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Also traded in: Brazil, Germany, Mexico, Switzerland, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash-to-Debt 1.61
MA's Cash-to-Debt is ranked lower than
52% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 1.88 vs. MA: 1.61 )
Ranked among companies with meaningful Cash-to-Debt only.
MA' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.61  Med: 10.85 Max: No Debt
Current: 1.61
Equity-to-Asset 0.30
MA's Equity-to-Asset is ranked lower than
66% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. MA: 0.30 )
Ranked among companies with meaningful Equity-to-Asset only.
MA' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.24  Med: 0.43 Max: 0.59
Current: 0.3
0.24
0.59
Interest Coverage 60.43
MA's Interest Coverage is ranked higher than
63% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 5.59 vs. MA: 60.43 )
Ranked among companies with meaningful Interest Coverage only.
MA' s Interest Coverage Range Over the Past 10 Years
Min: 19.35  Med: 83.25 Max: 321.64
Current: 60.43
19.35
321.64
Piotroski F-Score: 7
Altman Z-Score: 8.80
Beneish M-Score: -2.36
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 9/10

vs
industry
vs
history
Operating Margin % 53.42
MA's Operating Margin % is ranked higher than
83% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 17.88 vs. MA: 53.42 )
Ranked among companies with meaningful Operating Margin % only.
MA' s Operating Margin % Range Over the Past 10 Years
Min: -10.71  Med: 51.11 Max: 54.17
Current: 53.42
-10.71
54.17
Net Margin % 37.63
MA's Net Margin % is ranked higher than
80% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 12.51 vs. MA: 37.63 )
Ranked among companies with meaningful Net Margin % only.
MA' s Net Margin % Range Over the Past 10 Years
Min: -5.09  Med: 35.33 Max: 39.39
Current: 37.63
-5.09
39.39
ROE % 69.27
MA's ROE % is ranked higher than
98% of the 369 Companies
in the Global Credit Services industry.

( Industry Median: 6.71 vs. MA: 69.27 )
Ranked among companies with meaningful ROE % only.
MA' s ROE % Range Over the Past 10 Years
Min: -10.25  Med: 42.77 Max: 70.34
Current: 69.27
-10.25
70.34
ROA % 23.95
MA's ROA % is ranked higher than
96% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 2.33 vs. MA: 23.95 )
Ranked among companies with meaningful ROA % only.
MA' s ROA % Range Over the Past 10 Years
Min: -3.99  Med: 22.5 Max: 25.5
Current: 23.95
-3.99
25.5
ROC (Joel Greenblatt) % 828.20
MA's ROC (Joel Greenblatt) % is ranked higher than
95% of the 298 Companies
in the Global Credit Services industry.

( Industry Median: 13.70 vs. MA: 828.20 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
MA' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -93.68  Med: 702.39 Max: 934.92
Current: 828.2
-93.68
934.92
3-Year Revenue Growth Rate 17.80
MA's 3-Year Revenue Growth Rate is ranked higher than
70% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. MA: 17.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.2  Med: 10.2 Max: 17.8
Current: 17.8
-7.2
17.8
3-Year EBITDA Growth Rate 17.30
MA's 3-Year EBITDA Growth Rate is ranked higher than
59% of the 226 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. MA: 17.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -6.4  Med: 17.1 Max: 131.1
Current: 17.3
-6.4
131.1
3-Year EPS without NRI Growth Rate 18.00
MA's 3-Year EPS without NRI Growth Rate is ranked higher than
68% of the 223 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. MA: 18.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
MA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -6  Med: 18.9 Max: 195
Current: 18
-6
195
GuruFocus has detected 1 Warning Sign with Mastercard Inc $MA.
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» MA's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

