MastercardWBO:MAST +0.52%90 OCF Margin % is 35.71% as of Mar. 2026, which is 26% below its 10-year median of 48.10. GuruFocus rates WBO:MAST with a GF Score™ of 90/100 and a GF Value™ of €574.28 (Modestly Undervalued). Among 531 Credit Services companies, Mastercard ranks better than 78.53% on this metric.
The historical rank and industry rank for Mastercard's OCF Margin % or its related term are showing as below:
WBO:MAST'
s OCF Margin % Range Over the Past 10 Years
Min: 41.63 Med: 48.1 Max: 53.82
Current: 53.77
During the past 13 years, the highest OCF Margin % of Mastercard was 53.82%. The lowest was 41.63%. And the median was 48.10%.
WBO:MAST's OCF Margin % is ranked better than 78.53% of 531
companies
in the Credit Services industry
Industry Median: 2.61
vs WBO:MAST: 53.77
Mastercard OCF Margin % Related Terms
Mastercard OCF Margin % Historical Data
* Premium members only.
The historical data trend for Mastercard's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mastercard's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Mastercard's OCF 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 (WBO:MAST) has a OCF Margin % of 35.71% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Mastercard and its competitors. This is 26% below median its historical median of 48.10. Over the past decade, Mastercard's OCF Margin % has ranged from 41.63 to 53.82. 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 OCF Margin % too high?
Mastercard's current OCF Margin % of 35.71% is 26% below median its 10-year median of 48.10. Over the past 10 years, this metric has ranged from a low of 41.63 to a high of 53.82. The Credit Services industry median OCF Margin % is 2.61. Mastercard's value of 35.71% is 1268.2% 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 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Mastercard's OCF Margin % compare to V and AXP?
According to the Credit Services industry distribution chart, Mastercard ranks #114 out of 531 companies for OCF Margin %. This places Mastercard in the top 22% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.61. Mastercard's value of 35.71% is 1268.2% above this benchmark. Historically, Mastercard's own OCF Margin % has ranged from 41.63 to 53.82 over the past decade. While the company's 10-year median is 48.10 vs. the industry median of 2.61, 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.61, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mastercard's current OCF Margin % of 35.71% is 1268.2% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Mastercard and its competitors. For the Credit Services industry, the median OCF Margin % is 2.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mastercard's current OCF Margin % is 35.71%, which is 26% below median its own 10-year median of 48.10. 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 (WBO:MAST) is currently considered Modestly Undervalued. The stock's GF Value™ is €574.28, compared to a current price of €427.80 — trading 25.5% below its estimated fair value. The current OCF Margin % is 35.71%, which is 26% below median its 10-year median of 48.10 and 1268.2% above the Credit Services industry median of 2.61. Mastercard's overall GF Score™ is 90/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Mastercard (WBO:MAST), the current OCF Margin % is 35.71% 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 (WBO:MAST) Overvalued in 2026?
Based on GuruFocus' analysis, Mastercard stock appears to be undervalued.
The current stock price of €427.80 is trading 25.5% below its estimated GF Value™ of €574.28.
GuruFocus considers Mastercard to be Modestly Undervalued.
Key valuation signals for WBO:MAST:
OCF Margin %: 35.71% (26% below median its 10-year median of 48.10)
GF Value™: €574.28 vs. price of €427.80 (25.5% below fair value)
Industry Position: 1268.2% above the Credit Services median (#114 of 531)
No single metric tells the full story. See the WBO:MAST 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.
90GF Score
Get the complete analysis for WBO:MAST
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WBO:MAST has been successfully added to your 
