MASTERCARD INC - A (1MA.MI) Stock Fundamental Analysis
Europe - BIT:1MA - US57636Q1040 - Common Stock
482.75 EUR
-7.8 (-1.59%)
Taking everything into account, 1MA scores 7 out of 10 in our fundamental rating. 1MA was compared to 50 industry peers in the Financial Services industry. Both the health and profitability get an excellent rating, making 1MA a very profitable company, without any liquidiy or solvency issues. 1MA is quite expensive at the moment. It does show a decent growth rate. With these ratings, 1MA could be worth investigating further for quality investing!.
1. Profitability
1.1 Basic Checks
In the past year 1MA was profitable.
In the past year 1MA had a positive cash flow from operations.
1MA had positive earnings in each of the past 5 years.
1MA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 26.74%, 1MA belongs to the top of the industry, outperforming 98.00% of the companies in the same industry.
1MA has a better Return On Equity (180.29%) than 98.00% of its industry peers.
1MA has a better Return On Invested Capital (47.55%) than 98.00% of its industry peers.
1MA had an Average Return On Invested Capital over the past 3 years of 45.83%. This is significantly above the industry average of 9.72%.
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
Looking at the Profit Margin, with a value of 45.28%, 1MA belongs to the top of the industry, outperforming 92.00% 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 has a Operating Margin of 59.16%. This is amongst the best in the industry. 1MA outperforms 90.00% of its industry peers.
In the last couple of years the Operating Margin of 1MA has remained more or less at the same level.
| 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
1MA has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, 1MA has less shares outstanding
1MA has less shares outstanding than it did 5 years ago.
1MA has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 10.62 indicates that 1MA is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 10.62, 1MA belongs to the top of the industry, outperforming 96.00% of the companies in the same industry.
1MA has a debt to FCF ratio of 1.16. This is a very positive value and a sign of high solvency as it would only need 1.16 years to pay back of all of its debts.
1MA has a Debt to FCF ratio of 1.16. This is amongst the best in the industry. 1MA outperforms 84.00% of its industry peers.
1MA has a Debt/Equity ratio of 2.40. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.40, 1MA is doing worse than 76.00% of the companies in the same industry.
Although 1MA does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.4 | ||
| Debt/FCF | 1.16 | ||
| Altman-Z | 10.62 |
ROIC/WACC5.57
WACC8.53%
2.3 Liquidity
1MA has a Current Ratio of 1.12. This is a normal value and indicates that 1MA is financially healthy and should not expect problems in meeting its short term obligations.
With a Current ratio value of 1.12, 1MA is not doing good in the industry: 64.00% of the companies in the same industry are doing better.
1MA has a Quick Ratio of 1.12. This is a normal value and indicates that 1MA is financially healthy and should not expect problems in meeting its short term obligations.
1MA has a Quick ratio (1.12) which is in line with its industry peers.
The current and quick ratio evaluation for 1MA is rather negative, while it does have 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.
The Earnings Per Share has been growing by 13.43% on average over the past years. This is quite good.
1MA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.60%.
1MA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.78% yearly.
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.
The Revenue is expected to grow by 11.67% on average over the next years. This is quite good.
EPS Next Y16.07%
EPS Next 2Y16.06%
EPS Next 3Y16.15%
EPS Next 5Y15.33%
Revenue Next Year16.6%
Revenue Next 2Y14.5%
Revenue Next 3Y13.64%
Revenue Next 5Y11.67%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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
With a Price/Earnings ratio of 34.71, 1MA can be considered very expensive at the moment.
1MA's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of 1MA to the average of the S&P500 Index (25.91), we can say 1MA is valued slightly more expensively.
The Price/Forward Earnings ratio is 28.36, which means the current valuation is very expensive for 1MA.
1MA's Price/Forward Earnings is on the same level as the industry average.
1MA is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 34.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.71 | ||
| Fwd PE | 28.36 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1MA.
1MA's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.94 | ||
| EV/EBITDA | 26.02 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The excellent profitability rating of 1MA may justify a higher PE ratio.
A more expensive valuation may be justified as 1MA's earnings are expected to grow with 16.15% in the coming years.
PEG (NY)2.16
PEG (5Y)2.58
EPS Next 2Y16.06%
EPS Next 3Y16.15%
5. Dividend
5.1 Amount
With a yearly dividend of 0.55%, 1MA is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.47, 1MA has a dividend in line with its industry peers.
With a Dividend Yield of 0.55, 1MA pays less dividend than the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.55% |
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 2Y16.06%
EPS Next 3Y16.15%
BIT:1MA (10/30/2025, 7:00:00 PM)
482.75
-7.8 (-1.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.32%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap436.41B
Revenue(TTM)31.47B
Net Income(TTM)14.25B
Analysts80.42
Price Target571.57 (18.4%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.55% |
Yearly Dividend2.29
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)1.79%
PT rev (3m)-0.36%
EPS NQ rev (1m)1.51%
EPS NQ rev (3m)4.43%
EPS NY rev (1m)0.6%
EPS NY rev (3m)3.32%
Revenue NQ rev (1m)1.06%
Revenue NQ rev (3m)4.01%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)2.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.71 | ||
| Fwd PE | 28.36 | ||
| P/S | 16.03 | ||
| P/FCF | 30.94 | ||
| P/OCF | 28.86 | ||
| P/B | 63.83 | ||
| P/tB | N/A | ||
| EV/EBITDA | 26.02 |
EPS(TTM)13.91
EY2.88%
EPS(NY)17.02
Fwd EY3.53%
FCF(TTM)15.6
FCFY3.23%
OCF(TTM)16.73
OCFY3.46%
SpS30.12
BVpS7.56
TBVpS-6.95
PEG (NY)2.16
PEG (5Y)2.58
Graham Number48.65
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 | 10.62 |
F-Score8
WACC8.53%
ROIC/WACC5.57
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 Y16.07%
EPS Next 2Y16.06%
EPS Next 3Y16.15%
EPS Next 5Y15.33%
Revenue 1Y (TTM)15.6%
Revenue growth 3Y14.26%
Revenue growth 5Y10.78%
Sales Q2Q%16.73%
Revenue Next Year16.6%
Revenue Next 2Y14.5%
Revenue Next 3Y13.64%
Revenue Next 5Y11.67%
EBIT growth 1Y16.51%
EBIT growth 3Y17.33%
EBIT growth 5Y11.15%
EBIT Next Year23.18%
EBIT Next 3Y16.18%
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.
Can you provide the valuation status for MASTERCARD INC - A?
ChartMill assigns a valuation rating of 2 / 10 to MASTERCARD INC - A (1MA.MI). This can be considered as Overvalued.
How profitable is MASTERCARD INC - A (1MA.MI) stock?
MASTERCARD INC - A (1MA.MI) has a profitability rating of 7 / 10.
Can you provide the PE and PB ratios for 1MA stock?
The Price/Earnings (PE) ratio for MASTERCARD INC - A (1MA.MI) is 34.71 and the Price/Book (PB) ratio is 63.83.
What is the expected EPS growth for MASTERCARD INC - A (1MA.MI) stock?
The Earnings per Share (EPS) of MASTERCARD INC - A (1MA.MI) is expected to grow by 16.07% in the next year.