MasterCard MA
$652.70 −$3.22 (-0.49%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $651.35 -0.21%
Open$642.25
Prev close$655.92
Day range$638.01 – $659.59
Volume3.29M
Market cap$568.62B
P/E (TTM)34.2
Dividend yield0.52%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$9.81B+14.0% YoY
Operating profit$5.98B+15.6% YoY
Net profit$4.63B+17.9% YoY
Diluted EPS$5.28+21.7% YoY
Free cash flow$4.76B-10.3% YoY
Operating cash flow$5.09B
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Gross margin78.4%
Operating margin60.1%
Net margin46.7%
Return on equity231.4%
Return on assets30.4%
Return on invested capital59.4%
Current ratio1.01
Liabilities / assets88.4%
Cash & investments$10.46B
Total debt$23.94B
Net cash (debt)-$13.47B
Free cash flow / sales42.5%
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Revenue as Reported | $9.81B | $9.28B | $8.40B | $32.79B | $8.81B |
| Total Operating Revenue | $9.81B | $9.28B | $8.40B | $32.79B | $8.81B |
| Cost of Revenue | $2.03B | $1.95B | $2.04B | $7.25B | $1.82B |
| Gross Profit | $7.78B | $7.33B | $6.36B | $25.54B | $6.99B |
| Operating Expense | $1.80B | $1.60B | $1.40B | $6.03B | $1.86B |
| Selling and Admin Expenses | $1.48B | $1.29B | $1.10B | $4.88B | $1.56B |
| -Selling & Marketing Expense | $252.00M | $217.00M | $153.00M | $929.00M | $319.00M |
| -General & Admin Expense | $1.22B | $1.08B | $944.00M | $3.95B | $1.24B |
| Depreciation & Amortization & Depletion | $326.00M | $309.00M | $299.00M | $1.14B | $297.00M |
| -Depreciation & Amortization | $326.00M | $309.00M | $299.00M | $1.14B | $297.00M |
| Operating Profit | $5.98B | $5.73B | $4.97B | $19.51B | $5.13B |
| Net Non-Operating Interest Income (Expense) | -$250.00M | -$218.00M | -$185.00M | -$722.00M | -$159.00M |
| Non-Operating Interest Expense | $250.00M | $218.00M | $185.00M | $722.00M | $159.00M |
| Other Income (Expense) | $13.00M | -$24.00M | $32.00M | -$214.00M | -$94.00M |
| Gain on Sale of Security | $41.00M | $27.00M | -$43.00M | $124.00M | -$63.00M |
| Special Income (Charges) | -$74.00M | -$82.00M | $0.00 | -$504.00M | -$174.00M |
| -Less:Other Special Charges | $74.00M | $82.00M | – | $504.00M | $174.00M |
| Other Non-Operating Income (Expenses) | $46.00M | $31.00M | $75.00M | $166.00M | $143.00M |
| Pretax Profit | $5.74B | $5.49B | $4.81B | $18.58B | $4.88B |
| Tax | $1.11B | $1.10B | $930.00M | $3.61B | $816.00M |
| Net Profit | $4.63B | $4.39B | $3.88B | $14.97B | $4.06B |
| Profit from Continuing Operations | $4.63B | $4.39B | $3.88B | $14.97B | $4.06B |
| Net Income to Parent Company | $4.63B | $4.39B | $3.88B | $14.97B | $4.06B |
| Net Income to Common Stockholders | $4.63B | $4.39B | $3.88B | $14.97B | $4.06B |
| Basic EPS | $5.29 | $4.98 | $4.35 | $16.54 | $4.53 |
| Diluted EPS | $5.28 | $4.97 | $4.35 | $16.52 | $4.52 |
| Dividend Per Share | $0.87 | $0.87 | $0.87 | $3.04 | $0.76 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $58.15B | $57.69B | $52.45B | $54.16B | $54.16B |
| Total Current Assets | $24.48B | $26.52B | $22.50B | $23.56B | $23.56B |
