MA
Financial ServicesMastercard Incorporated · Financial - Credit Services · $440B
MA — Key Takeaways
✅ Strengths
MA — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Apr 8, 2026 | 72.2 | 87.0 | 83.0 | 70.7 | 35.0 | 68.6 | 0.0 |
| Apr 7, 2026 | 72.2 | 86.9 | 83.0 | 70.7 | 35.0 | 68.6 | 0.0 |
| Apr 6, 2026 | 72.2 | 87.1 | 83.0 | 70.7 | 35.0 | 68.6 | 0.0 |
| Apr 5, 2026 | 72.2 | 87.1 | 83.0 | 70.7 | 35.0 | 68.6 | 0.0 |
| Apr 4, 2026 | 72.2 | 87.1 | 83.0 | 70.7 | 35.0 | 68.7 | 0.0 |
| Apr 3, 2026 | 72.2 | 87.1 | 83.0 | 70.7 | 35.0 | 68.7 | 0.0 |
| Apr 2, 2026 | 72.2 | 87.2 | 83.0 | 70.7 | 35.0 | 68.8 | — |
MA — Pillar Breakdown
Quality
— 87.0/100 (25%)Mastercard Incorporated demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 70.7/100 (20%)Mastercard Incorporated demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 35.0/100 (15%)Mastercard Incorporated has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 68.6/100 (15%)Mastercard Incorporated trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Moat
— 83/100 (30%)Mastercard Incorporated benefits from powerful competitive advantages creating significant barriers to entry. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for MA.
Score Composition
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How is the MA UQS Score Calculated?
The UQS (Unified Quality Score) for Mastercard Incorporated is calculated using a proprietary 5-pillar framework with 25 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Mastercard Incorporated's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Mastercard Incorporated is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.