Alpha Score of 71 reflects strong overall profile with moderate momentum, moderate value, strong quality, strong sentiment.
Mastercard closed near the top of its 52-week range at $601.77, with the stock up roughly 29% from the February low. The P/E of 30.85 is elevated relative to the broader market, but the quality sub-score of 70.4 and sentiment reading of 89.8 suggest investors are pricing in continued margin expansion. Net margin hit 45.9%, up from 42% a year ago, as the company scaled its processing network without proportional cost growth. Revenue rose 16.8% year over year, while EPS climbed 21.2%, reflecting both operating leverage and share buybacks. The value sub-score of 68.2 is middling, but the momentum score of 60 has room to improve if volume picks up. On the crypto front, Moonpay's addition of Discover to its card network closes a gap for Mastercard and Visa users, though the revenue impact is small near term. Watch next week for any commentary on cross-border volumes, which have been a key driver of the top line.
Mastercard trades near the top of its 52-week range, with shares at $601.77, up from a low of $464.52. The stock commands a P/E of 30.85, supported by 16.8% revenue growth and 21.2% EPS growth year-over-year. Net margin sits at 45.9%, reflecting the company's high-margin payments network model. The Alpha Score of 69.5 is driven by a quality score of 70.4 and a sentiment score of 73.7, while momentum and value lag slightly at 66.9 and 68.2. The quality score suggests the earnings growth is backed by strong fundamentals. Forward watch: with consumer spending data due next week, any slowdown in transaction volumes could test the stock's premium valuation.
Mastercard sits near the top of its 52-week range at $601.77, backed by 16.8% revenue growth and a 45.9% net margin. Earnings per share rose 21.2% year over year, and the Alpha Score of 68.5 reflects solid momentum (70.1) and quality (70.4). The P/E of 30.85 is elevated but aligns with the premium the market assigns to predictable compounders. Terry Smith added to his position in the quarter, trimming Nike and Unilever instead. The longer-term risk comes from agentic AI: if AI agents bypass card rails, the payment model that generates those margins faces a structural challenge. That threat is distant, not immediate. What to watch in the next quarter is whether cross-border volumes and consumer spending data hold up through the summer.
Mastercard shares traded flat Monday, holding near their 52-week high. The stock carries a 57.2 Alpha Score, with sentiment at 93.8 and momentum at 64.7. The company's crypto-linked card volume reached $2.5 billion in Q1 fiscal 2025, Visa reported similar growth. Both networks are building infrastructure for stablecoin settlement. A Trump immigration order could push more underbanked users toward stablecoins, potentially expanding the addressable market for crypto cards. BitPay secured a Dutch MiCA license on July 16, allowing regulated EU stablecoin services. The regulatory clarity may accelerate merchant adoption. Mastercard's existing partnerships with crypto firms position it to capture volume growth. Watch for Q2 earnings next month, where crypto card revenue and transaction growth will be key metrics.
Mastercard's payment rails are getting a second look from online casinos as stablecoin volumes hit $10.2 trillion over 12 months, according to Visa data cited in recent coverage. The company's own financials remain strong: revenue grew 16.8% last quarter, EPS jumped 21.2%, and net margins held at 45.9%. The Alpha Score sits at 67.5, driven by sentiment at 79.7 and quality at 70.4. Value scores a 68.4, reasonable for a name trading at 30.6 times earnings with that margin profile. What to watch next: how the European crypto payments push — with Flexa expanding into 37 SEPA countries and Ripple winning MiCA passporting — affects Mastercard's cross-border volume. The stock sits near the top of its 52-week range, flagging that multiple expansion has already priced in much of the growth narrative.
Mastercard Incorporated filed its 10-K for the fiscal year ended December 31, 2025. The filing provides a comprehensive overview of the company's financial standing, including its capital structure, debt obligations, and operational segments. Mastercard continues to organize its business around two primary reporting segments: Payment Network and Value-Added Services and Solutions. The company maintains a global footprint, with financial results categorized by geographic regions including the Americas and International Markets. The filing details a complex array of senior notes and debt instruments, with various maturity dates ranging from 2026 through 2051. Notable debt activity includes the issuance of senior notes in 2023, 2024, and 2025, alongside specific term loan facilities denominated in Indian Rupees. The company utilizes various derivative instruments, including foreign exchange and interest rate contracts, to manage financial risks associated with its global operations. Balance sheet disclosures highlight the company's investment in property, plant, and equipment, as well as intangible assets such as developed technology and customer relationships, which were bolstered by acquisitions made during the 2024 fiscal year. The company also maintains defined benefit pension plans and other post-retirement benefit plans. The report confirms the company's ongoing commitment to its dual-class common stock structure, consisting of Class A and Class B shares, and provides detailed reconciliations of equity movements over the three-year period ending December 31, 2025. No specific management outlook quotes or EPS figures were provided in the initial filing excerpt.
On February 2, 2026, the Human Resources and Compensation Committee of the Mastercard Incorporated Board of Directors approved adjustments to the base salary and target annual incentive bonus opportunities for two key executive officers. These changes are scheduled to take effect on March 1, 2026. Sachin Mehra, serving as Chief Financial Officer, will see his base salary increase from $825,000 to $875,000. Additionally, his target annual incentive bonus opportunity will increase from 150% to 175% of his new base salary. Craig Vosburg, serving as Chief Services Officer, will receive a base salary increase from $800,000 to $825,000. His target annual incentive bonus opportunity will increase from 135% to 150% of his new base salary. The filing confirms these adjustments were made through the company's standard compensation review process for named executive officers.
