Mastercard (MA)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
$655.92-2.49%
Close 2026-11-05 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
QuarterlyIQ Insights · MA
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-05.
The screen ranks MA against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 4 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Met or beat guidance 100% of the last 1 guided quarters · 11.1% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
From advancing Agentic Commerce to our new Global Money Platform through BVNK, we’re shaping how people pay, manage and exchange across currencies.
Stated in 3 of 8 supplied quarters. Management reported: “From advancing Agentic Commerce to our new Global Money Platform through BVNK, we’re shaping how people pay, manage and exchange across currencies.” “Building on our strong foundation, we’re advancing agentic commerce with Mastercard Agent Pay and expanding our stablecoin solutions through the planned acquisition of BVNK.” Revenue was $9.807 billion in 2026-Q3.
“From advancing Agentic Commerce to our new Global Money Platform through BVNK, we’re shaping how people pay, manage and exchange across currencies.”
“Building on our strong foundation, we’re advancing agentic commerce with Mastercard Agent Pay and expanding our stablecoin solutions through the planned acquisition of BVNK.”
“We launched Mastercard Agent Pay, our new Agentic Payments Program, and will work with companies like Microsoft and OpenAI.”
More Mastercard credentials in more hands give us a powerful foundation, backed by our global reach and innovation.
Stated in 2 of 8 supplied quarters. Management reported: “More Mastercard credentials in more hands give us a powerful foundation, backed by our global reach and innovation.” “While there is uncertainty in the world, we’ve built a diversified, resilient business model and proven strategy that enables us to effectively navigate various economic environments.”” Revenue was $9.807 billion in 2026-Q3.
“More Mastercard credentials in more hands give us a powerful foundation, backed by our global reach and innovation.”
We’re well positioned to capture the next wave of digital payments growth and continue to support secure commerce around the world.”
Stated in 2 of 8 supplied quarters. Management reported: “We’re well positioned to capture the next wave of digital payments growth and continue to support secure commerce around the world.”” “And we announced a strategic partnership with Corpay to deliver an enhanced suite of corporate cross-border payment solutions.” Operating income was $5.862 billion in 2026-Q3.
“We’re well positioned to capture the next wave of digital payments growth and continue to support secure commerce around the world.””
Continue returning capital to stockholders through regular share repurchases and dividend payments.
Develop and scale services and payment capabilities, including security, digital authentication, agentic commerce, and stablecoin solutions.
Over the trailing year it converted 0.86x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9158).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
10 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.
“While there is uncertainty in the world, we’ve built a diversified, resilient business model and proven strategy that enables us to effectively navigate various economic environments.””
“And we announced a strategic partnership with Corpay to deliver an enhanced suite of corporate cross-border payment solutions.”