MastercardCHIX:M4ID 96 EV-to-FCF is 29.20 as of Jul. 05, 2026, which is 22% below its 10-year median of 37.24. GuruFocus rates CHIX:M4ID with a GF Score™ of 96/100 and a GF Value™ of €515.44 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 263 Credit Services companies, Mastercard ranks worse than 66.54% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Mastercard's Enterprise Value is €427,942 Mil.
Mastercard's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €14,657 Mil. Therefore, Mastercard's EV-to-FCF for today is 29.20.
The historical rank and industry rank for Mastercard's EV-to-FCF or its related term are showing as below:
CHIX:M4Id'
s EV-to-FCF Range Over the Past 10 Years
Min: 22.98 Med: 37.24 Max: 63.47
Current: 28.54
During the past 13 years, the highest EV-to-FCF of Mastercard was 63.47. The lowest was 22.98. And the median was 37.24.
CHIX:M4Id's EV-to-FCF is ranked worse than 66.54% of 263
companies
in the Credit Services industry
Industry Median: 13.6
vs CHIX:M4Id: 28.54
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 €422.80.
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 €14.850.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Mastercard EV-to-FCF Related Terms
Mastercard EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Mastercard's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mastercard's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Mastercard's EV-to-FCF falls into.
Mastercard's current Enterprise Value is €427,942 Mil.
Mastercard's Free Cash Flow 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 €14,657 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 (CHIX:M4ID) has a EV-to-FCF of 29.20 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Mastercard and its competitors. This is 22% below median its historical median of 37.24. Over the past decade, Mastercard's EV-to-FCF has ranged from 22.98 to 63.47. According to the industry distribution chart, Mastercard ranks #175 out of 263 companies in the Credit Services industry, placing it in the top 66.5%.
Is Mastercard's EV-to-FCF too high?
Mastercard's current EV-to-FCF of 29.20 is 22% below median its 10-year median of 37.24. Over the past 10 years, this metric has ranged from a low of 22.98 to a high of 63.47. The Credit Services industry median EV-to-FCF is 13.60. Mastercard's value of 29.20 is 114.7% above this industry median. Based on the distribution chart, Mastercard ranks #175 out of 263 companies in the Credit Services industry, which is below the industry midpoint. Overall, Mastercard has a GF Score™ of 96/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Mastercard's EV-to-FCF compare to V and AXP?
According to the Credit Services industry distribution chart, Mastercard ranks #175 out of 263 companies for EV-to-FCF. This places Mastercard in the lower half of its industry. The industry median EV-to-FCF is 13.60. Mastercard's value of 29.20 is 114.7% above this benchmark. Historically, Mastercard's own EV-to-FCF has ranged from 22.98 to 63.47 over the past decade. While the company's 10-year median is 37.24 vs. the industry median of 13.60, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.60, based on 263 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mastercard's current EV-to-FCF of 29.20 is 114.7% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Mastercard and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mastercard's current EV-to-FCF is 29.20, which is 22% below median its own 10-year median of 37.24. 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?
Based on GuruFocus' analysis, Mastercard (CHIX:M4ID) is currently considered Modestly Undervalued. The stock's GF Value™ is €515.44, compared to a current price of €422.80 — trading 18% below its estimated fair value. The current EV-to-FCF is 29.20, which is 22% below median its 10-year median of 37.24 and 114.7% above the Credit Services industry median of 13.60. Mastercard's overall GF Score™ is 96/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Mastercard (CHIX:M4ID), the current EV-to-FCF is 29.20 as of Jul. 05, 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 (CHIX:M4ID) Overvalued in 2026?
Based on GuruFocus' analysis, Mastercard stock appears to be undervalued.
The current stock price of €422.80 is trading 18% below its estimated GF Value™ of €515.44.
GuruFocus considers Mastercard to be Modestly Undervalued.
Key valuation signals for CHIX:M4ID:
EV-to-FCF: 29.20 (22% below median its 10-year median of 37.24)
GF Value™: €515.44 vs. price of €422.80 (18% below fair value)
Industry Position: 114.7% above the Credit Services median (#175 of 263)
No single metric tells the full story. See the CHIX:M4ID 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.
96GF Score
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