| Cash and Cash Equivalents & Short-Term Investments | $10.46B | $11.61B | $8.22B | $10.90B | $10.90B |
| -Cash and Cash Equivalents | $10.15B | $11.29B | $7.91B | $10.57B | $10.57B |
| -Short Term Investments | $317.00M | $318.00M | $313.00M | $332.00M | $332.00M |
| Receivables | $5.26B | $5.05B | $4.72B | $4.61B | $4.61B |
| -Accounts Receivable | $5.26B | $5.05B | $4.72B | $4.61B | $4.61B |
| Restricted Cash | $2.80B | $2.68B | $2.86B | $2.68B | $2.68B |
| Other Current Assets | $5.96B | $7.18B | $6.70B | $5.37B | $5.37B |
| Total Non-Current Assets | $33.67B | $31.17B | $29.95B | $30.60B | $30.60B |
| Net PPE | $2.64B | $2.54B | $2.35B | $2.30B | $2.30B |
| -Gross PPE | $5.53B | $5.42B | $5.17B | $5.06B | $5.06B |
| -Accumulated Depreciation | -$2.88B | -$2.88B | -$2.82B | -$2.76B | -$2.76B |
| Investments and Advances | $1.67B | $1.67B | $1.68B | $1.71B | $1.71B |
| -Available for Sale Securities | $1.67B | $1.67B | $1.68B | $1.71B | $1.71B |
| Non Current Accounts Receivables | $1.13B | $1.13B | $1.08B | $1.10B | $1.10B |
| Goodwill and Other Intangible Assets | $16.51B | $14.96B | $15.02B | $15.11B | $15.11B |
| -Goodwill | $10.80B | $9.50B | $9.53B | $9.56B | $9.56B |
| -Other Intangible Assets | $5.70B | $5.47B | $5.50B | $5.55B | $5.55B |
| Non-Current Deferred Assets | $1.57B | $1.44B | $1.40B | $1.57B | $1.57B |
| Other Non-Current Assets | $10.15B | $9.43B | $8.43B | $8.81B | $8.81B |
| Total Liabilities | $51.41B | $52.09B | $45.73B | $46.41B | $46.41B |
| Total Current Liabilities | $24.20B | $25.00B | $22.93B | $22.76B | $22.76B |
| Payables | $2.56B | $2.51B | $2.19B | $1.91B | $1.91B |
| -Accounts Payable | $1.08B | $1.13B | $1.03B | $999.00M | $999.00M |
| -Total Tax Payable | $1.47B | $1.38B | $1.16B | $914.00M | $914.00M |
| Current Accrued Expenses | $12.74B | $11.95B | $11.51B | $13.16B | $13.16B |
| Short-Term Debt and Capital Lease Obligation | $1.75B | $2.46B | $1.75B | $749.00M | $749.00M |
| -Current Debt | $1.75B | $2.46B | $1.75B | $749.00M | $749.00M |
| Other Current Liabilities | $7.15B | $8.09B | $7.49B | $6.94B | $6.94B |
| Total Non-Current Liabilities | $27.21B | $27.08B | $22.79B | $23.65B | $23.65B |
| Long Term Debt and Capital Lease Obligation | $22.19B | $22.18B | $17.21B | $18.25B | $18.25B |
| -Long Term Debt | $22.19B | $22.18B | $17.21B | $18.25B | $18.25B |
| Non-Current Deferred Liabilities | $341.00M | $315.00M | $331.00M | $307.00M | $307.00M |
| Other Non-Current Liabilities | $4.68B | $4.58B | $5.25B | $5.09B | $5.09B |
| Total Equity | $6.74B | $5.61B | $6.72B | $7.75B | $7.75B |
| Stockholders' Equity | $6.75B | $5.61B | $6.72B | $7.74B | $7.74B |
| Capital Stock | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| -Common Stock | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Additional Paid-In Capital | $7.31B | $7.07B | $6.84B | $6.91B | $6.91B |
| Retained Earnings | $95.64B | $91.77B | $88.15B | $85.04B | $85.04B |
| Less: Treasury Stock | $95.20B | $92.23B | $87.34B | $83.22B | $83.22B |
| Gains/Losses Not Affecting Retained Earnings | -$994.00M | -$1.00B | -$928.00M | -$981.00M | -$981.00M |
