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MastercardXSWX:MA -0.54%94 Equity-to-Asset is 0.13 as of Mar. 2026, which is 32% below its 10-year median of 0.19. GuruFocus rates XSWX:MA with a GF Score™ of 94/100 and a GF Value™ of CHF534.60. The stock has 2 warning signs investors should review. Among 546 Credit Services companies, Mastercard ranks worse than 84.25% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Mastercard's Total Stockholders Equity for the quarter that ended in Mar. 2026 was CHF5,290 Mil. Mastercard's Total Assets for the quarter that ended in Mar. 2026 was CHF41,293 Mil.
Therefore, Mastercard's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.13.
The historical rank and industry rank for Mastercard's Equity-to-Asset or its related term are showing as below:
XSWX:MA'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.13 Med: 0.19 Max: 0.36
Current: 0.13
During the past 13 years, the highest Equity to Asset Ratio of Mastercard was 0.36. The lowest was 0.13. And the median was 0.19.
XSWX:MA's Equity-to-Asset is ranked worse than 84.25% of 546
companies
in the Credit Services industry
Industry Median: 0.405
vs XSWX:MA: 0.13
Mastercard (XSWX:MA) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Mastercard Equity-to-Asset Related Terms
Mastercard Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Mastercard's Equity-to-Asset 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.
XSWX:MA vs V, AXP, COF: Equity-to-Asset Comparison
For the Credit Services subindustry, Mastercard's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mastercard's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Mastercard's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Mastercard's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.13 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Mastercard and its competitors. This is 32% below median its historical median of 0.19. Over the past decade, Mastercard's Equity-to-Asset has ranged from 0.13 to 0.36. According to the industry distribution chart, Mastercard ranks #460 out of 546 companies in the Credit Services industry, placing it in the top 84.2%.
Is Mastercard's Equity-to-Asset too high?
Mastercard's current Equity-to-Asset of 0.13 is 32% below median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 0.36. The Credit Services industry median Equity-to-Asset is 0.41. Mastercard's value of 0.13 is 67.9% below this industry median. Based on the distribution chart, Mastercard ranks #460 out of 546 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Mastercard has a GF Score™ of 94/100, reflecting its overall financial health beyond just this single metric.
How does Mastercard's Equity-to-Asset compare to V and AXP?
According to the Credit Services industry distribution chart, Mastercard ranks #460 out of 546 companies for Equity-to-Asset. This places Mastercard in the lower half of its industry. The industry median Equity-to-Asset is 0.41. Mastercard's value of 0.13 is 67.9% below this benchmark. Historically, Mastercard's own Equity-to-Asset has ranged from 0.13 to 0.36 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.41, Mastercard has consistently been below 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.41, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mastercard's current Equity-to-Asset of 0.13 is 67.9% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Mastercard and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mastercard's current Equity-to-Asset is 0.13, which is 32% below median its own 10-year median of 0.19. 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 Equity-to-Asset of 0.13. The stock's GF Value™ is CHF534.60, compared to a current price of CHF439.70 — trading 17.8% below its estimated fair value. The current Equity-to-Asset is 0.13, which is 32% below median its 10-year median of 0.19 and 67.9% below the Credit Services industry median of 0.41. Mastercard's overall GF Score™ is 94/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Mastercard (XSWX:MA), the current Equity-to-Asset is 0.13 as of Mar. 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 CHF439.70 is trading 17.8% below its estimated GF Value™ of CHF534.60.
Key valuation signals for XSWX:MA:
Equity-to-Asset: 0.13 (32% below median its 10-year median of 0.19)
GF Value™: CHF534.60 vs. price of CHF439.70 (17.8% below fair value)
Industry Position: 67.9% below the Credit Services median (#460 of 546)
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.
94GF Score
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