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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 : 9/10

vs
industry
vs
history
Cash to Debt 2.05
MA's Cash to Debt is ranked higher than
56% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 0.87 vs. MA: 2.05 )
Ranked among companies with meaningful Cash to Debt only.
MA' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 129.04 Max: No Debt
Current: 2.05
Equity to Asset 0.37
MA's Equity to Asset is ranked lower than
58% of the 299 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. MA: 0.37 )
Ranked among companies with meaningful Equity to Asset only.
MA' s Equity to Asset Range Over the Past 10 Years
Min: 0.24  Med: 0.48 Max: 0.62
Current: 0.37
0.24
0.62
Interest Coverage 83.25
MA's Interest Coverage is ranked higher than
66% of the 242 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. MA: 83.25 )
Ranked among companies with meaningful Interest Coverage only.
MA' s Interest Coverage Range Over the Past 10 Years
Min: 3.75  Med: 52.92 Max: 321.64
Current: 83.25
3.75
321.64
F-Score: 5
Z-Score: 10.34
M-Score: -3.10
WACC vs ROIC
11.87%
162.38%
WACC
ROIC
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 : 8/10

vs
industry
vs
history
Operating margin (%) 52.53
MA's Operating margin (%) is ranked higher than
83% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 18.28 vs. MA: 52.53 )
Ranked among companies with meaningful Operating margin (%) only.
MA' s Operating margin (%) Range Over the Past 10 Years
Min: -10.71  Med: 42.37 Max: 53.95
Current: 52.53
-10.71
53.95
Net-margin (%) 39.39
MA's Net-margin (%) is ranked higher than
82% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 14.47 vs. MA: 39.39 )
Ranked among companies with meaningful Net-margin (%) only.
MA' s Net-margin (%) Range Over the Past 10 Years
Min: -5.09  Med: 28.54 Max: 38.18
Current: 39.39
-5.09
38.18
ROE (%) 59.89
MA's ROE (%) is ranked higher than
98% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. MA: 59.89 )
Ranked among companies with meaningful ROE (%) only.
MA' s ROE (%) Range Over the Past 10 Years
Min: -10.25  Med: 41.34 Max: 53.87
Current: 59.89
-10.25
53.87
ROA (%) 25.01
MA's ROA (%) is ranked higher than
98% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. MA: 25.01 )
Ranked among companies with meaningful ROA (%) only.
MA' s ROA (%) Range Over the Past 10 Years
Min: -3.99  Med: 20.25 Max: 24.46
Current: 25.01
-3.99
24.46
ROC (Joel Greenblatt) (%) 792.89
MA's ROC (Joel Greenblatt) (%) is ranked higher than
96% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 11.57 vs. MA: 792.89 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
MA' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: -93.67  Med: 628.61 Max: 904.61
Current: 792.89
-93.67
904.61
Revenue Growth (3Y)(%) 15.70
MA's Revenue Growth (3Y)(%) is ranked higher than
74% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. MA: 15.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.2  Med: 12.10 Max: 20.8
Current: 15.7
-0.2
20.8
EBITDA Growth (3Y)(%) 26.40
MA's EBITDA Growth (3Y)(%) is ranked higher than
71% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: 9.10 vs. MA: 26.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 20.30 Max: 115.4
Current: 26.4
0
115.4
EPS Growth (3Y)(%) 27.80
MA's EPS Growth (3Y)(%) is ranked higher than
78% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 8.20 vs. MA: 27.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 6.3  Med: 24.90 Max: 212.1
Current: 27.8
6.3
212.1
» MA's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