MA Guru Trades in Q1 2016

Steven Cohen 435,600 sh (New)
Andreas Halvorsen 1,952,623 sh (+1103.36%)
Lee Ainslie 5,590 sh (+109.36%)
Wallace Weitz 667,634 sh (+68.65%)
Jim Simons 3,497,900 sh (+15.77%)
Pioneer Investments 3,471,032 sh (+15.60%)
Robert Olstein 56,000 sh (+5.66%)
Ken Fisher 250,623 sh (+1.67%)
Tom Gayner 143,600 sh (+0.77%)
Tom Russo 9,725,470 sh (+0.25%)
Jeff Auxier 69,410 sh (+0.14%)
Chuck Akre 4,713,511 sh (+0.10%)
PRIMECAP Management 606,300 sh (unchged)
Westport Asset Management 307,500 sh (unchged)
Julian Robertson 35,025 sh (unchged)
Paul Tudor Jones 9,600 sh (unchged)
Paul Tudor Jones 3,900 sh (unchged)
John Hussman Sold Out
Chris Davis Sold Out
Louis Moore Bacon Sold Out
John Griffin 1,670,400 sh (-0.27%)
Tweedy Browne 269,240 sh (-0.90%)
Mario Gabelli 137,725 sh (-0.92%)
Ruane Cunniff 5,182,954 sh (-2.56%)
Manning & Napier Advisors, Inc 4,693,423 sh (-2.81%)
Bill Nygren 4,250,000 sh (-4.49%)
Jeremy Grantham 539,949 sh (-4.99%)
Warren Buffett 4,934,756 sh (-5.64%)
Charles de Vaulx 1,199,779 sh (-6.60%)
Murray Stahl 90,656 sh (-9.63%)
First Eagle Investment 1,693,961 sh (-16.63%)
Steve Mandel 5,076,587 sh (-17.46%)
Chase Coleman 1,918,771 sh (-18.92%)
Ron Baron 132,486 sh (-28.63%)
RS Investment Management 3,231 sh (-45.51%)
Paul Tudor Jones 13,777 sh (-61.21%)
Spiros Segalas 8,759,490 sh (-7.60%)
» More
Q2 2016

MA Guru Trades in Q2 2016

Ray Dalio 5,500 sh (New)
Joel Greenblatt 67,855 sh (New)
Andreas Halvorsen 6,432,259 sh (+229.42%)
Steven Cohen 685,800 sh (+57.44%)
Jim Simons 5,384,700 sh (+53.94%)
RS Investment Management 4,540 sh (+40.51%)
Jeremy Grantham 658,098 sh (+21.88%)
Lee Ainslie 6,390 sh (+14.31%)
Wallace Weitz 728,064 sh (+9.05%)
Pioneer Investments 3,747,725 sh (+7.97%)
Tom Gayner 150,600 sh (+4.87%)
Ron Baron 134,975 sh (+1.88%)
John Griffin 1,677,600 sh (+0.43%)
First Eagle Investment 1,697,709 sh (+0.22%)
Tom Russo 9,739,551 sh (+0.14%)
Robert Olstein 56,000 sh (unchged)
Jeff Auxier 69,410 sh (unchged)
PRIMECAP Management 606,300 sh (unchged)
Warren Buffett 4,934,756 sh (unchged)
Spiros Segalas 8,759,490 sh (unchged)
Julian Robertson Sold Out
Chuck Akre 4,708,638 sh (-0.10%)
Tweedy Browne 268,770 sh (-0.17%)
Mario Gabelli 136,877 sh (-0.62%)
Steve Mandel 4,968,587 sh (-2.13%)
Chase Coleman 1,874,271 sh (-2.32%)
Charles de Vaulx 1,153,438 sh (-3.86%)
Ruane Cunniff 4,979,934 sh (-3.92%)
Ken Fisher 240,434 sh (-4.07%)
Bill Nygren 4,070,000 sh (-4.24%)
Manning & Napier Advisors, Inc 4,483,949 sh (-4.46%)
Murray Stahl 85,733 sh (-5.43%)
Westport Asset Management 257,500 sh (-16.26%)
Paul Tudor Jones 6,636 sh (-51.83%)
» More
Q3 2016

