MASTERCARD INC - A (1MA.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1MA - US57636Q1040 - Common Stock
483.15 EUR
-8.75 (-1.78%)
1MA gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 58 industry peers in the Financial Services industry. 1MA scores excellent points on both the profitability and health parts. This is a solid base for a good stock. 1MA is valied quite expensively at the moment, while it does show a decent growth rate. These ratings could make 1MA a good candidate for quality investing.
1. Profitability
1.1 Basic Checks
- In the past year 1MA was profitable.
- 1MA had a positive operating cash flow in the past year.
- Each year in the past 5 years 1MA has been profitable.
- 1MA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- 1MA has a better Return On Assets (26.74%) than 100.00% of its industry peers.
- 1MA has a better Return On Equity (180.29%) than 100.00% of its industry peers.
- 1MA's Return On Invested Capital of 47.55% is amongst the best of the industry. 1MA outperforms 100.00% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for 1MA is significantly above the industry average of 8.80%.
- The 3 year average ROIC (45.83%) for 1MA is below the current ROIC(47.55%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 26.74% | ||
| ROE | 180.29% | ||
| ROIC | 47.55% |
ROA(3y)26.26%
ROA(5y)24.19%
ROE(3y)172.59%
ROE(5y)147.38%
ROIC(3y)45.83%
ROIC(5y)40.7%
1.3 Margins
- With an excellent Profit Margin value of 45.28%, 1MA belongs to the best of the industry, outperforming 91.38% of the companies in the same industry.
- In the last couple of years the Profit Margin of 1MA has remained more or less at the same level.
- 1MA's Operating Margin of 59.16% is amongst the best of the industry. 1MA outperforms 91.38% of its industry peers.
- 1MA's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 59.16% | ||
| PM (TTM) | 45.28% | ||
| GM | N/A |
OM growth 3Y2.69%
OM growth 5Y0.34%
PM growth 3Y-0.21%
PM growth 5Y-1.01%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 1MA is creating value.
- 1MA has less shares outstanding than it did 1 year ago.
- 1MA has less shares outstanding than it did 5 years ago.
- 1MA has a worse debt/assets ratio than last year.
2.2 Solvency
- 1MA has an Altman-Z score of 10.59. This indicates that 1MA is financially healthy and has little risk of bankruptcy at the moment.
- 1MA has a better Altman-Z score (10.59) than 93.10% of its industry peers.
- The Debt to FCF ratio of 1MA is 1.16, which is an excellent value as it means it would take 1MA, only 1.16 years of fcf income to pay off all of its debts.
- 1MA's Debt to FCF ratio of 1.16 is amongst the best of the industry. 1MA outperforms 87.93% of its industry peers.
- A Debt/Equity ratio of 2.40 is on the high side and indicates that 1MA has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 2.40, 1MA is doing worse than 72.41% of the companies in the same industry.
- Even though the debt/equity ratio score it not favorable for 1MA, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.4 | ||
| Debt/FCF | 1.16 | ||
| Altman-Z | 10.59 |
ROIC/WACC5.54
WACC8.59%
2.3 Liquidity
- A Current Ratio of 1.12 indicates that 1MA should not have too much problems paying its short term obligations.
- 1MA has a Current ratio of 1.12. This is comparable to the rest of the industry: 1MA outperforms 46.55% of its industry peers.
- A Quick Ratio of 1.12 indicates that 1MA should not have too much problems paying its short term obligations.
- 1MA has a Quick ratio of 1.12. This is comparable to the rest of the industry: 1MA outperforms 50.00% of its industry peers.
- 1MA does not score too well on the current and quick ratio evaluation. However, as it has excellent solvency and profitability, these ratios do not necessarly indicate liquidity issues and need to be evaluated against the specifics of the business.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 15.10% over the past year.
- Measured over the past years, 1MA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.43% on average per year.
- The Revenue has grown by 15.60% in the past year. This is quite good.
