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MastercardXSWX:MA -0.49%95 3-Year EPS without NRI Growth Rate is 16.90% as of Jun. 2026, which is 22% below its 10-year median of 21.60. GuruFocus rates XSWX:MA with a GF Score™ of 95/100 and a GF Value™ of CHF542.97. The stock has 3 warning signs investors should review. Among 433 Credit Services companies, Mastercard ranks better than 57.74% on this metric.
During the past 12 months, Mastercard's average EPS without NRI Growth Rate was 20.50% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 16.90% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 21.00% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 17.20% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Mastercard was 71.60% per year. The lowest was 8.40% per year. And the median was 21.60% per year.
Mastercard (XSWX:MA) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Mastercard 3-Year EPS without NRI Growth Rate Related Terms
XSWX:MA vs V, AXP, COF: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Mastercard's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mastercard's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Mastercard's 3-Year EPS without NRI Growth Rate falls into.
Mastercard 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 16.90% mean?
Mastercard (XSWX:MA) has a 3-Year EPS without NRI Growth Rate of 16.90% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Mastercard and its competitors. This is 22% below median its historical median of 21.60. Over the past decade, Mastercard's 3-Year EPS without NRI Growth Rate has ranged from 8.40 to 71.60. According to the industry distribution chart, Mastercard ranks #183 out of 433 companies in the Credit Services industry, placing it in the top 42.3%.
Is Mastercard's 3-Year EPS without NRI Growth Rate too high?
Mastercard's current 3-Year EPS without NRI Growth Rate of 16.90% is 22% below median its 10-year median of 21.60. Over the past 10 years, this metric has ranged from a low of 8.40 to a high of 71.60. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. Mastercard's value of 16.90% is 48.2% above this industry median. Based on the distribution chart, Mastercard ranks #183 out of 433 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 EPS without NRI Growth Rate compare to V and AXP?
According to the Credit Services industry distribution chart, Mastercard ranks #183 out of 433 companies for 3-Year EPS without NRI Growth Rate. This puts Mastercard in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. Mastercard's value of 16.90% is 48.2% above this benchmark. Historically, Mastercard's own 3-Year EPS without NRI Growth Rate has ranged from 8.40 to 71.60 over the past decade. While the company's 10-year median is 21.60 vs. the industry median of 11.40, 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 EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 433 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mastercard's current 3-Year EPS without NRI Growth Rate of 16.90% is 48.2% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Mastercard and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mastercard's current 3-Year EPS without NRI Growth Rate is 16.90%, which is 22% below median its own 10-year median of 21.60. 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 EPS without NRI Growth Rate of 16.90%. The stock's GF Value™ is CHF542.97, compared to a current price of CHF461.45 — trading 15% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 16.90%, which is 22% below median its 10-year median of 21.60 and 48.2% above the Credit Services industry median of 11.40. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Mastercard (XSWX:MA), the current 3-Year EPS without NRI Growth Rate is 16.90% 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 15% below its estimated GF Value™ of CHF542.97.
Key valuation signals for XSWX:MA:
3-Year EPS without NRI Growth Rate: 16.90% (22% below median its 10-year median of 21.60)
GF Value™: CHF542.97 vs. price of CHF461.45 (15% below fair value)
Industry Position: 48.2% above the Credit Services median (#183 of 433)
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
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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