MA Guru Trades in Q3 2016

Louis Moore Bacon 245,184 sh (New)
Paul Tudor Jones 279,600 sh (+4113.38%)
Ray Dalio 11,109 sh (+101.98%)
Jeremy Grantham 1,102,484 sh (+67.53%)
Joel Greenblatt 109,499 sh (+61.37%)
Ken Fisher 295,924 sh (+23.08%)
Andreas Halvorsen 7,684,256 sh (+19.46%)
Wallace Weitz 797,039 sh (+9.47%)
Pioneer Investments 4,020,543 sh (+7.28%)
Ruane Cunniff 5,233,499 sh (+5.09%)
Jim Simons 5,644,100 sh (+4.82%)
Chase Coleman 1,904,444 sh (+1.61%)
Tom Russo 9,775,132 sh (+0.37%)
John Griffin 1,679,100 sh (+0.09%)
Tom Gayner 150,600 sh (unchged)
Warren Buffett 4,934,756 sh (unchged)
Lee Ainslie 6,390 sh (unchged)
Steve Mandel Sold Out
Chuck Akre 4,707,088 sh (-0.03%)
First Eagle Investment 1,690,995 sh (-0.40%)
Tweedy Browne 267,170 sh (-0.60%)
Murray Stahl 84,513 sh (-1.42%)
Jeff Auxier 68,360 sh (-1.51%)
Ron Baron 132,652 sh (-1.72%)
Robert Olstein 54,000 sh (-3.57%)
Bill Nygren 3,870,000 sh (-4.91%)
Manning & Napier Advisors, Inc 4,197,937 sh (-6.38%)
Charles de Vaulx 1,075,065 sh (-6.79%)
Mario Gabelli 106,877 sh (-21.92%)
Steven Cohen 476,600 sh (-30.50%)
PRIMECAP Management 54,100 sh (-91.08%)
Spiros Segalas 6,841,357 sh (-21.90%)
» More
Q4 2016

MA Guru Trades in Q4 2016

PRIMECAP Management 129,800 sh (+139.93%)
Ken Fisher 305,894 sh (+3.37%)
Ron Baron 133,672 sh (+0.77%)
Tom Gayner 151,100 sh (+0.33%)
Pioneer Investments 4,028,973 sh (+0.21%)
First Eagle Investment 1,691,928 sh (+0.06%)
Eric Mindich 460,000 sh (unchged)
Warren Buffett 4,934,756 sh (unchged)
Ray Dalio Sold Out
Jim Simons 5,641,400 sh (-0.05%)
John Griffin 1,678,200 sh (-0.05%)
Chuck Akre 4,701,391 sh (-0.12%)
Tweedy Browne 266,340 sh (-0.31%)
Wallace Weitz 790,938 sh (-0.77%)
Tom Russo 9,603,214 sh (-1.76%)
Lee Ainslie 6,170 sh (-3.44%)
Jeremy Grantham 1,063,577 sh (-3.53%)
Murray Stahl 80,043 sh (-5.29%)
Ruane Cunniff 4,932,805 sh (-5.75%)
Manning & Napier Advisors, Inc 3,928,450 sh (-6.42%)
Mario Gabelli 99,417 sh (-6.98%)
Robert Olstein 49,000 sh (-9.26%)
Steven Cohen 427,600 sh (-10.28%)
Andreas Halvorsen 4,304,695 sh (-43.98%)
Joel Greenblatt 61,030 sh (-44.26%)
Chase Coleman 1,053,341 sh (-44.69%)
Paul Tudor Jones 6,016 sh (-97.85%)
Spiros Segalas 6,509,610 sh (-4.85%)
» More
» Details

