Mastercard Inc (MA) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does Mastercard Inc Do?
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. It facilitates the processing of payment transactions, including authorization, clearing, and settlement, as well as delivers other payment-related products and services. The company offers integrated products and value-added services for account holders, merchants, financial institutions, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; prepaid programs and management services; commercial credit and debit payment products and solutions; and payment products and solutions that allow its customers to access funds in deposit and other accounts. It also provides value-added products and services comprising cyber and intelligence solutions for parties to transact, as well as proprietary insights, drawing on principled use of consumer, and merchant data services. In addition, the company offers analytics, test and learn, consulting, managed services, loyalty, processing, and payment gateway solutions for e-commerce merchants. Further, it provides open banking and digital identity platforms services. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York. Mastercard Inc (MA) is classified as a mega-cap stock in the Industrials sector, specifically within the Business Services industry. The company is led by CEO Michael E. Miebach and employs approximately 29,900 people, headquartered in New York, New York. With a market capitalization of $438.5B, MA is one of the largest companies in the Industrials sector.
Mastercard Inc (MA) Stock Rating — Hold (April 2026)
As of April 2026, Mastercard Inc receives a Hold rating with a composite score of 46.1/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.MA ranks #1,805 out of 4,446 stocks in our coverage universe. Within the Industrials sector, Mastercard Inc ranks #284 of 752 stocks, placing it in the upper half of its Industrials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
MA Stock Price and 52-Week Range
Mastercard Inc (MA) currently trades at $499.96. The stock lost $3.61 (0.7%) in the most recent trading session. The 52-week high for MA is $601.77, which means the stock is currently trading -16.9% from its annual peak. The 52-week low is $465.59, putting the stock 7.4% above its annual trough. Recent trading volume was 2.8M shares, reflecting moderate market activity.
Is MA Overvalued or Undervalued? — Valuation Analysis
Mastercard Inc (MA) carries a value factor score of 58/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 31.36x, compared to the Industrials sector average of 28.33x — a premium of 11%. The price-to-book ratio stands at 57.37x, versus the sector average of 2.23x. The price-to-sales ratio is 14.17x, compared to 0.50x for the average Industrials stock. On an enterprise value basis, MA trades at 23.31x EV/EBITDA, versus 5.70x for the sector.
Overall, MA's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
Mastercard Inc Profitability — ROE, Margins, and Quality Score
Mastercard Inc (MA) earns a quality factor score of 50/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 182.9%, compared to the Industrials sector average of 8.9%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 26.2% versus the sector average of 3.3%.
On a margin basis, Mastercard Inc reports gross margins of 100.0%, compared to 35.8% for the sector. The operating margin is 57.3% (sector: 6.2%). Net profit margin stands at 45.2%, versus 3.9% for the average Industrials stock. Revenue growth is running at 23.6% on a trailing basis, compared to 6.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
MA Debt, Balance Sheet, and Financial Health
Mastercard Inc has a debt-to-equity ratio of 599.0%, compared to the Industrials sector average of 70.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.03x, suggesting adequate working capital coverage. Total debt on the balance sheet is $18.98B. Cash and equivalents stand at $10.31B.
MA has a beta of 0.75, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Mastercard Inc is 84/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
Mastercard Inc Revenue and Earnings History — Quarterly Trend
In TTM 2026, Mastercard Inc reported revenue of $31.35B and earnings per share (EPS) of $16.54. Net income for the quarter was $14.17B. Gross margin was 100.0%. Operating income came in at $17.99B.
In FY 2025, Mastercard Inc reported revenue of $32.79B and earnings per share (EPS) of $16.54. Net income for the quarter was $14.97B. Revenue grew 16.4% year-over-year compared to FY 2024. Operating income came in at $18.90B.
In Q3 2025, Mastercard Inc reported revenue of $8.60B and earnings per share (EPS) of $4.35. Net income for the quarter was $3.93B. Revenue grew 16.7% year-over-year compared to Q3 2024. Operating income came in at $5.06B.
In Q2 2025, Mastercard Inc reported revenue of $8.13B and earnings per share (EPS) of $4.08. Net income for the quarter was $3.70B. Revenue grew 16.8% year-over-year compared to Q2 2024. Operating income came in at $4.78B.
Over the past 8 quarters, Mastercard Inc has demonstrated a growth trajectory, with revenue expanding from $6.96B to $31.35B. Investors analyzing MA stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
MA Dividend Yield and Income Analysis
Mastercard Inc (MA) currently pays a dividend yield of 0.5%. At this yield, a $10,000 investment in MA stock would generate approximately $$52.00 in annual dividend income. With a net margin of 45.2%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.
MA Momentum and Technical Analysis Profile
Mastercard Inc (MA) has a momentum factor score of 33/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 25/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 32/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
MA vs Competitors — Industrials Sector Ranking and Peer Comparison
Within the Industrials sector, Mastercard Inc (MA) ranks #284 out of 752 stocks based on the Blank Capital composite score. This places MA in the upper half of all Industrials stocks in our coverage universe. Key competitors and sector peers include South Bow Corp (SOBO) with a score of 56.5/100, TSAKOS ENERGY NAVIGATION LTD (TEN) with a score of 61.4/100, Great Lakes Dredge & Dock CORP (GLDD) with a score of 56.7/100, Tri Pointe Homes, Inc. (TPH) with a score of 57.3/100, and Clear Channel Outdoor Holdings, Inc. (CCO) with a score of 52.2/100.
Comparing MA against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full MA vs S&P 500 (SPY) comparison to assess how Mastercard Inc stacks up against the broader market across all factor dimensions.
MA Next Earnings Date
No upcoming earnings date has been announced for Mastercard Inc (MA) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy MA? — Investment Thesis Summary
Mastercard Inc presents a balanced picture with arguments on both sides. Momentum is weak at 33/100, a headwind for near-term performance. Low volatility (stability score 84/100) reduces downside risk.
In summary, Mastercard Inc (MA) earns a Hold rating with a composite score of 46.1/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on MA stock.
Related Resources for MA Investors
Explore more research and tools: MA vs S&P 500 comparison, top Industrials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare MA head-to-head with peers: MA vs SOBO, MA vs TEN, MA vs GLDD.