- The Revenue has been growing by 10.78% on average over the past years. This is quite good.
EPS 1Y (TTM)15.1%
EPS 3Y20.21%
EPS 5Y13.43%
EPS Q2Q%12.6%
Revenue 1Y (TTM)15.6%
Revenue growth 3Y14.26%
Revenue growth 5Y10.78%
Sales Q2Q%16.73%
3.2 Future
- 1MA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.33% yearly.
- 1MA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.67% yearly.
EPS Next Y16.34%
EPS Next 2Y16.18%
EPS Next 3Y16.23%
EPS Next 5Y15.33%
Revenue Next Year16.73%
Revenue Next 2Y14.64%
Revenue Next 3Y13.76%
Revenue Next 5Y11.67%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 34.99, the valuation of 1MA can be described as expensive.
- 1MA's Price/Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 27.30, 1MA is valued a bit more expensive.
- With a Price/Forward Earnings ratio of 28.52, 1MA can be considered very expensive at the moment.
- 60.34% of the companies in the same industry are cheaper than 1MA, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, 1MA is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.99 | ||
| Fwd PE | 28.52 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1MA.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1MA is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.98 | ||
| EV/EBITDA | 25.93 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- 1MA has an outstanding profitability rating, which may justify a higher PE ratio.
- 1MA's earnings are expected to grow with 16.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.14
PEG (5Y)2.6
EPS Next 2Y16.18%
EPS Next 3Y16.23%
5. Dividend
5.1 Amount
- 1MA has a yearly dividend return of 0.60%, which is pretty low.
- Compared to an average industry Dividend Yield of 1.97, 1MA has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.92, 1MA's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.6% |
5.2 History
- On average, the dividend of 1MA grows each year by 14.95%, which is quite nice.
Dividend Growth(5Y)14.95%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 1MA pays out 18.79% of its income as dividend. This is a sustainable payout ratio.
- The dividend of 1MA is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP18.79%
EPS Next 2Y16.18%
EPS Next 3Y16.23%
BIT:1MA (1/12/2026, 7:00:00 PM)
483.15
-8.75 (-1.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-04 2026-02-04/amc
Inst Owners90.75%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap433.87B
Revenue(TTM)31.47B
Net Income(TTM)14.25B
Analysts81.22
Price Target565.69 (17.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.6% |
Yearly Dividend2.28
Dividend Growth(5Y)14.95%
DP18.79%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.74%
Min EPS beat(2)-1.55%
Max EPS beat(2)0.08%
EPS beat(4)3
Avg EPS beat(4)0.08%
Min EPS beat(4)-1.55%
Max EPS beat(4)1.41%
EPS beat(8)5
Avg EPS beat(8)-0.01%
EPS beat(12)7
Avg EPS beat(12)0.14%
EPS beat(16)11
Avg EPS beat(16)2.22%
Revenue beat(2)0
Avg Revenue beat(2)-1.5%
Min Revenue beat(2)-2.14%
Max Revenue beat(2)-0.87%
Revenue beat(4)0
Avg Revenue beat(4)-1.42%
Min Revenue beat(4)-2.14%
Max Revenue beat(4)-0.87%
Revenue beat(8)0
Avg Revenue beat(8)-1.66%
Revenue beat(12)0