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522320    SIC: 7389
Compare:NYSE:AXP, NAS:PYPL, NYSE:COF, NYSE:V, NYSE:SYF, NYSE:DFS, NYSE:IX, NYSE:ADS, NYSE:TSS, NYSE:WU, NAS:SLM, OTCPK:FPLPY, OTCPK:EDNMY, NAS:NAVI, OTCPK:ELEEF, NAS:CACC, NYSE:OMF, NYSE:LC, NYSE:NNI, NYSE:FCFS » details
Traded in other countries:MSCD34.Brazil, M4I.Germany, MA.Mexico, MA.Switzerland, 0R2Z.UK,
MasterCard Inc is a technology company in the payments industry that connects consumers, financial institutions, merchants, governments and businesses, enabling them to use electronic forms of payment instead of cash and checks.

MasterCard Inc was incorporated as a Delaware corporation in May 2001. The Company is a technology company in the payments industry that connects consumers, financial institutions, merchants, governments and businesses, enabling them to use electronic forms of payment instead of cash and checks. It facilitates the processing of payment transactions, including authorization, clearing and settlement, and deliver related products and services. It makes payments easier and more efficient by creating payment solutions and services using its family of brands, including MasterCard, Maestro and Cirrus. The Company also provides value-added offerings such as loyalty and reward programs, information services and consulting. Its network is designed to ensure safety and security for the payments system. The Company operates the MasterCard Network and proprietary payments network that links issuers and acquirers around the globe to facilitate the processing of transactions, permitting MasterCard cardholders to use their cards and other payment devices at millions of merchants. Its network facilitates an efficient and secure means for merchants to receive payments, and a convenient, quick and secure payment method for consumers and businesses that is accepted. It processes transactions through its network for its issuer customers in more than 150 currencies in more than 210 countries and territories.

Guru Investment Theses on Mastercard Inc

Weitz Funds Comments on Mastercard - Nov 11, 2016

Mastercard (NYSE:MA) operates the world’s second-largest payment network and one of the best known global brands. During the quarter, shares rose as investors applauded continued payment volume growth and a slightly improved economic global outlook. Mastercard is among the most attractive businesses we own. Its network is well entrenched within the plumbing of payment systems across the globe. The transition from cash to digital forms of payment provide growth opportunities, while the core business produces healthy doses of excess cash flow with modest reinvestment requirements.



  • From Weitz Balanced Fund third quarter 2016 commentary.


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Tom Russo Comments on MasterCard - Sep 26, 2016

MasterCard (NYSE:MA) shares have suffered during the first half of 2016 in part as a reaction against all the global disruption ongoing in financial markets and global political corridors. Terrorist bombings throughout Europe slow travel and slow cross-border transactions, the growth of which had over the past decades fueled growth in interconnect revenues. Decline in consumer confidence also pressures revenues and growth in gross dollar volumes billed.



Finally, MasterCard and other domestic payment networks suffer from concern over the overturning of an agreed settlement with retailers over alleged anticompetitive pricing activities. The repeal of the settlement in the United States coupled with a judicial loss in the United Kingdom in a law suit alleging anticompetitive pricing has triggered concerns over regulatory and legal environment, now weighing on MasterCard’s share price.



I believe that current turbulence impacting MasterCard’s share price will abate as travel patterns return, consumer confidence restores, and payment networks reach reasonable ways in which to be paid for the benefits that payment systems offer merchants. The growth of mobile platforms will only further drive the migration globally from cash payment (cash payments represent currently over 80 percent of commerce throughout the world beyond the United States) to digital payment. MasterCard has massive capacity to reinvest mature industry cash flows to exploit new marketing opportunities for using credit, for increased consumer spending, for assisting government distribution of social benefits in secure manner, etc.



From Tom Russo (Trades, Portfolio)'s Semper Vic Partners second quarter 2016 shareholder letter.



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Wallace Weitz Comments on MasterCard - Apr 22, 2016

MasterCard (NYSE:MA) is the world’s second-largest payment network and one of the best known global brands. MasterCard is among the most attractive businesses we own. Its network is well entrenched within the plumbing of payment systems across the global. The transition from cash to digital forms of payment provides growth opportunities over and above underlying economic expansion, and its core business produces healthy doses of excess cash flow with modest reinvestment requirements.

