.26	7.23

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Mastercard Incorporated as of June 30, 2025 is 16,953.00 MM.
The cash from investing activities for Mastercard Incorporated as of June 30, 2025 is -3,501.00 MM.
The cash from financing activities for Mastercard Incorporated as of June 30, 2025 is -10,891.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	16,953.00	-3,501.00	-10,891.00
2025-03-31	15,488.00	-3,568.00	-11,142.00
2024-12-31	14,780.00	-3,402.00	-10,836.00
2024-09-30	14,076.00	-938.00	-9,145.00
2024-06-30	12,173.00	-1,204.00	-10,692.00
2024-03-31	11,733.00	-1,128.00	-10,214.00
2023-12-31	11,980.00	-1,351.00	-9,488.00
2023-09-30	10,950.00	-1,487.00	-10,752.00
2023-06-30	11,573.00	-1,273.00	-10,087.00
2023-03-31	11,332.00	-1,580.00	-10,129.00
2022-12-31	11,195.00	-1,470.00	-10,328.00
2022-09-30	11,284.00	-1,558.00	-8,331.00
2022-06-30	9,971.00	-1,382.00	-8,729.00
2022-03-31	9,782.00	-1,999.00	-8,103.00
2021-12-31	9,463.00	-5,272.00	-6,555.00
2021-09-30	8,527.00	-5,888.00	-6,313.00
2021-06-30	7,638.00	-5,955.00	-6,644.00
2021-03-31	6,828.00	-4,932.00	-4,858.00
2020-12-31	7,224.00	-1,879.00	-2,152.00
2020-09-30	7,951.00	-1,285.00	-1,359.00
2020-06-30

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30

Management Effectiveness

The roa for Mastercard Incorporated as of June 30, 2025 is 0.31.
The roe for Mastercard Incorporated as of June 30, 2025 is 1.82.
The roic for Mastercard Incorporated as of June 30, 2025 is 0.49.
The croic for Mastercard Incorporated as of June 30, 2025 is 0.03.
The ocroic for Mastercard Incorporated as of June 30, 2025 is 0.57.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.31	1.82	0.49	0.03	0.57
2025-03-31	0.30	1.76	0.50	0.01	0.58
2024-12-31	0.29	1.84	0.46	0.16	0.53
2024-09-30	0.31	1.93	0.51	0.01	0.51
2024-06-30	0.30	2.19	0.47	0.02	0.47
2024-03-31	0.29	1.76	0.48	0.05	0.51
2023-12-31	0.29	1.70	0.50	-0.05	0.50
2023-09-30	0.28	1.63	0.48	0.02	0.54
2023-06-30	0.28	1.63	0.46	0.02	0.53
2023-03-31	0.26	1.35	0.44	-0.02	0.51
2022-12-31	0.28	1.44	0.47	0.04	0.54
2022-09-30	0.28	1.44	0.47	0.04	0.54
2022-06-30	0.28	1.48	0.45	-0.02	0.46
2022-03-31	0.27	1.47	0.42	-0.02	0.43
2021-12-31	0.26	1.33	0.39	-0.11	0.43
2021-09-30	0.26	1.38	0.39	-0.17	0.41
2021-06-30	0.22	1.10	0.34	-0.22	0.36
2021-03-31	0.21	1.19	0.31	-0.13	0.32
2020-12-31	0.22	1.07	0.32	0.17	0.36
2020-09-30	0.26	1.33	0.36	0.29	0.43
2020-06-30	0.30	1.43	0.37	0.30	0.44

Gross Margins

The gross margin for Mastercard Incorporated as of June 30, 2025 is 1.00.
The net margin for Mastercard Incorporated as of June 30, 2025 is 0.45.
The operating margin for Mastercard Incorporated as of June 30, 2025 is 0.59.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.45	0.59
2025-03-31	1.00	0.46	0.58
2024-12-31	1.00	0.45	0.58
2024-09-30	1.00	0.46	0.58
2024-06-30	1.00	0.46	0.58
2024-03-31	1.00	0.45	0.58
2023-12-31	1.00	0.45	0.57
2023-09-30	1.00	0.43	0.57
2023-06-30	1.00	0.43	0.57
2023-03-31	1.00	0.42	0.57
2022-12-31	1.00	0.45	0.57
2022-09-30	1.00	0.45	0.57
2022-06-30	1.00	0.46	0.57
2022-03-31	1.00	0.48	0.56
2021-12-31	1.00	0.46	0.54
2021-09-30	1.00	0.45	0.54
2021-06-30	1.00	0.43	0.53
2021-03-31	1.00	0.42	0.53
2020-12-31	1.00	0.42	0.53
2020-09-30	1.00	0.43	0.54
2020-06-30	1.00	0.45	0.55

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