MA Guru Trades in Q1 2015

RS Investment Management 6,800 sh (New)
Lee Ainslie 2,900 sh (New)
Steven Cohen 347,200 sh (+192.50%)
Jim Simons 2,185,800 sh (+168.69%)
Louis Moore Bacon 146,949 sh (+99.65%)
Joel Greenblatt 11,272 sh (+94.82%)
Andreas Halvorsen 8,264,648 sh (+92.02%)
Ron Baron 139,864 sh (+69.75%)
Robert Olstein 67,000 sh (+26.42%)
Pioneer Investments 2,720,629 sh (+24.02%)
PRIMECAP Management 952,750 sh (+17.95%)
Tom Gayner 106,000 sh (+13.98%)
Manning & Napier Advisors, Inc 3,214,749 sh (+11.92%)
Wallace Weitz 304,820 sh (+7.29%)
Chuck Akre 4,317,827 sh (+1.20%)
Ken Fisher 226,588 sh (+0.88%)
Tom Russo 10,020,489 sh (+0.38%)
First Eagle Investment 2,919,287 sh (+0.38%)
Ruane Cunniff 5,395,235 sh (+0.09%)
Julian Robertson 35,025 sh (unchged)
John Griffin 1,675,000 sh (unchged)
Westport Asset Management 355,000 sh (unchged)
Chris Davis 15,300 sh (unchged)
Bill Nygren 5,050,000 sh (unchged)
Charles de Vaulx 1,381,079 sh (unchged)
Chuck Royce Sold Out
Ray Dalio Sold Out
Paul Tudor Jones Sold Out
Wintergreen Fund Sold Out
David Winters Sold Out
Tweedy Browne 300,390 sh (-0.68%)
Jeff Auxier 70,460 sh (-0.84%)
Mario Gabelli 204,020 sh (-1.24%)
Chase Coleman 7,111,093 sh (-1.43%)
Murray Stahl 188,499 sh (-1.51%)
Warren Buffett 5,229,756 sh (-3.15%)
Jeremy Grantham 2,604,081 sh (-4.38%)
Ken Heebner 260,000 sh (-7.14%)
Steve Mandel 12,973,653 sh (-35.23%)
» More
Q2 2015

MA Guru Trades in Q2 2015

Manning & Napier Advisors, Inc 5,469,570 sh (+70.14%)
RS Investment Management 8,200 sh (+20.59%)
Tom Gayner 117,000 sh (+10.38%)
Jim Simons 2,385,300 sh (+9.13%)
Wallace Weitz 315,120 sh (+3.38%)
Pioneer Investments 2,793,058 sh (+2.66%)
Ken Fisher 231,722 sh (+2.27%)
PRIMECAP Management 967,550 sh (+1.55%)
Ruane Cunniff 5,419,792 sh (+0.46%)
Chuck Akre 4,328,795 sh (+0.25%)
Tom Russo 10,032,175 sh (+0.12%)
Julian Robertson 35,025 sh (unchged)
Chase Coleman 7,111,093 sh (unchged)
Chris Davis 15,300 sh (unchged)
Warren Buffett 5,229,756 sh (unchged)
Robert Olstein 67,000 sh (unchged)
Lee Ainslie 2,900 sh (unchged)
Westport Asset Management 355,000 sh (unchged)
Charles de Vaulx 1,381,079 sh (unchged)
John Griffin 1,675,000 sh (unchged)
Ken Heebner Sold Out
Louis Moore Bacon Sold Out
Joel Greenblatt Sold Out
Jeff Auxier 70,410 sh (-0.07%)
Andreas Halvorsen 8,218,696 sh (-0.56%)
Mario Gabelli 201,935 sh (-1.02%)
Ron Baron 138,310 sh (-1.11%)
First Eagle Investment 2,881,650 sh (-1.29%)
Murray Stahl 185,739 sh (-1.46%)
Tweedy Browne 292,550 sh (-2.61%)
Bill Nygren 4,850,000 sh (-3.96%)
Steven Cohen 312,000 sh (-10.14%)
Steve Mandel 9,726,632 sh (-25.03%)
Jeremy Grantham 1,256,581 sh (-51.75%)
» More
Q3 2015

MA Guru Trades in Q3 2015

Louis Moore Bacon 100,000 sh (New)
Ron Baron 183,855 sh (+32.93%)
Jim Simons 2,815,600 sh (+18.04%)
Wallace Weitz 369,530 sh (+17.27%)
Tom Gayner 129,000 sh (+10.26%)
Chuck Akre 4,705,134 sh (+8.69%)
Ken Fisher 235,403 sh (+1.59%)
Pioneer Investments 2,820,394 sh (+0.98%)
Ruane Cunniff 5,443,441 sh (+0.44%)
Westport Asset Management 355,000 sh (unchged)
Julian Robertson 35,025 sh (unchged)
Chris Davis 15,300 sh (unchged)
Warren Buffett 5,229,756 sh (unchged)
John Griffin 1,675,000 sh (unchged)
Bill Nygren 4,850,000 sh (unchged)
Steven Cohen Sold Out
Tom Russo 9,930,607 sh (-1.01%)
First Eagle Investment 2,842,136 sh (-1.37%)
Jeff Auxier 69,410 sh (-1.42%)
Manning & Napier Advisors, Inc 5,324,550 sh (-2.65%)
Robert Olstein 63,000 sh (-5.97%)
Charles de Vaulx 1,284,590 sh (-6.99%)
Tweedy Browne 271,995 sh (-7.03%)
Lee Ainslie 2,670 sh (-7.93%)
Steve Mandel 8,343,895 sh (-14.22%)
RS Investment Management 5,784 sh (-29.46%)
Mario Gabelli 141,925 sh (-29.72%)
Andreas Halvorsen 5,427,711 sh (-33.96%)
PRIMECAP Management 606,300 sh (-37.34%)
Murray Stahl 101,880 sh (-45.15%)
Jeremy Grantham 669,965 sh (-46.68%)
Chase Coleman 2,466,401 sh (-65.32%)
» More
Q4 2015