From Wallace Weitz (Trades, Portfolio)'s Weitz Partners Value Fund 1st quarter 2016 commentary.

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Wallace Weitz Comments on MasterCard - Apr 14, 2016

MasterCard (NYSE:MA) ($95 per share) is basically a royalty on global consumer spending. Regardless of near-term economic growth rates, MasterCard is likely to be able to produce 10-15% annual earnings per share growth over the next several years. Its stock price is also near our appraised value, but if earnings grow at 10-15% per year, they will double in 5-7 years. Even if the P/E paid by investors shrinks a bit, our total return should be very attractive.

From Wallace Weitz (Trades, Portfolio)'s First Quarter Value Matters.

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GAMCO Global Growth Fund Comments on MasterCard Inc. - Feb 22, 2016

MasterCard Inc. (NYSE:MA) (1.9%) (MA – $97.36 – NYSE) is a technology company in the global payments industry that operates the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. MasterCard’s products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone.



From the GAMCO Global Growth Fund fourth quarter 2015 commentary.



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Weitz Funds Comments on MasterCard - Nov 16, 2015

MasterCard (NYSE:MA) is the world’s second largest payment network and one of the best known global brands, needing little introduction. The Fund began building a position below $85 during the broader market swoon in August at a nice discount to our base case estimate of intrinsic value. MasterCard is among the most attractive businesses we own. Its network is well entrenched within the plumbing of payment systems across the globe, the transition from cash to digital forms of payment provides growth opportunities over and above underlying economic expansion, and its core business produces healthy doses of excess cash flow with modest reinvestment requirements. We would welcome additional opportunities to add to the Fund’s position.





From Weitz Funds' Balanced Fund third quarter 2015 commentary.



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Baron Funds Comments on MasterCard Inc. - Nov 10, 2015

MasterCard, Inc. (NYSE:MA) is the world’s second-largest payments technology company that connects consumers, businesses, banks and governments, enabling them to use electronic forms of payment instead of cash and checks. There are over two billion MasterCard- and Maestro-branded cards outstanding with acceptance at 36 million locations in more than 210 countries and territories. Broad merchant acceptance and consumer adoption of MasterCard-branded cards create strong network effects. 85% of all payment transactions are made with cash or checks today, while only 15% are made with electronic forms of payment, providing substantial room for further growth. We added to our position in MasterCard in the quarter.



From Baron Opportunity Fund's third quarter 2015 letter.



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GAMCO Investors Comments on Mastercard Inc. - Oct 19, 2015

Mastercard Inc. (NYSE:MA)(3.2%) (MA – $90.12 – NYSE) is a technology company in the global payments industry that operates the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. MasterCard’s products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone.





From GAMCO's Growth Fund third quarter 2015 commentary.



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Sequoia Fund Comments on MasterCard - Aug 27, 2015

Question:



A couple of questions on MasterCard (NYSE:MA). Visa (NYSE:V) benefits from a lot of the same secular trends that MasterCard does; so I am curious why you guys own MasterCard and not Visa. Secondly, if you could comment on some of the recent acquisitions that MasterCard has made, and the strategic and financial rationale, if you agree with those.



John Harris:



Let’s see, why do we own MasterCard instead of Visa? There is not really a good answer. We should have owned both. We should have owned more of both. We should have owned a lot more of both. It is a tremendous mistake for which I bear significant responsibility. So that is the answer to that.



