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MA

Mastercard Incorporated

NYQ · Financial Services

$595.62

-$4.25 (-0.71%)down -0.71%

25 August 2026 · delayed 15+ min

C-

Quality score71.4 / 100

Cut-offs are the grader's own: 97+ for an A+, below 60 is an F.

Mastercard Incorporated earns a C- on excellent profit margins (>20%) and strong ROE (>20%) but high debt-to-equity ratio (>2.0) and low Sharpe ratio (0.49). Reasonable investment with moderate upside potential.

Model stance HOLD Suggested position 6.0% · $600.00 IQInvest estimate
Adjusted for Moderate investors, Medium-term investors 6.0% suggested allocation Change these

These change the suggested position size and the stance, not the category scores. Amount is in dollars.

IQ-MA-20260825engine v1 · 7-category weighted scorecard

What it is worth, depending who you ask.

Today’s price against the year it has had and the targets analysts publish. Every marker is a reported figure, not a projection of ours.

52-week low

$464.52

Lowest analyst target

$550.00

Today's price

$595.62

52-week high

$601.62

Mean analyst target

$667.30

Highest analyst target

$735.00

MA trades 96% of the way up its 52-week range, between $464.52 and $601.62. The mean analyst target of $667.30 is 12.0% above today's price.

Today’s price 52-week range Analyst price targets

Scored categories

Financial healthExcellent profit margins (>20%); Strong ROE (>20%); High debt-to-equity ratio (>2.0) 100.023%

Profit margin

46.34%

Net profit per unit of revenue

exceptionalWhat this means

Of every 100 units of revenue, this much survives as profit.

Margins this wide usually mean real pricing power or a moat.

Operating margin

61.11%

Before interest and tax

very highWhat this means

Profit from operations, before interest and tax, per 100 of revenue.

Typical of software and other businesses with little cost per extra sale.

Gross margin

100.00%

After the cost of goods only

highWhat this means

What is left of revenue after only the direct cost of the product.

Little marginal cost per sale, which is what lets software and pharma fund heavy R&D.

Return on equity

241.20%

Profit per unit of shareholder capital

very strongWhat this means

Profit generated per unit of shareholder capital.

Rare when sustained — check whether debt is flattering it, since borrowing shrinks the equity denominator.

Return on assets

24.06%

Profit per unit of assets

very strongWhat this means

Profit generated per unit of everything the company owns.

Usually an asset-light business — the value is in people and brands, not property.

Debt to equity

439.58

Borrowings against equity

heavily gearedWhat this means

Borrowings measured against shareholder capital.

Debt magnifies both good years and bad, and raises the stakes when rates rise.

Current ratio

1.06

Short-term assets over short-term debts

adequateWhat this means

Short-term assets against short-term obligations.

Enough to cover near-term bills.

Quick ratio

0.67

As above, excluding inventory

adequateWhat this means

Short-term assets excluding inventory, against short-term debts.

Near-term obligations are roughly covered without selling inventory.

Revenue growth

14.10%

Year on year

growingWhat this means

Change in revenue against the same period last year.

A healthy expansion rate.

Earnings growth

22.10%

Year on year

strongWhat this means

Change in earnings against the same period last year.

Profit is compounding at a good clip.

Revenue

$17.68B

Trailing twelve months

Free cash flow

$16.96B

Cash left after capital spending

Operating cash flow

$17.44B

Cash from the business itself

Payout ratio

17.93%

Dividends as a share of earnings

conservativeWhat this means

The share of earnings paid out as dividends.

Comfortably covered, with room to keep raising it.

Growth & momentumLow Sharpe ratio (0.49) 60.022%

Return, 1 month

5.84%

Return, 3 months

20.52%

Return, 6 months

17.32%

Return, year to date

6.29%

Return, 1 year

1.03%

Return, 3 years

54.21%

Sharpe ratio

0.49

Return earned per unit of risk

modestWhat this means

Return earned per unit of risk taken.

Below 1 is the common case; return did not strongly outpace the volatility.

Win rate

52.95%

Share of days that closed up

about evenWhat this means

The share of trading days that closed higher.

Close to a coin flip, which is the norm — returns come from the size of moves, not their count.

Average daily return

0.05%

Best day

9.12%

Worst day

-7.69%

ValuationHigh P/B ratio (93.12) 30.018%

P/E ratio

32.76

Price against trailing earnings

highWhat this means

You pay 32.76 for every 1 unit of annual earnings.