MA Guru Trades in Q4 2015

John Hussman 25,000 sh (New)
Ken Fisher 246,502 sh (+4.71%)
Mario Gabelli 139,005 sh (-2.06%)
» More
» Details

Insider Trades

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Guru Investment Theses on MasterCard Inc

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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Westport Fund Comments on MasterCard Inc - Jul 28, 2014

The largest detractor among the Fund’s holdings was MasterCard, Inc., Class A shares (MA), at minus 45 basis points from a 12% decline in its share price. After an excellent performance in 2013 where earnings growth outpaced expectations and the stock price responded accordingly, 2014 has seen continued earnings growth but a reduction in the price/earnings multiple iii attached to those earnings. The imposition of financial sanctions against Russia for its annexation of Crimea raised questions about MasterCard Inc.’s long term presence in Russia and its earnings growth. However, the outlook is positive as transactions in many countries will continue to move from paper based systems for commerce to electronic transactions.

From Westport Asset Management (Trades, Portfolio)’s Westport Fund Second Quarter 2014 Commentary.

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Chuck Akre Comments on MasterCard Corporation - Jul 23, 2014

MasterCard Corporation (“MasterCard”) (NYSE: MA)

Market cap: $85.8 billion (as of 6/30/14)

Company overview:

MasterCard (MA) is a payment technology and network company, operating the world’s second largest payment network connecting banks, consumers, and merchants in over 210 countries. MasterCard was collectively owned by its member banks until it became a public, stand-alone company in 2006, from which point through 2012 it grew revenue 14% compounded annually and free cash flow per share over 34% compounded annually as operating margins expanded from 20% to over 53%.

Akre Focus Fund Investment:

Our investment in MasterCard began in February 2010 under the cloud of uncertainty presented by the Durbin Amendment (part of Dodd-Frank) and its potential impact on MasterCard’s debit business. Through appreciation and subsequent opportunistic purchases, as of June 2014 MasterCard represented 7.6% of the portfolio.

Investment thesis:

Approximately 85% of the world’s purchase transactions today are done using cash and checks. This presents an enormous market opportunity for MasterCard - perhaps the largest imaginable if one thinks of Gross Domestic Product as the summation of all the purchase transactions in an economy. In MasterCard, we believe we own a business with increasing odds of being involved and potentially profiting from the growth and secular movement of those purchase transactions to electronic means of payment, earning a small piece on the trillions of dollars transacted over its network. This ongoing shift continued to be aided by the growth of ecommerce, new acceptance locations/categories (taxis, toll roads), the increasing inclusion via prepaid cards of 2.5 billion unbanked consumers worldwide, mobile commerce (given the lack of wireline infrastructure in many countries), and governments moving payment disbursement programs (e.g. Social Security, Veterans benefits) from paper checks to electronic payments. Furthermore, MasterCard has no debt, a nearly 40% free cash flow margin, pricing power, and the company is able to repurchase billions of dollars annually of its stock while reinvesting in what it calls “the war on cash.”

The examples of specific discrete investments are included merely to illustrate Akre Capital Management’s investment process and strategy, and a portfolio will typically contain a much larger number of positions than the examples set forth herein. Accordingly, the examples are not intended to indicate overall portfolio performance that may be expected to be achieved.

From Chuck Akre (Trades, Portfolio)’s 2014 Q2 Fund Pitchbook .

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Baron Funds Comments on MasterCard - May 29, 2014

After rising 70% last year, shares of credit card company MasterCard, Inc. fell 11% in the first quarter on lower than expected fourth quarter earnings and forward guidance, due to higher incentive payments to card issuers and the loss of a large bank customer. In addition, a recent court decision reduced the likelihood that MasterCard would take market share from Visa in signature debit processing. We retain conviction based on high barriers to entry and a long runway for growth in electronic payments, particularly outside the U.S., where MasterCard generates most of its revenue.