The acquisitions — I have to be honest with you, and this is self-deprecating and not intentionally so — I have had a tough time understanding many of the acquisitions that these two companies have done over the years. Not just MasterCard, Visa also. Visa plunked down a sizeable amount of money to buy a business called CyberSource, which worked for a couple years and now is not working so well. There is an understanding at the card networks that things will eventually change. It has been remarkable and surprising to me how slow the pace of change has actually been and how as threats have emerged, they have quickly gone by the wayside. It just turns out that the network business model is incredibly resilient. But there is some concern — subconscious, whatever you want to call it — that eventually things may change and that the change is going to be driven by technology. So there is a desire on both of their parts, especially when new CEOs took over at both companies I noticed a marked increase in this desire, to try to ramp up the pace of innovation hopefully to head off some of the technological threats that they see on the horizon. The fact of the matter is that Visa and MasterCard have not traditionally been terribly innovative organizations. They were cooperatives for most of their lives and overseen by bankers. That is all you need to know on that subject.



They are doing their best. To be totally honest, they feel like part of being innovative and doing a good job is buying small innovative businesses. Whether any of them have really added anything, there certainly is no perceptible evidence. It is possible that at some point in the future we will find out that MasterCard is able to adapt to technological change because of some small acquisition it did in the past — it is entirely possible, but I do not see any evidence of it. In the past, for the most part the deals the company has done have been so small that they have had a nonmaterial impact on the financial progress of the business. This year that has changed a little bit. MasterCard did a couple of deals that were pretty meaningfully dilutive to its earnings so that the company is going to have the slowest rate of earnings growth it has had this year since we have owned the stock and since it has been a public company — we have owned it for its entire life as a public company. A lot of that is foreign exchange, which is a real headwind this year. Part of it is those acquisitions, which are detracting in a meaningful way from the earnings.



Bob Goldfarb:



As to why we bought MasterCard rather than Visa, we bought MasterCard in the first few days that it went public. We should have kept going, as John said. Visa went public later and it was priced off MasterCard, which was selling at a significantly higher price at that time than when it went public.



From Ruane, Cunniff & Goldfarb Investor Day 2015 Transcript Part I.



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Weitz Funds Comments on Mastercard Guru stock highlight
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Tom Russo Comments on MasterCard Guru stock highlight
MasterCard (NYSE:MA) shares have suffered during the first half of 2016 in part as a reaction against all the global disruption ongoing in financial markets and global political corridors. Terrorist bombings throughout Europe slow travel and slow cross-border transactions, the growth of which had over the past decades fueled growth in interconnect revenues. Decline in consumer confidence also pressures revenues and growth in gross dollar volumes billed. Read more...
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Ratios

vs
industry
vs
history
PE Ratio 30.69
MA's PE Ratio is ranked lower than
70% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 15.31 vs. MA: 30.69 )
Ranked among companies with meaningful PE Ratio only.
MA' s PE Ratio Range Over the Past 10 Years
Min: 26.65  Med: 28.37 Max: 31.28
Current: 30.69
26.65
31.28
Forward PE Ratio 25.77
MA's Forward PE Ratio is ranked lower than
95% of the 56 Companies
in the Global Credit Services industry.

( Industry Median: 12.08 vs. MA: 25.77 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 30.69
MA's PE Ratio without NRI is ranked lower than
71% of the 290 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. MA: 30.69 )
Ranked among companies with meaningful PE Ratio without NRI only.
MA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 26.65  Med: 28.37 Max: 31.28
Current: 30.69
26.65
31.28
Price-to-Owner-Earnings 38.26
MA's Price-to-Owner-Earnings is ranked lower than
83% of the 83 Companies
in the Global Credit Services industry.

( Industry Median: 12.92 vs. MA: 38.26 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 30.05  Med: 36.24 Max: 43.27
Current: 38.26
30.05
43.27
PB Ratio 20.90
MA's PB Ratio is ranked lower than
98% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 1.31 vs. MA: 20.90 )
Ranked among companies with meaningful PB Ratio only.
MA' s PB Ratio Range Over the Past 10 Years
Min: 16.31  Med: 17.97 Max: 20.9
Current: 20.9
16.31
20.9
PS Ratio 11.56
MA's PS Ratio is ranked lower than
79% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 3.91 vs. MA: 11.56 )
Ranked among companies with meaningful PS Ratio only.
MA' s PS Ratio Range Over the Past 10 Years
Min: 10.17  Med: 11 Max: 12.25
Current: 11.56
10.17
12.25
Price-to-Free-Cash-Flow 30.44
MA's Price-to-Free-Cash-Flow is ranked lower than
90% of the 101 Companies
in the Global Credit Services industry.

