Mastercard CDR CAD Hedged (MA.CA) Stock Fundamental Analysis

TSX:MA

31.64 CAD
+0.17 (+0.54%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

8

Taking everything into account, MA scores 8 out of 10 in our fundamental rating. MA was compared to 32 industry peers in the Financial Services industry. Both the health and profitability get an excellent rating, making MA a very profitable company, without any liquidiy or solvency issues. MA is evaluated to be cheap and growing strongly. This does not happen too often! These ratings would make MA suitable for value and growth and quality investing!


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • MA had positive earnings in the past year.
  • In the past year MA had a positive cash flow from operations.
  • Each year in the past 5 years MA has been profitable.
  • Each year in the past 5 years MA had a positive operating cash flow.
MA.CA Yearly Net Income VS EBIT VS OCF VS FCFMA.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

1.2 Ratios

  • MA's Return On Assets of 27.64% is amongst the best of the industry. MA outperforms 100.00% of its industry peers.
  • The Return On Equity of MA (193.46%) is better than 100.00% of its industry peers.
  • MA's Return On Invested Capital of 51.15% is amongst the best of the industry. MA outperforms 100.00% of its industry peers.
  • MA had an Average Return On Invested Capital over the past 3 years of 48.09%. This is significantly above the industry average of 6.74%.
  • The 3 year average ROIC (48.09%) for MA is below the current ROIC(51.15%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 27.64%
ROE 193.46%
ROIC 51.15%
ROA(3y)26.93%
ROA(5y)25.9%
ROE(3y)184.52%
ROE(5y)166%
ROIC(3y)48.09%
ROIC(5y)44.33%
MA.CA Yearly ROA, ROE, ROICMA.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50 100 150

1.3 Margins

  • MA's Profit Margin of 45.65% is fine compared to the rest of the industry. MA outperforms 75.00% of its industry peers.
  • In the last couple of years the Profit Margin of MA has grown nicely.
  • The Operating Margin of MA (59.37%) is better than 78.13% of its industry peers.
  • MA's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 59.37%
PM (TTM) 45.65%
GM N/A
OM growth 3Y0.95%
OM growth 5Y2.09%
PM growth 3Y0.73%
PM growth 5Y1.73%
GM growth 3YN/A
GM growth 5YN/A
MA.CA Yearly Profit, Operating, Gross MarginsMA.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so MA is creating value.
  • The number of shares outstanding for MA has been reduced compared to 1 year ago.
  • Compared to 5 years ago, MA has less shares outstanding
  • The debt/assets ratio for MA has been reduced compared to a year ago.
MA.CA Yearly Shares OutstandingMA.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
MA.CA Yearly Total Debt VS Total AssetsMA.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • An Altman-Z score of 4.28 indicates that MA is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 4.28, MA is in the better half of the industry, outperforming 65.63% of the companies in the same industry.
  • MA 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.
  • With an excellent Debt to FCF ratio value of 1.16, MA belongs to the best of the industry, outperforming 90.63% of the companies in the same industry.
  • A Debt/Equity ratio of 2.36 is on the high side and indicates that MA has dependencies on debt financing.
  • The Debt to Equity ratio of MA (2.36) is worse than 71.88% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for MA, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF 1.16
Altman-Z 4.28
ROIC/WACC6.53
WACC7.83%
MA.CA Yearly LT Debt VS Equity VS FCFMA.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.3 Liquidity

  • A Current Ratio of 1.03 indicates that MA should not have too much problems paying its short term obligations.
  • The Current ratio of MA (1.03) is comparable to the rest of the industry.
  • MA has a Quick Ratio of 1.03. This is a normal value and indicates that MA is financially healthy and should not expect problems in meeting its short term obligations.
  • MA has a Quick ratio (1.03) which is comparable to the rest of the industry.
  • The current and quick ratio evaluation for MA 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 RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
MA.CA Yearly Current Assets VS Current LiabilitesMA.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • MA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.50%, which is quite good.
  • The Earnings Per Share has been growing by 21.49% on average over the past years. This is a very strong growth
  • The Revenue has grown by 16.42% in the past year. This is quite good.
  • MA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.47% yearly.
EPS 1Y (TTM)16.5%
EPS 3Y16.91%
EPS 5Y21.49%
EPS Q2Q%24.61%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y13.82%
Revenue growth 5Y16.47%
Sales Q2Q%17.59%

