Mastercard Inc · Business Services, NEC

MA

Low riskNext report: In 2 days (est.)

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The short version

A high-quality, profitable business with growing sales.

Going well

Sales up 14% in the latest quarter vs a year ago
Profitable every year for 10 years
Sales up 16% last year

Watch out for

High debt: 2.46x equity

Money moves

Insiders sold $3.1M in the last 30 days, all through pre-planned sales
Institutions added 0.6% to their holdings in the quarter ending June 2026 (1522 bought, 1698 sold)
Held by George Soros (Soros Fund), Terry Smith (Fundsmith)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$613.84-1.5% that day

Company value: $542.0B; Share price times all shares
Price vs profit (P/E): 33.8x; You pay about $34 for each $1 of yearly profit
Price vs sales: 15.4x; Company value is 15.4 times a year of sales
Dividend yield: 0.5%; Yearly dividend as a share of today's price
Cash vs value: 2%; Cash as a share of company value
Debt vs value: 4%; Debt as a share of company value

From MA's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$9.3B+14% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $35.1B, up 16% from the 12 months before. Over 5 years, sales grew about 6.8% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of MA. Starting points are the company's recent numbers.

Sales growth+16% a yearRecently: +16% a yearProfit margin46%Last 12 months: 46.3%P/E at the end34xToday: 33.8x. Many steady companies trade at 12x to 25xShare count change-2% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$73.7B

Profit in 5 years$33.9B

Price these guesses point to$1,443.88+135% vs $613.84 todayAbout +19% a year, before dividends

What today's price needs: with a 46% margin and a 34x P/E, sales could shrink about 2.2% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

4/5Strong

MissDebt under half of equityNot relying on borrowed money.2.46x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.45.6%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$17.2B
PassShare count not growingNot diluting owners. Falling means buybacks.-6.7% in 3 years

Revenue: $32.8B; +16.4% vs prior year
5-year growth: +6.8%/yr; revenue, per year
Total debt: $19.0B; 2.46x equity
Free cash flow: $17.2B; 52.3% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: return on equity 15%+. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Jul 30

Revenue: $9.3B; +14.1% YoY
EPS: $4.97; vs $4.07
Op. margin: 60.2%; +1.5 pts
Free cash flow: $3.5B
Share count: -2.9%; vs a year ago

Insider rating

Last 90 days

44Mixed

Pre-planned sales of $3.1M (weaker signal)

50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.

Weekly insider trend

13 weeks agoBoughtSoldThis week

Filing buzz

Last 7 days vs normal

0/ 100

This week: 0
Normal week: 2.9
vs normal: 0.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Steady+0.6%

Institutions added 0.6% to their holdings. 1522 bought, 1698 sold.

Shares held by institutions773.0M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

-2.3%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

4.4x · $24.6B debt

Shares outstandingLatest reported

123M

Why low risk

High debt: 4.39x equity

Earnings reports

Last 12

Next reportIn 2 days (est.)Estimated from the same quarter last year

Results filedJul 30
Results filedApr 30
Results filedJan 29
Results filedOct 30, 2025
Results filedJul 31, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

No offerings, red flags or new big holders. Clean record.

Insider trades

Open-market buys and sells, last 90 days

Bought$00 insiders

Sold$3.1M2 insiders, 2 pre-planned

Insider	Trade	Shares	Avg price	Value	Owns after	Date
Hai LingChief Financial Officer	Sell	4K	$620.00	$2.7M	36K	Oct 16Filing ↗
-10.8% of their holdings Pre-planned sale (10b5-1) Filed 3 days after
Julius GenachowskiDirector	Sell	741	$587.61	$435K	8K	Oct 12Filing ↗
-8.3% of their holdings $585.00 to $590.21 across 3 trades Traded Oct 9 to Oct 12 Pre-planned sale (10b5-1) Filed 1 day after