( Industry Median: 8.71 vs. MA: 30.44 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
MA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 25.78  Med: 29.4 Max: 35.18
Current: 30.44
25.78
35.18
Price-to-Operating-Cash-Flow 27.85
MA's Price-to-Operating-Cash-Flow is ranked lower than
84% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 8.47 vs. MA: 27.85 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
MA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 23.66  Med: 26.89 Max: 31.31
Current: 27.85
23.66
31.31
EV-to-EBIT 20.68
MA's EV-to-EBIT is ranked lower than
54% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 19.13 vs. MA: 20.68 )
Ranked among companies with meaningful EV-to-EBIT only.
MA' s EV-to-EBIT Range Over the Past 10 Years
Min: 18.8  Med: 20 Max: 22.6
Current: 20.68
18.8
22.6
EV-to-EBITDA 19.43
MA's EV-to-EBITDA is ranked lower than
55% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 16.52 vs. MA: 19.43 )
Ranked among companies with meaningful EV-to-EBITDA only.
MA' s EV-to-EBITDA Range Over the Past 10 Years
Min: 17.6  Med: 18.7 Max: 21.1
Current: 19.43
17.6
21.1
PEG Ratio 1.53
MA's PEG Ratio is ranked lower than
72% of the 95 Companies
in the Global Credit Services industry.

( Industry Median: 0.65 vs. MA: 1.53 )
Ranked among companies with meaningful PEG Ratio only.
MA' s PEG Ratio Range Over the Past 10 Years
Min: 1.39  Med: 1.52 Max: 1.73
Current: 1.53
1.39
1.73
Shiller PE Ratio 56.58
MA's Shiller PE Ratio is ranked lower than
95% of the 41 Companies
in the Global Credit Services industry.

( Industry Median: 14.88 vs. MA: 56.58 )
Ranked among companies with meaningful Shiller PE Ratio only.
MA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 49.97  Med: 56.56 Max: 67.1
Current: 56.58
49.97
67.1
Current Ratio 1.84
MA's Current Ratio is ranked lower than
60% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.95 vs. MA: 1.84 )
Ranked among companies with meaningful Current Ratio only.
MA' s Current Ratio Range Over the Past 10 Years
Min: 1.35  Med: 1.76 Max: 2.05
Current: 1.84
1.35
2.05
Quick Ratio 1.84
MA's Quick Ratio is ranked lower than
57% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.54 vs. MA: 1.84 )
Ranked among companies with meaningful Quick Ratio only.
MA' s Quick Ratio Range Over the Past 10 Years
Min: 1.35  Med: 1.76 Max: 2.05
Current: 1.84
1.35
2.05
Days Sales Outstanding 49.59
MA's Days Sales Outstanding is ranked lower than
65% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 15.75 vs. MA: 49.59 )
Ranked among companies with meaningful Days Sales Outstanding only.
MA' s Days Sales Outstanding Range Over the Past 10 Years
Min: 40.74  Med: 46.74 Max: 84.29
Current: 49.59
40.74
84.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.71
MA's Dividend Yield % is ranked lower than
84% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 vs. MA: 0.71 )
Ranked among companies with meaningful Dividend Yield % only.
MA' s Dividend Yield % Range Over the Past 10 Years
Min: 0.57  Med: 0.72 Max: 0.79
Current: 0.71
0.57
0.79
Dividend Payout Ratio 0.21
MA's Dividend Payout Ratio is ranked higher than
79% of the 150 Companies
in the Global Credit Services industry.