From Baron Funds' first quarter 2014 commentary.



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Westport Asset Management Comments on MasterCard Inc. - Apr 16, 2014

The greatest disappointment in the quarter was from MasterCard, Inc. (MA) whose stock price declined 10.6% and negatively impacted performance in the quarter by 37 basis points. This negative performance is attributable to results for the fourth quarter of 2013 coming in below estimates. The company decided to invest additional money in support of new customers which reduced earnings. The outlook for MasterCard, Inc. and Visa Inc. is positive as the volume of business increases when countries move from paper based systems for commerce to electronic ones.





From Westport Funds First Quarter 2014 investor letter.





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Sequoia Fund's Discussion of MasterCard - Mar 07, 2014

MasterCard’s 2013 earnings per share increased nearly 20%, driven by the continued trend toward electronic payments globally. As we believe this trend should continue for years to come, MasterCard’s long-term prospects strike us as excellent. The company’s business model is essentially a royalty on global consumption growth, supplemented by the transition away from cash as a payment medium. MasterCard is set up to produce natural expense leverage over time and requires little capital. Processing costs are highly fixed, making for high incremental margins and high returns on capital.





Source: Sequoia Fund's 2013 Annual Report - Management's Discussion of Fund Performance



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Top Ranked Articles about MasterCard Inc

Tiger Global Reduces Stakes in MasterCard, Alibaba Firm led by Chase Coleman trims several holdings
Chase Coleman (Trades, Portfolio) is the founder of Tiger Global Management, an employee owned investment manager. He likes to invest in small caps and technology stocks. Read more...
Weitz Funds Comments on MasterCard Guru stock highlight
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. Read more...
Investor Chuck Akre Boosts Highest-Conviction Holdings Akre concentrates his portfolio in best stocks
Chuck Akre (Trades, Portfolio) oversees $4.9 billion in both private and public mutual fund investments at the Virginia-based asset management firm Akre Capital Management. His team concentrates their portfolio in a small number of positions that they believe have “extraordinary businesses,” honest management and wisely reinvested free cash flow – a trio it dubs “the three-legged stool.” Read more...
Baron Funds Comments on MasterCard Inc. Guru stock highlight
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. Read more...
GAMCO Investors Comments on Mastercard Inc. Guru stock highlight
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. Read more...
Weekly 52-Week Highs Highlight: Hormel Foods, MasterCard, Public Storage, NVIDIA A glance at companies whose stocks have reached their yearly highs.
According to GuruFocus list of 52-week highs, Hormel Foods Corp. (NYSE:HRL), MasterCard Inc. (NYSE:MA), Public Storage (NYSE:PSA) and NVIDIA Corp. (NASDAQ:NVDA) have all reached their 52-week highs. Read more...
Sequoia Fund Comments on MasterCard
Question: Read more...
Chuck Akre Invests in American Tower in First Quarter
Guru Chuck Akre (Trades, Portfolio)’s only new buy in the first quarter – American Tower Corp (NYSE:AMT) – was sufficient to make that stake the second-most valuable in his portfolio behind MasterCard Inc (NYSE:MA). Read more...
Exclusive Interview With Tom Russo Part II
This is the second portion of the interview we conducted with Tom Russo (Trades, Portfolio). The first part of ther interview can be found here. We would like to thank our readers again for the questions submitted. Due to time, we were unable to ask all of them. Read more...
Exclusive Q&A Interview With Tom Russo Part I
We recently had the opportunity to interview guru Tom Russo (Trades, Portfolio) of Gardner Russo & Gardner about his investment strategies in global investing, as well as how he became an investor. The questions asked are from our readers. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 24.70
MA's P/E(ttm) is ranked lower than
71% of the 222 Companies
in the Global Credit Services industry.

( Industry Median: 13.50 vs. MA: 24.70 )
Ranked among companies with meaningful P/E(ttm) only.
MA' s P/E(ttm) Range Over the Past 10 Years
Min: 15.06  Med: 26.47 Max: 310.29
Current: 24.7
15.06
310.29
Forward P/E 20.04
MA's Forward P/E is ranked lower than
90% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 9.42 vs. MA: 20.04 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 24.70
MA's PE(NRI) is ranked lower than
71% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 13.50 vs. MA: 24.70 )
Ranked among companies with meaningful PE(NRI) only.
MA' s PE(NRI) Range Over the Past 10 Years
Min: 14.89  Med: 26.45 Max: 370
Current: 24.7
14.89
370
P/B 14.93
MA's P/B is ranked lower than
96% of the 298 Companies
in the Global Credit Services industry.

