The information provided on EL7.AI is for educational and informational purposes only and does not constitute financial advice.
The information provided on EL7.AI is for educational and informational purposes only and does not constitute financial advice.
| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 28 | 30.7x | 20.8x | Bottom tier | |
Growth | 74 | 16.8% | 6.1% | Top tier | |
Quality | 99 | — | — | Top tier | |
Safety | 18 | — | — | Bottom tier | |
Capital Return | 35 | 0.60% | 2.02% | Bottom tier | |
Momentum | 47 | -12.0% | 4.1% | Around median | |
Sentiment | 48 | 25 | 3 | Around median |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Mastercard Incorporated is a leading global payments network that serves as an essential link in the global digital financial system. It generates its revenue primarily through domestic and cross-border transaction processing fees, alongside offering an integrated suite of value-added services and solutions (VAS) that include cybersecurity, fraud prevention, analytics, marketing consulting, and open banking. The company relies on a flexible business model that connects millions of merchants and financial institutions across more than 150 currencies, creating a growing network whose value and attractiveness increase proportionally with the volume of data and financial flows passing through it.
In the first quarter of 2026, the company's financial results showed strong performance that exceeded expectations, supported by continuous international expansion. Quarterly revenue reached $8.4 billion according to EDGAR data, and net income was $3.9 billion, with earnings per share of $4.35 (and $4.60 on an adjusted non-GAAP basis). Net revenue increased by 12% and net income by 15% on a non-GAAP, currency-neutral basis compared to the previous year. This growth was driven by an 8% increase in payment network revenue thanks to domestic and cross-border transaction growth, in parallel with a strong 18% jump in the Value-Added Services and Solutions (VAS) segment, which now represents approximately 40% of the company's total revenue.
The valuation of Mastercard Incorporated's stock aligns with analysts' positive outlook, with a consensus 'Buy' rating and an average price target of $660.43, with targets ranging from a low of $561 to a high of $739. The stock is currently trading below the analysts' average price target, indicating healthy room for future growth based on strong earnings expectations and the acceleration of the share repurchase program, which reflects management's confidence in the company's intrinsic value.
Figures in the text are as of 2026-06-15; the live price is shown at the top of the page.
Agent Pay is an advanced payment system launched by Mastercard to enable AI agents to conduct secure, autonomous financial transactions. The service integrates the verifiable intent protocol, which provides a tamper-resistant record of what the user authorizes, and has been adopted by the FIDO Alliance to establish global security standards in this field. The company has formed strategic partnerships with OpenAI, Google, and Microsoft to embed the service in their solutions, and the service became active on most Mastercard cards worldwide by the first quarter of 2026.
The conflict in the Middle East, which escalated since the end of February 2026, has imposed restrictions on international travel and pressured global energy supplies, directly impacting the company's cross-border travel indicators. Cross-border travel volume growth slowed in the first four weeks of April 2026 to 2% compared to the first-quarter growth of 13%. However, the company assumes in its baseline forecast that the conflict will end in the second quarter of 2026, with flows gradually recovering in the second half of the year thanks to its geographical business diversification.
Mastercard plans to acquire BVNK, a leader in stablecoin and digital asset infrastructure, to facilitate the sending, receiving, and converting of stablecoins. The transaction aims to address interoperability challenges between crypto networks and traditional currencies, particularly in the areas of business-to-business (B2B) cross-border payments and self-directed (Me-to-Me) payments. Additionally, this transaction grants Mastercard critical regulatory licenses and robust compliance tools that enhance its leadership in the future digital economy.
Automated analysis for informational purposes only — not investment advice.
The Value-Added Services and Solutions (VAS) segment achieved strong revenue growth of 18% on a currency-neutral basis in the first quarter of 2026, driven by high demand for digital security and analytics solutions. This growth was supported by the successful integration of Recorded Future, a cybersecurity specialist acquired in 2024, whose joint product is currently used by more than 500 clients. Additionally, Ethoca dispute resolution products grew by approximately 25% year-over-year, reflecting the growing importance of this segment, which represents 40% of the company's total revenue.
Mastercard accelerated the pace of its share repurchases during the first quarter of 2026 due to attractive valuation levels and confidence in its long-term growth. The company repurchased $4.0 billion worth of shares during the first quarter, followed by an additional $1.7 billion in share repurchases during the period extending through April 27, 2026. These repurchases contributed to supporting adjusted non-GAAP earnings per share (EPS) by $0.10 to reach $4.60 in the first quarter of 2026.