| Minority Interests | -$13.00M | -$5.00M | $3.00M | $9.00M | $9.00M |
Cash flow
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Operating Cash Flow | $5.09B | $3.77B | $3.00B | $17.65B | $5.00B |
| Net cash flow from continuing operations | $5.09B | $3.77B | $3.00B | $17.65B | $5.00B |
| Net Income from Continuing Operations | $4.63B | $4.39B | $3.88B | $14.97B | $4.06B |
| Gain/Loss from Continuing Operations | $5.00M | $2.00M | $66.00M | $88.00M | $104.00M |
| Depreciation & Depletion & Amortization | $326.00M | $309.00M | $299.00M | $1.14B | $297.00M |
| Deferred Tax | -$119.00M | -$83.00M | $193.00M | $57.00M | -$20.00M |
| Other Non-Cash Items | $777.00M | $757.00M | $637.00M | $2.24B | $612.00M |
| Change in Working Capital | -$729.00M | -$1.79B | -$2.21B | -$1.44B | -$163.00M |
| -Change in Receivables | -$213.00M | -$338.00M | -$110.00M | -$733.00M | -$469.00M |
| -Change in Prepaid Assets | -$853.00M | -$1.77B | -$2.06B | -$3.39B | -$449.00M |
| -Change in Payables and Accrued Expense | $810.00M | $816.00M | -$408.00M | $1.55B | $928.00M |
| -Change in Other Current Assets | $777.00M | -$308.00M | -$437.00M | $202.00M | $216.00M |
| -Change in Other Current Liabilities | -$1.01B | $615.00M | $135.00M | $89.00M | -$13.00M |
| -Change In Other Working Capital | -$242.00M | -$801.00M | $667.00M | $834.00M | -$376.00M |
| Net cash flow from investing | -$1.72B | -$517.00M | -$362.00M | -$1.36B | -$421.00M |
| Net Cash Flow from Continuing Investing Activities | -$1.72B | -$517.00M | -$362.00M | -$1.36B | -$421.00M |
| Capital Expenditure | -$106.00M | -$187.00M | -$181.00M | -$726.00M | -$178.00M |
| Net PPE Purchase and Sale | -$222.00M | -$291.00M | -$154.00M | -$489.00M | -$112.00M |
| Net Investment Purchase and Sale | -$19.00M | -$13.00M | $13.00M | -$149.00M | -$157.00M |
| Net Other Investing Changes | -$5.00M | -$26.00M | -$40.00M | $2.00M | $26.00M |
| Financing Cash Flow | -$4.39B | -$35.00M | -$5.01B | -$14.18B | -$4.19B |
| Net Cash Flow from Continuing Financing Activities | -$4.39B | -$35.00M | -$5.01B | -$14.18B | -$4.19B |
| Net Issuance Payments Of Debt | -$702.00M | $5.68B | $0.00 | $492.00M | $0.00 |
| Net Common Stock Issuance | -$2.96B | -$4.90B | -$4.04B | -$11.73B | -$3.56B |
| Cash Dividends Paid | -$763.00M | -$771.00M | -$777.00M | -$2.76B | -$684.00M |
| Proceeds from Stock Option Exercised | $44.00M | $62.00M | $11.00M | $203.00M | $64.00M |
| Net Other Financing Charges | -$4.00M | -$108.00M | -$204.00M | -$391.00M | -$8.00M |
| Ending Cash Balance | $12.94B | $13.98B | $10.76B | $13.25B | $13.25B |
| Net Change in Cash | -$1.02B | $3.22B | -$2.37B | $2.11B | $395.00M |
| Beginning Cash Balance | $13.98B | $10.76B | $13.25B | $10.81B | $12.85B |
| Effect of Exchange Rate Changes | -$11.00M | -$10.00M | -$116.00M | $333.00M | $8.00M |
| Free Cash Flow | $4.76B | $3.30B | $2.66B | $16.43B | $4.71B |
| Net Business Purchase and Sale | – | – | – | $0.00 | $0.00 |
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