MastercardLIM:MA 96 3-Year ROIIC % is 41.91 as of Dec. 2025, which is 1% below its 10-year median of 42.33. GuruFocus rates LIM:MA with a GF Score™ of 96/100 and a GF Value™ of $653.31 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 393 Credit Services companies, Mastercard ranks better than 90.84% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Mastercard's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 41.91%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Mastercard's 3-Year ROIIC % or its related term are showing as below:
LIM:MA's 3-Year ROIIC % is ranked better than 90.84% of 393
companies
in the Credit Services industry
Industry Median: 2.76
vs LIM:MA: 41.91
Mastercard (LIM:MA) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Mastercard 3-Year ROIIC % Related Terms
Mastercard 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Mastercard's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mastercard's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Mastercard's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Mastercard (LIM:MA) has a 3-Year ROIIC % of 41.91 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Mastercard and its competitors. This is near median its historical median of 42.33. Over the past decade, Mastercard's 3-Year ROIIC % has ranged from 11.95 to 65.13. According to the industry distribution chart, Mastercard ranks #36 out of 393 companies in the Credit Services industry, placing it in the top 9.2%.
Is Mastercard's 3-Year ROIIC % too high?
Mastercard's current 3-Year ROIIC % of 41.91 is near median its 10-year median of 42.33. Over the past 10 years, this metric has ranged from a low of 11.95 to a high of 65.13. The Credit Services industry median 3-Year ROIIC % is 2.76. Mastercard's value of 41.91 is 1418.5% above this industry median. Based on the distribution chart, Mastercard ranks #36 out of 393 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 96/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Mastercard's 3-Year ROIIC % compare to V and AXP?
According to the Credit Services industry distribution chart, Mastercard ranks #36 out of 393 companies for 3-Year ROIIC %. This places Mastercard in the top 9% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.76. Mastercard's value of 41.91 is 1418.5% above this benchmark. Historically, Mastercard's own 3-Year ROIIC % has ranged from 11.95 to 65.13 over the past decade. While the company's 10-year median is 42.33 vs. the industry median of 2.76, 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.76, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mastercard's current 3-Year ROIIC % of 41.91 is 1418.5% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Mastercard and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mastercard's current 3-Year ROIIC % is 41.91, which is near median its own 10-year median of 42.33. 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 $653.31, compared to a current price of $533.81 — trading 18.3% below its estimated fair value. The current 3-Year ROIIC % is 41.91, which is near median its 10-year median of 42.33 and 1418.5% above the Credit Services industry median of 2.76. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Mastercard (LIM:MA), the current 3-Year ROIIC % is 41.91 as of Dec. 2025. 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 $533.81 is trading 18.3% below its estimated GF Value™ of $653.31.
GuruFocus considers Mastercard to be Modestly Undervalued.
Key valuation signals for LIM:MA:
3-Year ROIIC %: 41.91 (near median its 10-year median of 42.33)
GF Value™: $653.31 vs. price of $533.81 (18.3% below fair value)
Industry Position: 1418.5% above the Credit Services median (#36 of 393)
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.
96GF Score
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