( Industry Median: 0.96 vs. MA: 14.93 )
Ranked among companies with meaningful P/B only.
MA' s P/B Range Over the Past 10 Years
Min: 2.8  Med: 8.18 Max: 18.6
Current: 14.93
2.8
18.6
P/S 12.79
MA's P/S is ranked lower than
84% of the 298 Companies
in the Global Credit Services industry.

( Industry Median: 2.93 vs. MA: 12.79 )
Ranked among companies with meaningful P/S only.
MA' s P/S Range Over the Past 10 Years
Min: 2.3  Med: 9.01 Max: 16.37
Current: 12.79
2.3
16.37
PFCF 27.64
MA's PFCF is ranked lower than
83% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 10.27 vs. MA: 27.64 )
Ranked among companies with meaningful PFCF only.
MA' s PFCF Range Over the Past 10 Years
Min: 16.66  Med: 26.05 Max: 85.53
Current: 27.64
16.66
85.53
POCF 24.59
MA's POCF is ranked lower than
82% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 8.52 vs. MA: 24.59 )
Ranked among companies with meaningful POCF only.
MA' s POCF Range Over the Past 10 Years
Min: 15.65  Med: 23.76 Max: 53.84
Current: 24.59
15.65
53.84
EV-to-EBIT 21.71
MA's EV-to-EBIT is ranked lower than
57% of the 227 Companies
in the Global Credit Services industry.

( Industry Median: 18.41 vs. MA: 21.71 )
Ranked among companies with meaningful EV-to-EBIT only.
MA' s EV-to-EBIT Range Over the Past 10 Years
Min: -7089.5  Med: 17.40 Max: 48.2
Current: 21.71
-7089.5
48.2
EV-to-EBITDA 20.31
MA's EV-to-EBITDA is ranked lower than
59% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 17.13 vs. MA: 20.31 )
Ranked among companies with meaningful EV-to-EBITDA only.
MA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -38.9  Med: 17.55 Max: 638.7
Current: 20.31
-38.9
638.7
PEG 1.24
MA's PEG is ranked lower than
71% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 0.59 vs. MA: 1.24 )
Ranked among companies with meaningful PEG only.
MA' s PEG Range Over the Past 10 Years
Min: 0.69  Med: 1.35 Max: 1.59
Current: 1.24
0.69
1.59
Shiller P/E 51.06
MA's Shiller P/E is ranked lower than
97% of the 34 Companies
in the Global Credit Services industry.

( Industry Median: 12.04 vs. MA: 51.06 )
Ranked among companies with meaningful Shiller P/E only.
MA' s Shiller P/E Range Over the Past 10 Years
Min: 52.71  Med: 65.18 Max: 79.5
Current: 51.06
52.71
79.5
Current Ratio 1.62
MA's Current Ratio is ranked lower than
67% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.76 vs. MA: 1.62 )
Ranked among companies with meaningful Current Ratio only.
MA' s Current Ratio Range Over the Past 10 Years
Min: 1.33  Med: 1.84 Max: 2.24
Current: 1.62
1.33
2.24
Quick Ratio 1.62
MA's Quick Ratio is ranked lower than
63% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. MA: 1.62 )
Ranked among companies with meaningful Quick Ratio only.
MA' s Quick Ratio Range Over the Past 10 Years
Min: 1.33  Med: 1.84 Max: 2.24
Current: 1.62
1.33
2.24
Days Sales Outstanding 40.74
MA's Days Sales Outstanding is ranked lower than
55% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 31.48 vs. MA: 40.74 )
Ranked among companies with meaningful Days Sales Outstanding only.
MA' s Days Sales Outstanding Range Over the Past 10 Years
Min: 42.25  Med: 46.74 Max: 84.29
Current: 40.74
42.25
84.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.84
MA's Dividend Yield is ranked lower than
81% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 3.49 vs. MA: 0.84 )
Ranked among companies with meaningful Dividend Yield only.
MA' s Dividend Yield Range Over the Past 10 Years
Min: 0.09  Med: 0.29 Max: 0.77
Current: 0.84
0.09
0.77
Dividend Payout 0.20
MA's Dividend Payout is ranked higher than
81% of the 146 Companies
in the Global Credit Services industry.

