MastercardXSWX:MA 93 EV-to-EBITDA is 22.72 as of Jul. 13, 2026, which is 19% below its 10-year median of 27.94. GuruFocus rates XSWX:MA with a GF Score™ of 93/100 and a GF Value™ of CHF526.92. The stock has 1 warning sign investors should review. Among 324 Credit Services companies, Mastercard ranks worse than 50.62% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Mastercard's enterprise value is CHF385,335 Mil.
Mastercard's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was CHF16,964 Mil. Therefore, Mastercard's EV-to-EBITDA for today is 22.72.
The historical rank and industry rank for Mastercard's EV-to-EBITDA or its related term are showing as below:
XSWX:MA'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 17.56 Med: 27.94 Max: 44.14
Current: 22.41
During the past 13 years, the highest EV-to-EBITDA of Mastercard was 44.14. The lowest was 17.56. And the median was 27.94.
XSWX:MA's EV-to-EBITDA is ranked worse than 50.62% of 324
companies
in the Credit Services industry
Industry Median: 22.355
vs XSWX:MA: 22.41
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Mastercard (XSWX:MA) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Mastercard's share price for today is CHF421.00.
Mastercard's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was CHF13.792.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Mastercard's EV-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Mastercard's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mastercard's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Mastercard's EV-to-EBITDA falls into.
Mastercard's current Enterprise Value is CHF385,335 Mil.
Mastercard's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was CHF16,964 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Mastercard (XSWX:MA) has a EV-to-EBITDA of 22.72 as of Jul. 13, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Mastercard. This is 19% below median its historical median of 27.94. Over the past decade, Mastercard's EV-to-EBITDA has ranged from 17.56 to 44.14. According to the industry distribution chart, Mastercard ranks #164 out of 324 companies in the Credit Services industry, placing it in the top 50.6%.
Is Mastercard's EV-to-EBITDA too high?
Mastercard's current EV-to-EBITDA of 22.72 is 19% below median its 10-year median of 27.94. Over the past 10 years, this metric has ranged from a low of 17.56 to a high of 44.14. The Credit Services industry median EV-to-EBITDA is 22.36. Mastercard's value of 22.72 is 1.6% above this industry median. Based on the distribution chart, Mastercard ranks #164 out of 324 companies in the Credit Services industry, which is below the industry midpoint. Overall, Mastercard has a GF Score™ of 93/100, reflecting its overall financial health beyond just this single metric.
How does Mastercard's EV-to-EBITDA compare to V and AXP?
According to the Credit Services industry distribution chart, Mastercard ranks #164 out of 324 companies for EV-to-EBITDA. This places Mastercard in the lower half of its industry. The industry median EV-to-EBITDA is 22.36. Mastercard's value of 22.72 is 1.6% above this benchmark. Historically, Mastercard's own EV-to-EBITDA has ranged from 17.56 to 44.14 over the past decade. While the company's 10-year median is 27.94 vs. the industry median of 22.36, 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 22.36, based on 324 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mastercard's current EV-to-EBITDA of 22.72 is 1.6% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Mastercard. For the Credit Services industry, the median EV-to-EBITDA is 22.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mastercard's current EV-to-EBITDA is 22.72, which is 19% below median its own 10-year median of 27.94. 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 EV-to-EBITDA of 22.72. The stock's GF Value™ is CHF526.92, compared to a current price of CHF421.00 — trading 20.1% below its estimated fair value. The current EV-to-EBITDA is 22.72, which is 19% below median its 10-year median of 27.94 and 1.6% above the Credit Services industry median of 22.36. Mastercard's overall GF Score™ is 93/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Mastercard (XSWX:MA), the current EV-to-EBITDA is 22.72 as of Jul. 13, 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 CHF421.00 is trading 20.1% below its estimated GF Value™ of CHF526.92.
Key valuation signals for XSWX:MA:
EV-to-EBITDA: 22.72 (19% below median its 10-year median of 27.94)
GF Value™: CHF526.92 vs. price of CHF421.00 (20.1% below fair value)
Industry Position: 1.6% above the Credit Services median (#164 of 324)
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.
93GF Score
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