MASTERCARD INC - A (1MA.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1MA - US57636Q1040 - Common Stock
487.1 EUR
+20.45 (+4.38%)
1MA gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 54 industry peers in the Financial Services industry. 1MA has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. While showing a medium growth rate, 1MA is valued expensive at the moment. These ratings would make 1MA suitable for quality investing!
1. Profitability
1.1 Basic Checks
1MA had positive earnings in the past year.
In the past year 1MA had a positive cash flow from operations.
Each year in the past 5 years 1MA has been profitable.
Each year in the past 5 years 1MA had a positive operating cash flow.
1.2 Ratios
1MA has a Return On Assets of 26.74%. This is amongst the best in the industry. 1MA outperforms 100.00% of its industry peers.
With an excellent Return On Equity value of 180.29%, 1MA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
1MA has a Return On Invested Capital of 47.55%. This is amongst the best in 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 10.39%.
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
The Profit Margin of 1MA (45.28%) is better than 92.59% of its industry peers.
1MA's Profit Margin has been stable in the last couple of years.
With an excellent Operating Margin value of 59.16%, 1MA belongs to the best of the industry, outperforming 90.74% of the companies in the same industry.
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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 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 10.48. This indicates that 1MA is financially healthy and has little risk of bankruptcy at the moment.
1MA has a better Altman-Z score (10.48) than 94.44% 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 has a Debt to FCF ratio of 1.16. This is amongst the best in the industry. 1MA outperforms 87.04% 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.
1MA has a Debt to Equity ratio of 2.40. This is in the lower half of the industry: 1MA underperforms 70.37% of its industry peers.
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 | 10.48 |
ROIC/WACC5.52
WACC8.61%
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.
1MA has a Current ratio of 1.12. This is comparable to the rest of the industry: 1MA outperforms 44.44% 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.
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.
Looking at the last year, 1MA shows a quite strong growth in Revenue. The Revenue has grown by 15.60% in the last year.
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
Based on estimates for the next years, 1MA will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.33% on average per year.
Based on estimates for the next years, 1MA will show a quite strong growth in Revenue. The Revenue will grow by 11.67% on average per year.
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
The Price/Earnings ratio is 35.48, which means the current valuation is very expensive for 1MA.
1MA's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.54, 1MA is valued a bit more expensive.
Based on the Price/Forward Earnings ratio of 28.99, the valuation of 1MA can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1MA is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.78, 1MA is valued a bit more expensive.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.48 | ||
| Fwd PE | 28.99 |
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 | 31.64 | ||
| EV/EBITDA | 25.5 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1MA does not grow enough to justify the current Price/Earnings ratio.
1MA has an outstanding profitability rating, which may justify a higher PE ratio.
1MA's earnings are expected to grow with 16.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.21
PEG (5Y)2.64
EPS Next 2Y16.06%
EPS Next 3Y16.15%
5. Dividend
5.1 Amount
1MA has a yearly dividend return of 0.55%, which is pretty low.
1MA's Dividend Yield is comparable with the industry average which is at 3.26.
Compared to an average S&P500 Dividend Yield of 2.27, 1MA's dividend is way lower than the S&P500 average.
| 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.
1MA's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP18.79%
EPS Next 2Y16.06%
EPS Next 3Y16.15%
BIT:1MA (12/12/2025, 7:00:00 PM)
487.1
+20.45 (+4.38%)
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 Cap440.34B
Revenue(TTM)31.47B
Net Income(TTM)14.25B
Analysts80.42
Price Target571.57 (17.34%)
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 | 35.48 | ||
| Fwd PE | 28.99 | ||
| P/S | 16.39 | ||
| P/FCF | 31.64 | ||
| P/OCF | 29.51 | ||
| P/B | 65.26 | ||
| P/tB | N/A | ||
| EV/EBITDA | 25.5 |
EPS(TTM)13.73
EY2.82%
EPS(NY)16.8
Fwd EY3.45%
FCF(TTM)15.4
FCFY3.16%
OCF(TTM)16.51
OCFY3.39%
SpS29.72
BVpS7.46
TBVpS-6.86
PEG (NY)2.21
PEG (5Y)2.64
Graham Number48.02
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 | 10.48 |
F-Score8
WACC8.61%
ROIC/WACC5.52
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 8 / 10.
Can you provide the PE and PB ratios for 1MA stock?
The Price/Earnings (PE) ratio for MASTERCARD INC - A (1MA.MI) is 35.48 and the Price/Book (PB) ratio is 65.26.
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.