Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
MastercardXSWX:MA 95 3-Year Book Growth Rate is 9.50% as of Jun. 2026, which is 14% below its 10-year median of 11.05. GuruFocus rates XSWX:MA with a GF Score™ of 95/100 and a GF Value™ of CHF550.68. The stock has 3 warning signs investors should review. Among 517 Credit Services companies, Mastercard ranks better than 63.06% on this metric.
During the past 12 months, Mastercard's average Book Value per Share Growth Rate was -26.30% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 9.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 4.30% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 5.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Mastercard was 58.30% per year. The lowest was -7.00% per year. And the median was 11.05% per year.
Mastercard (XSWX:MA) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Mastercard 3-Year Book Growth Rate Related Terms
XSWX:MA vs V, AXP, COF: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Mastercard's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Mastercard 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mastercard's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Mastercard's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 9.50% mean?
Mastercard (XSWX:MA) has a 3-Year Book Growth Rate of 9.50% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Mastercard and its competitors. This is 14% below median its historical median of 11.05. According to the industry distribution chart, Mastercard ranks #191 out of 517 companies in the Credit Services industry, placing it in the top 36.9%.
Is Mastercard's 3-Year Book Growth Rate too high?
Mastercard's current 3-Year Book Growth Rate of 9.50% is 14% below median its 10-year median of 11.05. The Credit Services industry median 3-Year Book Growth Rate is 5.60. Mastercard's value of 9.50% is 69.6% above this industry median. Based on the distribution chart, Mastercard ranks #191 out of 517 companies in the Credit Services industry, which is above the industry midpoint. Overall, Mastercard has a GF Score™ of 95/100, reflecting its overall financial health beyond just this single metric.
How does Mastercard's 3-Year Book Growth Rate compare to V and AXP?
According to the Credit Services industry distribution chart, Mastercard ranks #191 out of 517 companies for 3-Year Book Growth Rate. This puts Mastercard in the upper half of its industry. The industry median 3-Year Book Growth Rate is 5.60. Mastercard's value of 9.50% is 69.6% above this benchmark. While the company's 10-year median is 11.05 vs. the industry median of 5.60, Mastercard has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 5.60, based on 517 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mastercard's current 3-Year Book Growth Rate of 9.50% is 69.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Mastercard and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 5.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mastercard's current 3-Year Book Growth Rate is 9.50%, which is 14% below median its own 10-year median of 11.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mastercard stock overvalued right now?
Mastercard (XSWX:MA) has a current 3-Year Book Growth Rate of 9.50%. The stock's GF Value™ is CHF550.68, compared to a current price of CHF461.45 — trading 16.2% below its estimated fair value. The current 3-Year Book Growth Rate is 9.50%, which is 14% below median its 10-year median of 11.05 and 69.6% above the Credit Services industry median of 5.60. Mastercard's overall GF Score™ is 95/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Mastercard (XSWX:MA), the current 3-Year Book Growth Rate is 9.50% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Mastercard (XSWX:MA) Overvalued in 2026?
Based on GuruFocus' analysis, Mastercard stock appears to be undervalued.
The current stock price of CHF461.45 is trading 16.2% below its estimated GF Value™ of CHF550.68.
Key valuation signals for XSWX:MA:
3-Year Book Growth Rate: 9.50% (14% below median its 10-year median of 11.05)
GF Value™: CHF550.68 vs. price of CHF461.45 (16.2% below fair value)
Industry Position: 69.6% above the Credit Services median (#191 of 517)
No single metric tells the full story. See the XSWX:MA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mastercard is the second-largest payment processor in the world, having processed close to $11 trillion in volume during 2025. Mastercard operates in over 200 countries and processes transactions in over 150 currencies.
95GF Score
Get the complete analysis for XSWX:MA
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSWX:MA has been successfully added to your 