3.2 Future

  • Based on estimates for the next years, MA will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.04% on average per year.
  • The Revenue is expected to grow by 11.48% on average over the next years. This is quite good.
EPS Next Y18.13%
EPS Next 2Y16.98%
EPS Next 3Y16.92%
EPS Next 5Y15.04%
Revenue Next Year12.88%
Revenue Next 2Y12.59%
Revenue Next 3Y12.51%
Revenue Next 5Y11.48%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
MA.CA Yearly Revenue VS EstimatesMA.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B 40B 50B
MA.CA Yearly EPS VS EstimatesMA.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15 20 25

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 1.36 indicates a rather cheap valuation of MA.
  • Based on the Price/Earnings ratio, MA is valued cheaper than 96.88% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.07. MA is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 1.15 indicates a rather cheap valuation of MA.
  • Based on the Price/Forward Earnings ratio, MA is valued cheaper than 96.88% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of MA to the average of the S&P500 Index (28.05), we can say MA is valued rather cheaply.
Industry RankSector Rank
PE 1.36
Fwd PE 1.15
MA.CA Price Earnings VS Forward Price EarningsMA.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MA indicates a rather cheap valuation: MA is cheaper than 96.88% of the companies listed in the same industry.
  • MA's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MA is cheaper than 90.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.26
EV/EBITDA 1.38
MA.CA Per share dataMA.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • MA has an outstanding profitability rating, which may justify a higher PE ratio.
  • MA's earnings are expected to grow with 16.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)0.06
EPS Next 2Y16.98%
EPS Next 3Y16.92%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.68%, MA is not a good candidate for dividend investing.
  • MA's Dividend Yield is slightly below the industry average, which is at 4.77.
  • With a Dividend Yield of 0.68, MA pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.68%

5.2 History

  • On average, the dividend of MA grows each year by 13.71%, which is quite nice.
  • MA is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)13.71%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • MA pays out 18.41% of its income as dividend. This is a sustainable payout ratio.
  • MA's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP18.41%
EPS Next 2Y16.98%
EPS Next 3Y16.92%
MA.CA Yearly Income VS Free CF VS DividendMA.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
MA.CA Dividend Payout.MA.CA Dividend Payout, showing the Payout Ratio.MA.CA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

Mastercard CDR CAD Hedged

TSX:MA (2/27/2026, 7:00:00 PM)