( Industry Median: 0.28 vs. MA: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
MA' s Dividend Payout Range Over the Past 10 Years
Min: 0.03  Med: 0.07 Max: 1
Current: 0.2
0.03
1
Dividend Growth (3y) 101.40
MA's Dividend Growth (3y) is ranked higher than
99% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 9.00 vs. MA: 101.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
MA' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 101.4
Current: 101.4
0
101.4
Forward Dividend Yield 0.92
MA's Forward Dividend Yield is ranked lower than
82% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 3.19 vs. MA: 0.92 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 7.78
MA's Yield on cost (5-Year) is ranked higher than
77% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 3.22 vs. MA: 7.78 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MA' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.88  Med: 2.82 Max: 7.78
Current: 7.78
0.88
7.78
3-Year Average Share Buyback Ratio 3.10
MA's 3-Year Average Share Buyback Ratio is ranked higher than
90% of the 143 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 vs. MA: 3.10 )
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: 0.40 Max: 3.1
Current: 3.1
-16.1
3.1

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 73.89
MA's Price/Net Current Asset Value is ranked lower than
96% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 1.83 vs. MA: 73.89 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
MA' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 9.49  Med: 17.04 Max: 80.46
Current: 73.89
9.49
80.46
Price/Tangible Book 27.87
MA's Price/Tangible Book is ranked lower than
98% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 1.05 vs. MA: 27.87 )
Ranked among companies with meaningful Price/Tangible Book only.
MA' s Price/Tangible Book Range Over the Past 10 Years
Min: 3.97  Med: 11.15 Max: 29.4
Current: 27.87
3.97
29.4
Price/Projected FCF 2.02
MA's Price/Projected FCF is ranked lower than
75% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 0.74 vs. MA: 2.02 )
Ranked among companies with meaningful Price/Projected FCF only.
MA' s Price/Projected FCF Range Over the Past 10 Years
Min: 2.06  Med: 2.62 Max: 7.12
Current: 2.02
2.06
7.12
Price/Median PS Value 1.44
MA's Price/Median PS Value is ranked lower than
80% of the 265 Companies
in the Global Credit Services industry.

( Industry Median: 0.92 vs. MA: 1.44 )
Ranked among companies with meaningful Price/Median PS Value only.
MA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.31  Med: 0.98 Max: 1.77
Current: 1.44
0.31
1.77
Price/Peter Lynch Fair Value 1.29
MA's Price/Peter Lynch Fair Value is ranked lower than
73% of the 44 Companies
in the Global Credit Services industry.

( Industry Median: 0.81 vs. MA: 1.29 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MA' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.1  Med: 0.19 Max: 1.43
Current: 1.29
0.1
1.43
Price/Graham Number 5.45
MA's Price/Graham Number is ranked lower than
95% of the 203 Companies
in the Global Credit Services industry.

( Industry Median: 0.84 vs. MA: 5.45 )
Ranked among companies with meaningful Price/Graham Number only.
MA' s Price/Graham Number Range Over the Past 10 Years
Min: 2.19  Med: 3.64 Max: 11.16
Current: 5.45
2.19
11.16
Earnings Yield (Greenblatt) (%) 4.64
MA's Earnings Yield (Greenblatt) (%) is ranked higher than
56% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 3.70 vs. MA: 4.64 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.1  Med: 5.30 Max: 9.9
Current: 4.64
2.1
9.9
Forward Rate of Return (Yacktman) (%) 20.76
MA's Forward Rate of Return (Yacktman) (%) is ranked higher than
73% of the 79 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. MA: 20.76 )
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: 1  Med: 2.50 Max: 75.2
Current: 20.76
1
75.2

More Statistics

Revenue(Mil) $9667
EPS $ 3.35
Beta1.34
Short Percentage of Float0.69%
52-Week Range $74.61 - 101.76
Shares Outstanding(Mil)1122.77

Analyst Estimate

Dec16 Dec17
Revenue(Mil) 11,484 11,913
EPS($) 3.84 4.41
EPS without NRI($) 3.84 4.41

Latest Earnings Webcast

» More Conference Calls

Business Description

Industry: Credit Services » Credit Services
Compare:V, TCAP, DFS, COF, RDCRL » details
Traded in other countries:MSCD34.Brazil, M4I.Germany, MA.Mexico, MA.Switzerland, 0R2Z.UK,
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.
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