Above about 25 the market is paying up for expected growth.

Forward P/E

25.87

Price against forecast earnings

moderateWhat this means

Price against next year's *forecast* earnings.

A conventional range.

PEG ratio

1.78

P/E adjusted for growth

fairWhat this means

P/E divided by the growth rate — it asks whether the price is justified by the growth.

Between 1 and 2 price and growth are roughly in step.

Price to book

93.12

Price against balance-sheet equity

well above bookWhat this means

Price against the accounting value of the company's net assets.

Normal for asset-light businesses, where the value sits in brands and software the balance sheet never records.

Price to sales

14.87

Price against revenue

highWhat this means

Price against revenue — usable when a company has no profit yet.

The price assumes today's revenue will convert into much more profit later.

EV / EBITDA

24.26

Whole-company value against cash earnings

highWhat this means

Whole-company value, debt included, against cash earnings.

Expensive even before interest, tax and depreciation are considered.

Enterprise value

$538.51B

Market value plus debt, minus cash — the price of the whole business

Shares outstanding

869,464,115

Shares the profit is split across

Dividend yield

0.58%

Annual dividend against price

modestWhat this means

Annual dividend as a percentage of the share price.

A small income component.

TechnicalPrice well above 200-day SMA (strong uptrend); Strong trend (ADX > 25) 100.015%

RSI (14)

69.7

Above 70 overbought, below 30 oversold

neutralWhat this means

A 0–100 momentum gauge over the last 14 sessions.

The middle band, where most trading days sit.

MACD

12.36

Momentum against its own trend

MACD histogram

1.32

Positive is bullish

ADX

36.6

Trend strength; above 25 is a real trend

trendingWhat this means

Trend strength, regardless of direction.

Above 25 is conventionally read as a genuine trend in force.

20-day average

$572.31

50-day average

$541.79

200-day average

$527.48

Price vs 50-day

9.93%

Price vs 200-day

12.92%

Bollinger upper

$592.76

Bollinger lower

$551.85

Average true range

11.05

Typical daily trading range

Stochastic %K

87.7

Risk4 measured figures 40.012%

Volatility, annualised

24.02%

How far it swings in a year

normalWhat this means

How far the price typically swings over a year.

A typical range for an individual share.

Beta

0.73

Moves against the wider market

steadier than the marketWhat this means

How much the price moves relative to the wider market.

Tends to move less than the index, in both directions.

Maximum drawdown

-28.25%

Worst peak-to-trough fall

significantWhat this means

The worst peak-to-trough fall in the period measured.

A serious decline, though not unusual over a multi-year window.

Risk category

Moderate

The engine's own banding

Analyst viewAnalyst consensus: Strong Buy; Strong analyst coverage (37 analysts) 100.010%

Consensus

Strong Buy

What covering analysts rate it

Analysts covering

37

Mean price target

$667.30

Highest target

$735.00

Lowest target

$550.00

Implied upside

12.04%

Target against today's price

meaningfulWhat this means

How far the mean analyst target sits above today's price.

Analysts see real room above today's price.

Price against the S&P 500

180 trading days to 2026-08-25

MA is 9.7% up over the window, against 11.6% up for the S&P 500 — behind by 1.8 points.
MA +9.7%S&P 500 +11.6%
Show the numbers
Sampled across the window. Both columns are rebased to 100 on 2025-12-05, so they can be compared directly.
DateCloseMA rebasedS&P 500 rebased
2025-12-05$542.86100.0100.0
2025-12-29$575.08105.9100.5
2026-01-21$525.7896.9100.1
2026-02-11$535.6498.7101.0
2026-03-05$522.8896.399.4
2026-03-26$499.0591.994.3
2026-04-17$520.4395.9103.7
2026-05-08$494.6591.1107.7
2026-06-01$494.4291.1110.6
2026-06-23$487.2589.8107.2
2026-07-15$535.2198.6110.2
2026-08-05$570.48105.1112.4

How the score was built

Each category is scored 0–100, then multiplied by its weight. The seven contributions sum to the quality score.
CategoryScoreWeightContribution
Financial health100.023%23.0
Growth & momentum60.022%13.2
Valuation30.018%5.4
Technical100.015%15.0
Risk40.012%4.8
Analyst view100.010%10.0
ESG50.00%0.0
Quality score100%71.4

ESG is scored but carries no weight in this grade. Add ?esg=1 to the address to include it — the engine then redistributes weight across the other six, so the whole scorecard changes, not just one row.