Avg Revenue beat(12)-1.76%
Revenue beat(16)2
Avg Revenue beat(16)-1.27%
PT rev (1m)-1.03%
PT rev (3m)0.74%
EPS NQ rev (1m)-0.05%
EPS NQ rev (3m)1.52%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)0.83%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)1.08%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.99 | ||
| Fwd PE | 28.52 | ||
| P/S | 16.05 | ||
| P/FCF | 30.98 | ||
| P/OCF | 28.9 | ||
| P/B | 63.91 | ||
| P/tB | N/A | ||
| EV/EBITDA | 25.93 |
EPS(TTM)13.81
EY2.86%
EPS(NY)16.94
Fwd EY3.51%
FCF(TTM)15.6
FCFY3.23%
OCF(TTM)16.72
OCFY3.46%
SpS30.11
BVpS7.56
TBVpS-6.95
PEG (NY)2.14
PEG (5Y)2.6
Graham Number48.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 26.74% | ||
| ROE | 180.29% | ||
| ROCE | 57.12% | ||
| ROIC | 47.55% | ||
| ROICexc | 70.61% | ||
| ROICexgc | 228.49% | ||
| OM | 59.16% | ||
| PM (TTM) | 45.28% | ||
| GM | N/A | ||
| FCFM | 51.8% |
ROA(3y)26.26%
ROA(5y)24.19%
ROE(3y)172.59%
ROE(5y)147.38%
ROIC(3y)45.83%
ROIC(5y)40.7%
ROICexc(3y)67.38%
ROICexc(5y)62.88%
ROICexgc(3y)222.96%
ROICexgc(5y)196.71%
ROCE(3y)55.06%
ROCE(5y)48.9%
ROICexgc growth 3Y16.14%
ROICexgc growth 5Y5.63%
ROICexc growth 3Y10.13%
ROICexc growth 5Y-4%
OM growth 3Y2.69%
OM growth 5Y0.34%
PM growth 3Y-0.21%
PM growth 5Y-1.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.59
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.4 | ||
| Debt/FCF | 1.16 | ||
| Debt/EBITDA | 0.96 | ||
| Cap/Depr | 109.1% | ||
| Cap/Sales | 3.73% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 88.75% | ||
| Profit Quality | 114.42% | ||
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 10.59 |
F-Score8
WACC8.59%
ROIC/WACC5.54
Cap/Depr(3y)138.52%
Cap/Depr(5y)129.95%
Cap/Sales(3y)4.5%
Cap/Sales(5y)4.49%
Profit Quality(3y)101.51%
Profit Quality(5y)101.14%
High Growth Momentum
Growth
EPS 1Y (TTM)15.1%
EPS 3Y20.21%
EPS 5Y13.43%
EPS Q2Q%12.6%
EPS Next Y16.34%
EPS Next 2Y16.18%
EPS Next 3Y16.23%
EPS Next 5Y15.33%
Revenue 1Y (TTM)15.6%
Revenue growth 3Y14.26%
Revenue growth 5Y10.78%
Sales Q2Q%16.73%
Revenue Next Year16.73%
Revenue Next 2Y14.64%
Revenue Next 3Y13.76%
Revenue Next 5Y11.67%
EBIT growth 1Y16.51%
EBIT growth 3Y17.33%
EBIT growth 5Y11.15%
EBIT Next Year24.88%
EBIT Next 3Y16.79%
EBIT Next 5Y13.75%
FCF growth 1Y66.51%
FCF growth 3Y16.25%
FCF growth 5Y12.75%
OCF growth 1Y59.63%
OCF growth 3Y16.02%
OCF growth 5Y12.55%
MASTERCARD INC - A / 1MA.MI FAQ
What is the ChartMill fundamental rating of MASTERCARD INC - A (1MA.MI) stock?
ChartMill assigns a fundamental rating of 6 / 10 to 1MA.MI.
What is the valuation status of MASTERCARD INC - A (1MA.MI) stock?
ChartMill assigns a valuation rating of 2 / 10 to MASTERCARD INC - A (1MA.MI). This can be considered as Overvalued.
What is the profitability of 1MA stock?
MASTERCARD INC - A (1MA.MI) has a profitability rating of 8 / 10.
What is the earnings growth outlook for MASTERCARD INC - A?
The Earnings per Share (EPS) of MASTERCARD INC - A (1MA.MI) is expected to grow by 16.34% in the next year.
How sustainable is the dividend of MASTERCARD INC - A (1MA.MI) stock?
The dividend rating of MASTERCARD INC - A (1MA.MI) is 4 / 10 and the dividend payout ratio is 18.79%.