Mastercard (LIM:MA) Moat Score: 9/10 (As of Jun. 29, 2026)


LIM:MA Mastercard Inc LIM:MA
91 GF Score
Price $487.54
GF Value $640.58
Valuation Modestly Undervalued
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What is Mastercard Moat Score?

Mastercard LIM:MA 91 Moat Score is 9 as of Jun. 29, 2026. GuruFocus rates LIM:MA with a GF Score™ of 91/100 and a GF Value™ of $640.58 (Modestly Undervalued). Among 566 Credit Services companies, Mastercard ranks better than 99.82% on this metric.

Mastercard has the Moat Score of 9, which implies that the company might have Wide Moat - Clear and robust wide moat.

Mastercard has Wide Moat: Mastercard has a robust wide moat due to its strong network effects, significant customer switching costs, and powerful brand. Its global payment network and regulatory barriers further solidify its dominant market position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Mastercard might have Wide Moat - Clear and robust wide moat.

Mastercard  (LIM:MA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Mastercard Moat Score Related Terms

LIM:MA vs V, AXP, COF: Moat Score Comparison

For the Credit Services subindustry, Mastercard's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Mastercard's Moat Score distribution charts can be found below:

* The bar in red indicates where Mastercard's Moat Score falls into.


LIM:MA
91GF Score
Mastercard Inc LIM:MA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 9 mean?
Mastercard (LIM:MA) has a Moat Score of 9 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Mastercard ranks #1 out of 566 companies in the Credit Services industry, placing it in the top 0.2%.
Is Mastercard's Moat Score too high?
Mastercard's current Moat Score is 9. Based on the distribution chart, Mastercard ranks #1 out of 566 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 Moat Score compare to V and AXP?
According to the Credit Services industry distribution chart, Mastercard ranks #1 out of 566 companies for Moat Score. This places Mastercard in the top 0% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Mastercard's current Moat Score is 9. 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 $640.58, compared to a current price of $487.54 — trading 23.9% below its estimated fair value. The current Moat Score is 9. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Mastercard (LIM:MA), the current Moat Score is 9 as of Jun. 29, 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 23.9% below its estimated GF Value™ of $640.58. GuruFocus considers Mastercard to be Modestly Undervalued.

Key valuation signals for LIM:MA:

  • Moat Score: 9
  • GF Value™: $640.58 vs. price of $487.54 (23.9% below fair value)
  • GF Score™: 91/100

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 Business Description

Address 2000 Purchase Street, Purchase, NY, USA, 10577
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$487.54
Price
$640.58
GF Value