Argue with the model

Every other grader hands you a number. This one hands you the model.

Move a slider, press Recalculate, and the grade is rebuilt from the same category scores. Nothing is hidden: the scores are the engine's, only the weighting is yours.

18%
23%
22%
12%
15%
10%
0%

These are IQInvest's own weights, totalling 100%.

Your grade

C-

71.4 / 100

Identical to the IQInvest grade.

All 66 metricsOne flat sortable table, for when you want everything at once.
Metric Category Value Source
20-day averageTechnical$572.31Yahoo Finance
200-day averageTechnical$527.48Yahoo Finance
50-day averageTechnical$541.79Yahoo Finance
52-week highMarket data$601.62Yahoo Finance
52-week lowMarket data$464.52Yahoo Finance
ADXTechnical36.6Yahoo Finance
Analysts coveringAnalyst view37Yahoo Finance
Average daily returnGrowth & momentum0.05%Yahoo Finance
Average true rangeTechnical11.05Yahoo Finance
Average volumeMarket data3,517,084Yahoo Finance
Best dayGrowth & momentum9.12%Yahoo Finance
BetaRisk0.73Yahoo Finance
Bollinger lowerTechnical$551.85Yahoo Finance
Bollinger upperTechnical$592.76Yahoo Finance
ConsensusAnalyst viewStrong BuyYahoo Finance
Current ratioFinancial health1.06Yahoo Finance
Day highMarket data$601.18Yahoo Finance
Day lowMarket data$595.35Yahoo Finance
Debt to equityFinancial health439.58Yahoo Finance
Dividend yieldValuation0.58%Yahoo Finance
Earnings growthFinancial health22.10%Yahoo Finance
EmployeesMarket data39,800Yahoo Finance
Enterprise valueValuation$538.51BYahoo Finance
EV / EBITDAValuation24.26Yahoo Finance
Forward P/EValuation25.87Yahoo Finance
Free cash flowFinancial health$16.96BYahoo Finance
Gross marginFinancial health100.00%Yahoo Finance
Highest targetAnalyst view$735.00Yahoo Finance
Implied upsideAnalyst view12.04%Yahoo Finance
Lowest targetAnalyst view$550.00Yahoo Finance
MACDTechnical12.36Yahoo Finance
MACD histogramTechnical1.32Yahoo Finance
Maximum drawdownRisk-28.25%Yahoo Finance
Mean price targetAnalyst view$667.30Yahoo Finance
OpenMarket data$596.87Yahoo Finance
Operating cash flowFinancial health$17.44BYahoo Finance
Operating marginFinancial health61.11%Yahoo Finance
P/E ratioValuation32.76Yahoo Finance
Payout ratioFinancial health17.93%Yahoo Finance
PEG ratioValuation1.78Yahoo Finance
Previous closeMarket data$599.86Yahoo Finance
Price to bookValuation93.12Yahoo Finance
Price to salesValuation14.87Yahoo Finance
Price vs 200-dayTechnical12.92%Yahoo Finance
Price vs 50-dayTechnical9.93%Yahoo Finance
Profit marginFinancial health46.34%Yahoo Finance
Quick ratioFinancial health0.67Yahoo Finance
Return on assetsFinancial health24.06%Yahoo Finance
Return on equityFinancial health241.20%Yahoo Finance
Return, 1 monthGrowth & momentum5.84%Yahoo Finance
Return, 1 yearGrowth & momentum1.03%Yahoo Finance
Return, 3 monthsGrowth & momentum20.52%Yahoo Finance
Return, 3 yearsGrowth & momentum54.21%Yahoo Finance
Return, 6 monthsGrowth & momentum17.32%Yahoo Finance
Return, year to dateGrowth & momentum6.29%Yahoo Finance
RevenueFinancial health$17.68BYahoo Finance
Revenue growthFinancial health14.10%Yahoo Finance
Risk categoryRiskModerateYahoo Finance
RSI (14)Technical69.7Yahoo Finance
Shares outstandingValuation869,464,115Yahoo Finance
Sharpe ratioGrowth & momentum0.49Yahoo Finance
Stochastic %KTechnical87.7Yahoo Finance
Volatility, annualisedRisk24.02%Yahoo Finance
VolumeMarket data1,112,128Yahoo Finance
Win rateGrowth & momentum52.95%Yahoo Finance
Worst dayGrowth & momentum-7.69%Yahoo Finance
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