( Industry Median: 0.30 vs. MA: 0.21 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MA' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.02  Med: 0.05 Max: 0.21
Current: 0.21
0.02
0.21
3-Year Dividend Growth Rate 45.90
MA's 3-Year Dividend Growth Rate is ranked higher than
91% of the 91 Companies
in the Global Credit Services industry.

( Industry Median: 8.40 vs. MA: 45.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
MA' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 129.3
Current: 45.9
0
129.3
Forward Dividend Yield % 0.79
MA's Forward Dividend Yield % is ranked lower than
83% of the 254 Companies
in the Global Credit Services industry.

( Industry Median: 3.04 vs. MA: 0.79 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 18.57
MA's 5-Year Yield-on-Cost % is ranked higher than
88% of the 322 Companies
in the Global Credit Services industry.

( Industry Median: 3.24 vs. MA: 18.57 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 14.91  Med: 18.84 Max: 20.67
Current: 18.57
14.91
20.67
3-Year Average Share Buyback Ratio 3.30
MA's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 vs. MA: 3.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -16.1  Med: -2.1 Max: 9.1
Current: 3.3
-16.1
9.1

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 584.21
MA's Price-to-Net-Current-Asset-Value is ranked lower than
100% of the 165 Companies
in the Global Credit Services industry.

( Industry Median: 2.41 vs. MA: 584.21 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
MA' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 141.18  Med: 339.59 Max: 584.21
Current: 584.21
141.18
584.21
Price-to-Tangible-Book 37.76
MA's Price-to-Tangible-Book is ranked lower than
99% of the 373 Companies
in the Global Credit Services industry.

( Industry Median: 1.48 vs. MA: 37.76 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 32.29  Med: 34.1 Max: 37.76
Current: 37.76
32.29
37.76
Price-to-Intrinsic-Value-Projected-FCF 2.27
MA's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
80% of the 86 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. MA: 2.27 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 2.25  Med: 2.36 Max: 2.41
Current: 2.27
2.25
2.41
Price-to-Median-PS-Value 1.57
MA's Price-to-Median-PS-Value is ranked lower than
81% of the 325 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. MA: 1.57 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 1.02  Med: 1.04 Max: 1.57
Current: 1.57
1.02
1.57
Price-to-Peter-Lynch-Fair-Value 1.74
MA's Price-to-Peter-Lynch-Fair-Value is ranked lower than
84% of the 58 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. MA: 1.74 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
MA' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.53  Med: 1.55 Max: 1.74
Current: 1.74
1.53
1.74
Price-to-Graham-Number 7.11
MA's Price-to-Graham-Number is ranked lower than
96% of the 237 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. MA: 7.11 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 6.43  Med: 6.59 Max: 7.11
Current: 7.11
6.43
7.11
Earnings Yield (Greenblatt) % 4.79
MA's Earnings Yield (Greenblatt) % is ranked higher than
57% of the 387 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. MA: 4.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.4  Med: 5 Max: 5.3
Current: 4.79
4.4
5.3
Forward Rate of Return (Yacktman) % 21.90
MA's Forward Rate of Return (Yacktman) % is ranked higher than
63% of the 112 Companies
in the Global Credit Services industry.

( Industry Median: 7.73 vs. MA: 21.90 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
MA' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 19.5  Med: 21.7 Max: 22.2
Current: 21.9
19.5
22.2

More Statistics

Revenue (TTM) (Mil) $10,776
EPS (TTM) $ 3.69
Beta1.11
Short Percentage of Float0.56%
52-Week Range $84.59 - 111.07
Shares Outstanding (Mil)1,077.92

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 11,826 13,295 14,736
EPS ($) 4.25 5.00 5.65
EPS without NRI ($) 4.25 5.00 5.65
EPS Growth Rate
(Future 3Y To 5Y Estimate)
13.19%
Dividends per Share ($) 0.99
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