MastercardLIM:MA 91 FCF Margin % is 31.72% as of Mar. 2026, which is 28% below its 10-year median of 43.78. GuruFocus rates LIM:MA with a GF Score™ of 91/100 and a GF Value™ of $654.48 (Modestly Undervalued). Among 531 Credit Services companies, Mastercard ranks better than 78.53% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Mastercard's Free Cash Flow for the
three
months ended in Mar. 2026 was $2,664 Mil. Mastercard's Revenue for the
three
months ended in Mar. 2026 was $8,398 Mil. Therefore, Mastercard's FCF Margin % for the quarter that ended in Mar. 2026 was 31.72%.
The historical rank and industry rank for Mastercard's FCF Margin % or its related term are showing as below:
LIM:MA'
s FCF Margin % Range Over the Past 10 Years
Min: 38.25 Med: 43.78 Max: 50.31
Current: 50.31
During the past 13 years, the highest FCF Margin % of Mastercard was 50.31%. The lowest was 38.25%. And the median was 43.78%.
LIM:MA's FCF Margin % is ranked better than 78.53% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs LIM:MA: 50.31
Mastercard FCF Margin % Related Terms
Mastercard FCF Margin % Historical Data
* Premium members only.
The historical data trend for Mastercard's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mastercard's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Mastercard's FCF Margin % falls into.
* 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 (LIM:MA) has a FCF Margin % of 31.72% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Mastercard and its competitors. This is 28% below median its historical median of 43.78. Over the past decade, Mastercard's FCF Margin % has ranged from 38.25 to 50.31. According to the industry distribution chart, Mastercard ranks #114 out of 531 companies in the Credit Services industry, placing it in the top 21.5%.
Is Mastercard's FCF Margin % too high?
Mastercard's current FCF Margin % of 31.72% is 28% below median its 10-year median of 43.78. Over the past 10 years, this metric has ranged from a low of 38.25 to a high of 50.31. The Credit Services industry median FCF Margin % is 0.24. Mastercard's value of 31.72% is 13116.7% above this industry median. Based on the distribution chart, Mastercard ranks #114 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Mastercard has a GF Score™ of 91/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Mastercard's FCF Margin % compare to V and AXP?
According to the Credit Services industry distribution chart, Mastercard ranks #114 out of 531 companies for FCF Margin %. This places Mastercard in the top 22% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. Mastercard's value of 31.72% is 13116.7% above this benchmark. Historically, Mastercard's own FCF Margin % has ranged from 38.25 to 50.31 over the past decade. While the company's 10-year median is 43.78 vs. the industry median of 0.24, 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mastercard's current FCF Margin % of 31.72% is 13116.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Mastercard and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mastercard's current FCF Margin % is 31.72%, which is 28% below median its own 10-year median of 43.78. 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 (LIM:MA) is currently considered Modestly Undervalued. The stock's GF Value™ is $654.48, compared to a current price of $487.54 — trading 25.5% below its estimated fair value. The current FCF Margin % is 31.72%, which is 28% below median its 10-year median of 43.78 and 13116.7% above the Credit Services industry median of 0.24. Mastercard's overall GF Score™ is 91/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Mastercard (LIM:MA), the current FCF Margin % is 31.72% 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 (LIM:MA) Overvalued in 2026?
Based on GuruFocus' analysis, Mastercard stock appears to be undervalued.
The current stock price of $487.54 is trading 25.5% below its estimated GF Value™ of $654.48.
GuruFocus considers Mastercard to be Modestly Undervalued.
Key valuation signals for LIM:MA:
FCF Margin %: 31.72% (28% below median its 10-year median of 43.78)
GF Value™: $654.48 vs. price of $487.54 (25.5% below fair value)
Industry Position: 13116.7% above the Credit Services median (#114 of 531)
No single metric tells the full story. See the LIM: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.
91GF Score
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