Mastercard Inc (MA) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Mastercard Inc stock $360, price $656, that is 45.1% below the price, quality 85 out of 100. Rating: strongly overvalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
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Mastercard Inc
MA · USOur calculation puts a fair price 45% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $277.07 – $672.68 · fair‑value band $168.78 – $563.96 · the $655.92 price screens above the $360.13 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 5, 2026.
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Company profile
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally.
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The company offers products and services for account holders, merchants, financial institutions, digital partners, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid programs services; consumer bill payment services; and commercial credit, debit, and prepaid payment products and solutions.
It also provides solutions that enable businesses or governments to make payments to businesses, including Virtual Card Number, which is generated dynamically from an existing account and leverages the credit limit of the funding account; and a platform to optimize supplier payment enablement campaigns for financial institutions.
In addition, the company offers Mastercard Move, which partners with digital messaging and payment platforms to enable consumers to send money directly within applications to other consumers; and partners with central banks, fintechs, and financial institutions, as well as enables various cross-border payment flows.
Further, it provides security solutions; marketing, personalization, and issuer and merchant loyalty services; business and operational intelligence, advanced analytics and AI, consulting and agentic solutions, and payments and portfolio optimization; digital and authentication; processing and gateway solutions; and other solutions.
The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus names. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.
Stock analysis
Mastercard Inc (MA) currently trades at $655.92, while our model-based Fair Value estimate is $360.13, 45% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $360.13 per share, and 0 of the 11 models we run sit above the $655.92 price.
Bear case: the Economic Profit group reads lowest at $51.06, and 11 of the 11 models stay below the price. Data coverage for this calculation is high.
Scenario range: $168.78 (bear) to $563.96 (bull), the price of $655.92 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 85/100 (high quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Mastercard Inc reported revenue of $32.8B in FY2025 versus $18.9B in FY2021, a compound +14.8%/yr. Reported net income was $15.0B in FY2025, compounding +14.6%/yr from FY2021.
Key figures
Market cap $579B Mega · P/E ratio 34.1 · P/S ratio 16.0 · EPS (TTM) $19.11 · Dividend yield 0.5% · Net margin 46.7% · Return on equity 231% · Return on assets (EBIT) 31.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 98 out of 100 (medium confidence).
What moves the price
The share trades about 2% below its 52-week high and 39% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −45%, MA screens richer than that median.
Fair Value models
All 11 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 8 officers or directors sold shares worth $70.8M and none bought.
- SaleHai LingChief Financial Officer3× since Feb 23, 2026: 21,923 shares, avg. $579.12$12.7MNov 2, 202610b5-1 plan
- SaleJulius GenachowskiDirector741 shares at $587.61$435,418Oct 12, 202610b5-1 plan
- SaleJ. Mehra SachinChief Business Officer3× since Aug 5, 2026: 14,710 shares, avg. $577.24$8.5MSep 2, 202610b5-1 plan
- SaleLinda Pistecchia KirkpatrickChief Services Officer3× since Aug 4, 2026: 6,394 shares, avg. $572.72$3.7MAug 31, 202610b5-1 plan
- SaleMichael MiebachPresident & CEO, Director2× since Jul 31, 2026: 48,628 shares, avg. $574.21$27.9MAug 5, 202610b5-1 plan
- SaleSandra A ArkellController2× since Jul 6, 2026: 744 shares, avg. $540.00$401,760Jul 15, 202610b5-1 plan
- SaleEdward Grunde McLaughlinPresident & CTO, MA Tech2× since Jul 1, 2026: 34,060 shares, avg. $530.82$18.1MJul 15, 202610b5-1 plan
- SaleRaj SeshadriChief Commercial Pmts Officer6,805 shares at $526.37$3.6MJul 2, 202610b5-1 plan
Plus 27 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
MA screens overvalued: fair value 45% below the price. Compare with Visa Inc →
Recent news
- Mastercard Incorporated (MA) Is Riding the Global Shift Toward Digital Payments: Here’s Why It Matters
- Mastercard Expands Mobile Payment Choice in Morocco With Samsung Pay
Compare Mastercard Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 285 stocks
Valuation Multiplesvs Credit Services median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- PEG ratio by industry
- Revenue growth by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Synchrony Financial, SYF | $74.07 | $141.92 | +92% | vs MA |
| PayPal Holdings PYPL | $58.96 | $107.45 | +82% | vs MA |
| Shriram Finance Limited SHRIRAMFIN | ₹961.15 | ₹1,309 | +36% | vs MA |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,785 | ₹1,996 | +12% | vs MA |
| Affirm Holdings AFRM | $69.66 | $76.63 | +10% | vs MA |
| Bajaj Finance Limited BAJFINANCE | ₹1,088 | ₹1,055 | −3% | vs MA |
| American Express Company AXP | $324.97 | $210.02 | −35% | vs MA |
| Visa Inc V | $422.59 | $242.87 | −43% | vs MA |
| Capital One Financial Corporation COF | $203.84 | $106.81 | −48% | vs MA |
| SoFi Technologies, Inc SOFI | $16.04 | $5.51 | −66% | vs MA |
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Key figures of Mastercard Inc
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