Mastercard (MA)
Financials · Payment networks and processors
Global payment processor operating one of the world's largest credit and debit card networks, generating revenues from transaction fees, service revenues, and data analytics services.
What Mastercard does
Mastercard is a global payment technology company that operates one of the world's largest payment networks, enabling transactions between cardholders, merchants, banks, and other financial institutions. The company generates revenue primarily through service fees, data analytics services, and transaction-based fees on its card network. Mastercard operates globally across multiple jurisdictions and serves millions of merchants, financial institutions, and cardholders, with exposure to commercial, consumer, and government payment channels.
Themes: ["Payment networks","Digital payments","Cross-border commerce","Financial technology","Data and analytics","Cybersecurity and fraud prevention"]
Fundamentals
- Price$523.20 as of 2026-07-09 close
- Market cap$459.6B as of 2026-07-10
- 1-year return-7.4% as of 2026-07-09 close
- P/E29.52 as of 2026-07-10
- Net margin+45.9% as of 2026-07-10
- ROE+206.1% as of 2026-07-10
- Debt / equity2.82 as of 2026-07-10
- Revenue growth (YoY)+16.8% as of 2026-07-10
- Revenue CAGR (3y)+13.8% SEC XBRL
- Beta0.75 as of 2026-07-10
Dividend: yield +0.7%; 4-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Government mandates and regulation: multiple jurisdictions are implementing data localization requirements, mandating switching of domestic payments to domestic providers, and strengthening data protection and privacy regulations, which could fragment the global payments landscape and restrict Mastercard's network reach.","Regulatory and compliance burden: increasing complexity and divergence of AML, CFT, sanctions, anti-corruption, and cybersecurity regulations across jurisdictions, as well as AI and information security laws, create operational and financial compliance risks.","Competitive and disintermediation pressure: third-party payment processors gaining direct access to consumer payment accounts and payment initiation services under regulations like the EU Payment Services Directive enable transaction routing away from Mastercard's network."]
Competitors & peers
- Visa (V)
- American Express (AXP)
- Discover Financial Services (DFS)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.