31.64

+0.17 (+0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-29
Inst Owners90.75%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap28.29B
Revenue(TTM)32.79B
Net Income(TTM)14.97B
Analysts82
Price Target41.32 (30.59%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.68%
Yearly Dividend4.17
Dividend Growth(5Y)13.71%
DP18.41%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.62%
Min EPS beat(2)-1.55%
Max EPS beat(2)8.79%
EPS beat(4)3
Avg EPS beat(4)2.18%
Min EPS beat(4)-1.55%
Max EPS beat(4)8.79%
EPS beat(8)5
Avg EPS beat(8)1.07%
EPS beat(12)8
Avg EPS beat(12)0.89%
EPS beat(16)11
Avg EPS beat(16)2.57%
Revenue beat(2)0
Avg Revenue beat(2)-2.39%
Min Revenue beat(2)-2.63%
Max Revenue beat(2)-2.14%
Revenue beat(4)0
Avg Revenue beat(4)-1.69%
Min Revenue beat(4)-2.63%
Max Revenue beat(4)-0.87%
Revenue beat(8)0
Avg Revenue beat(8)-1.75%
Revenue beat(12)0
Avg Revenue beat(12)-1.77%
Revenue beat(16)2
Avg Revenue beat(16)-1.32%
PT rev (1m)-0.2%
PT rev (3m)N/A
EPS NQ rev (1m)2.67%
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.92%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-0.61%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 1.36
Fwd PE 1.15
P/S 0.63
P/FCF 1.26
P/OCF 1.17
P/B 2.67
P/tB N/A
EV/EBITDA 1.38
EPS(TTM)23.27
EY73.55%
EPS(NY)27.49
Fwd EY86.88%
FCF(TTM)25.13
FCFY79.42%
OCF(TTM)26.99
OCFY85.3%
SpS50.15
BVpS11.83
TBVpS-11.28
PEG (NY)0.07
PEG (5Y)0.06
Graham Number78.71
Profitability
Industry RankSector Rank
ROA 27.64%
ROE 193.46%
ROCE 62.01%
ROIC 51.15%
ROICexc 78.35%
ROICexgc 298.32%
OM 59.37%
PM (TTM) 45.65%
GM N/A
FCFM 50.11%
ROA(3y)26.93%
ROA(5y)25.9%
ROE(3y)184.52%
ROE(5y)166%
ROIC(3y)48.09%
ROIC(5y)44.33%
ROICexc(3y)72.29%
ROICexc(5y)65.83%
ROICexgc(3y)259.03%
ROICexgc(5y)223.97%
ROCE(3y)58.3%
ROCE(5y)53.74%
ROICexgc growth 3Y17.55%
ROICexgc growth 5Y14.35%
ROICexc growth 3Y8.26%
ROICexc growth 5Y5.25%
OM growth 3Y0.95%
OM growth 5Y2.09%
PM growth 3Y0.73%
PM growth 5Y1.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.61
Health
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF 1.16
Debt/EBITDA 0.89
Cap/Depr 106.3%
Cap/Sales 3.71%
Interest Coverage 250
Cash Conversion 85.62%
Profit Quality 109.79%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z 4.28
F-Score8
WACC7.83%
ROIC/WACC6.53
Cap/Depr(3y)125.19%
Cap/Depr(5y)126.79%
Cap/Sales(3y)4.09%
Cap/Sales(5y)4.3%
Profit Quality(3y)104.2%
Profit Quality(5y)102.77%
High Growth Momentum
Growth
EPS 1Y (TTM)16.5%
EPS 3Y16.91%
EPS 5Y21.49%
EPS Q2Q%24.61%
EPS Next Y18.13%
EPS Next 2Y16.98%
EPS Next 3Y16.92%
EPS Next 5Y15.04%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y13.82%
Revenue growth 5Y16.47%
Sales Q2Q%17.59%
Revenue Next Year12.88%
Revenue Next 2Y12.59%
Revenue Next 3Y12.51%
Revenue Next 5Y11.48%
EBIT growth 1Y17.87%
EBIT growth 3Y14.9%
EBIT growth 5Y18.9%
EBIT Next Year20.1%
EBIT Next 3Y15.48%
EBIT Next 5YN/A
FCF growth 1Y20.96%
FCF growth 3Y17.62%
FCF growth 5Y20.32%
OCF growth 1Y19.4%
OCF growth 3Y16.38%
OCF growth 5Y19.56%

Mastercard CDR CAD Hedged / MA.CA FAQ

Can you provide the ChartMill fundamental rating for Mastercard CDR CAD Hedged?

ChartMill assigns a fundamental rating of 8 / 10 to MA.CA.


Can you provide the valuation status for Mastercard CDR CAD Hedged?

ChartMill assigns a valuation rating of 9 / 10 to Mastercard CDR CAD Hedged (MA.CA). This can be considered as Undervalued.


How profitable is Mastercard CDR CAD Hedged (MA.CA) stock?

Mastercard CDR CAD Hedged (MA.CA) has a profitability rating of 8 / 10.


What is the earnings growth outlook for Mastercard CDR CAD Hedged?

The Earnings per Share (EPS) of Mastercard CDR CAD Hedged (MA.CA) is expected to grow by 18.13% in the next year.


How sustainable is the dividend of Mastercard CDR CAD Hedged (MA.CA) stock?

The dividend rating of Mastercard CDR CAD Hedged (MA.CA) is 3 / 10 and the dividend payout ratio is 18.41%.