On January 29, 2026, Mastercard Incorporated filed an 8-K report to announce the release of its financial results for the fourth quarter and full year ending December 31, 2025. The filing serves as a formal notification that the company has provided its earnings release to the public. The specific financial data, including revenue, earnings per share, and management commentary, are contained within Exhibit 99.1, which was furnished as part of the report. The company confirmed that the information provided in the earnings release is furnished for informational purposes and is not considered filed under the Securities Exchange Act of 1934. No other material events, executive changes, or operational shifts were disclosed in the body of the 8-K filing.
On November 7, 2025, Mastercard Incorporated entered into a new five-year, $8 billion unsecured revolving credit facility. This agreement amends and restates the company's previous $8 billion facility, which was scheduled to expire in November 2029. The new facility is set to expire on November 7, 2030. The credit facility allows Mastercard to borrow in both U.S. dollars and Euros for general corporate purposes. Interest rates on borrowings will be determined based on the Secured Overnight Financing Rate (SOFR), the Euro Short Term Rate (€STR), or an alternative base rate, plus margins that fluctuate according to the company's long-term issuer credit rating. The agreement includes provisions for subsidiary borrowing, subject to an unconditional guarantee by Mastercard. It also contains standard restrictive covenants, including limitations on the creation of liens and fundamental corporate changes such as mergers or liquidations. Mastercard retains the option to prepay loans or reduce commitments at any time without penalty, provided minimum threshold amounts are met. The syndicate of lenders includes several major financial institutions that have previously provided commercial and investment banking services to the company.
Mastercard Incorporated announced on November 10, 2025, that it has entered into an updated Class Settlement Agreement with Visa and court-appointed counsel for an injunctive rules relief class of merchants. The agreement aims to resolve pending U.S. merchant litigation concerning network rules and interchange structures. Mastercard does not admit to any improper conduct as part of this settlement. The agreement introduces several operational changes for merchants, including increased flexibility in accepting consumer and commercial credit cards. Merchants will gain the ability to make independent decisions regarding the acceptance of specific credit card types, though they cannot discriminate between cards of the same level issued by different financial institutions. Additionally, the agreement establishes a simplified approach to credit card transaction surcharging and discounting. Financially, the agreement mandates a 10 basis point reduction in the average systemwide effective interchange rate on U.S.-issued consumer and commercial credit transactions. This reduction will function as a cap for a five-year period. The settlement is subject to final approval by the Eastern District Court of New York. If approved, the agreement will resolve all pending U.S. merchant litigations seeking changes to Mastercard's interchange structure and merchant acceptance rules. The company expects the rule changes to take effect following court approval, likely in late 2026 or early 2027.
| Fund | Shares Held | Position Value | Action (latest Q) |
|---|---|---|---|
| Berkshire Hathaway Warren Buffett | 3.99M | $2.28B | NEW |
| Citadel Ken Griffin | 1.29M | $735.18M | NEW |
| D.E. Shaw David Shaw | 321K | $183.49M | NEW |
| Lone Pine Capital Steve Mandel | 96K | $55.00M | NEW |
| Point72 Steve Cohen | 76K | $43.16M | NEW |
| Blackstone | 11K | $6.25M | NEW |
| Renaissance Technologies Jim Simons (founder) | 6K | $3.29M | NEW |
| Marshall Wace | 6K | $3.28M | NEW |
| Politician | Date | Type | Amount |
|---|---|---|---|
| Gilbert Cisneros D-CA | 2025-11-18 | purchase | $1k – $15k |
| Lisa McClain R-MI | 2025-06-17 | purchase | $1k – $15k |
| Jefferson Shreve R-IN | 2025-05-12 | sale | $50k – $100k |
| Bruce Westerman R-AR | 2025-04-21 | sale | $1k – $15k |
| Bruce Westerman R-AR | 2025-03-03 | purchase | $1k – $15k |
| Josh Gottheimer D-NJ | 2025-01-31 | purchase | $1k – $15k |
| Rob Bresnahan PA | 2025-01-13 | sale | $1k – $15k |
| Josh Gottheimer D-NJ | 2024-07-31 | purchase | $1k – $15k |
Mastercard Incorporated is a leading global payments technology company that operates one of the world's largest electronic payment networks. It enables secure and seamless transactions for credit, debit, prepaid, and contactless payments, processing volume across more than 200 countries and over 150 currencies. The company generates revenue primarily through transaction fees charged to merchants and financial institutions, supplemented by value-added services including fraud prevention solutions like Threat Intelligence, data analytics, loyalty programs, and cyber threat collaboration tools. Mastercard Incorporated supports financial institutions, merchants, governments, and consumers with innovative offerings such as mobile, web-based, and blockchain-integrated payment applications, including partnerships for crypto wallet linkages like the MetaMask Card. Its asset-light model facilitates trillions in annual payment volume, advancing digital commerce, fintech innovations, and real-time electronic payments. Founded in 1966 and headquartered in Purchase, New York, Mastercard Incorporated plays a pivotal role in the global financial services sector, particularly in credit services and payment processing.
Earnings calendar coming soon. Subscribe to get notified when MA reports next.
Get earnings alerts →