Mastercard Earnings: Solid Consumer Spending Levels Lead to Steady Growth
Mastercard's second-quarter results largely echoed what we saw from Visa and suggest consumer spending is holding at a level that will allow the networks to see solid growth.
Mastercard Inc Class A MA
Bulls Say, Bears Say
Bulls
Mastercard historically has outperformed Visa in terms of growth. Its smaller size and some leveling in market share between the two could maintain this trend.
Bears
Mastercard is a distant number-two player in a scalable industry, which could hamper long-term margins.
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Trading Information
- Previous Close Price
- $562.26
- Day Range
- $563.18–578.50
- 52-Week Range
- $464.52–601.77
- Bid/Ask
- $573.01 / $573.95
- Shares Outstanding
- 876.01M
- Market Cap
- $503.10B
- Volume/Avg
- 4M / 4M
Key Statistics
- Price/Earnings (Normalized)
- 29.94
- Price/Sales
- 14.34
- Dividend Yield (Trailing)
- 0.60%
- Dividend Yield (Forward)
- 0.62%
- Total Yield
- 3.81%
Company Profile
Mastercard is the second-largest payment processor in the world, having processed close to $11 trillion in volume during 2025. Mastercard operates in over 200 countries and processes transactions in over 150 currencies.
- Sector
- Financial Services
- Industry
- Credit Services
- Stock Style Box
- Large Core
- Total Number of Employees
- 39,800
- Website
- https://www.mastercard.com
Competitors
Valuation
|
Metric
|
MA
|
AXP
|
V
|
|---|---|---|---|
Price/Earnings (Normalized) | 29.94 | 20.40 | 28.08 |
Price/Book Value | 87.98 | 6.62 | 19.45 |
Price/Sales | 14.34 | 3.04 | 17.33 |
Price/Cash Flow | 24.11 | 13.18 | 18.64 |
Price/Earnings
MA
AXP
V
Financial Strength
|
Metric
|
MA
|
AXP
|
V
|
|---|---|---|---|
Quick Ratio | 0.67 | — | 0.63 |
Current Ratio | 1.06 | — | 0.99 |
Interest Coverage | 27.97 | — | 35.74 |
Quick Ratio
MA
AXP
V
Profitability
|
Metric
|
MA
|
AXP
|
V
|
|---|---|---|---|
Return on Assets (Normalized) | 31.22% | 3.97% | 25.27% |
Return on Equity (Normalized) | 234.41% | 36.05% | 67.12% |
Return on Invested Capital (Normalized) | 63.76% | — | 41.27% |
Return on Assets
MA
AXP
V
Credit Services Industry Comparables
|
1-Day Chart
|
Name
|
Price
|
Morningstar Rating for Stocks
|
Capital Allocation
|
Economic Moat
|
Market Cap
|
|---|---|---|---|---|---|---|
| Visa Inc Class A
V
| LOCK|KcLxwW | LOCK|$jW | $664B | |||
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AXP
| LOCK|<#%WCh | LOCK|#>n | $227B | |||
| Capital One Financial Corp
COF
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PYPL
| LOCK|d&@y^Zm | LOCK|r>^S | $52B | |||
| Synchrony Financial
SYF
| LOCK|@hcc?^^ | LOCK|@! | $26B | |||
| Affirm Holdings Inc Ordinary Shares - Class A
AFRM
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SOFI
| LOCK|$#<f%< | LOCK|&^%C | $24B | |||
| Ally Financial Inc
ALLY
| LOCK|zQgMF>% | LOCK|>n | $13B | |||
| Klarna Group PLC
KLAR
| LOCK|Z#>XycB | LOCK|<&^& | $7B |
United States