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Upturn AI SWOT - About
MA 
Mastercard Inc (MA)
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Upturn Advisory Summary
02/27/2025: MA (3-star) is a STRONG-BUY. BUY since 22 days. Profits (3.19%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Analysis of Past Performance
Type Stock | Historic Profit 34.52% | Avg. Invested days 60 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 02/27/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 499.05B USD | Price to earnings Ratio 39.44 | 1Y Target Price 618.24 |
Price to earnings Ratio 39.44 | 1Y Target Price 618.24 | ||
Volume (30-day avg) 2576365 | Beta 1.1 | 52 Weeks Range 427.65 - 582.23 | Updated Date 04/2/2025 |
52 Weeks Range 427.65 - 582.23 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 0.55% | Basic EPS (TTM) 13.88 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 45.71% | Operating Margin (TTM) 56.32% |
Management Effectiveness
Return on Assets (TTM) 22.72% | Return on Equity (TTM) 190.56% |
Valuation
Trailing PE 39.44 | Forward PE 34.48 | Enterprise Value 509535232625 | Price to Sales(TTM) 17.72 |
Enterprise Value 509535232625 | Price to Sales(TTM) 17.72 | ||
Enterprise Value to Revenue 18.09 | Enterprise Value to EBITDA 30.33 | Shares Outstanding 904889984 | Shares Floating 903676354 |
Shares Outstanding 904889984 | Shares Floating 903676354 | ||
Percent Insiders 0.52 | Percent Institutions 90.15 |
Analyst Ratings
Rating 4.33 | Target Price 567.09 | Buy 10 | Strong Buy 21 |
Buy 10 | Strong Buy 21 | ||
Hold 8 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Mastercard Inc
Company Overview
History and Background
Mastercard Inc. was founded as Interbank Card Association (ICA) in 1966 by several banks to compete with BankAmericard (Visa). It rebranded as Mastercard in 1979. Over time, it has expanded globally and diversified its services beyond credit cards.
Core Business Areas
- Payment Solutions: Transaction processing, payment network services, and related offerings for merchants, financial institutions, and governments.
- Data & Services: Data analytics, fraud prevention, loyalty solutions, and consulting services to help clients optimize their payment strategies and enhance customer experiences.
- Cyber & Intelligence Solutions: Cyber security, risk management, security management solutions for businesses to protect against a digital attack.
Leadership and Structure
Michael Miebach serves as the Chief Executive Officer. The organizational structure consists of various business units, including regional operations and functional departments such as technology, marketing, and finance. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Credit Cards: Mastercard credit cards are used globally, generating substantial revenue from transaction fees. Visa is a primary competitor. Market share data: See 'Market Share Comparison' section.
- competitors: Visa, American Express, Discover
- Debit Cards: Mastercard debit cards provide access to funds directly from bank accounts. Visa is a primary competitor. Market share data: See 'Market Share Comparison' section.
- competitors: Visa, American Express, Discover
- Prepaid Cards: Mastercard prepaid cards offer a convenient and secure way to manage expenses. Competitors include Visa and American Express.
- competitors: Visa, American Express
- Digital Payments: Mastercard Masterpass, digital wallets and services that facilitate online and mobile payments. Competitors include Visa, Apple Pay, and PayPal.
- competitors: Visa, American Express, PayPal
Market Dynamics
Industry Overview
The payment processing industry is experiencing rapid growth driven by the increasing adoption of digital payments, e-commerce, and mobile technology. Competition is intense with established players, fintech startups, and emerging technologies.
Positioning
Mastercard Inc. holds a leading position in the global payment processing industry. Its competitive advantages include its established brand reputation, extensive network, technological innovation, and strategic partnerships.
Total Addressable Market (TAM)
The global digital payments market is estimated to reach trillions of dollars. Mastercard is well-positioned to capture a significant share of this TAM through its diversified product portfolio and global reach.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive global network
- Technological innovation
- Diversified product portfolio
- Established relationships with financial institutions
Weaknesses
- Dependence on the overall economic climate
- Exposure to cybersecurity threats
- Regulatory scrutiny
- Interchange fee regulations
Opportunities
- Expanding into emerging markets
- Developing new digital payment solutions
- Acquiring or partnering with fintech companies
- Leveraging data analytics to enhance customer experiences
- Increased adoption of contactless payments
Threats
- Increased competition from fintech startups
- Disruptive technologies such as blockchain
- Cybersecurity breaches and data privacy concerns
- Economic downturns
- Changes in regulatory landscape
Competitors and Market Share
Key Competitors
- V
- AXP
- PYPL
Competitive Landscape
Mastercard benefits from strong brand recognition and a global network. However, it faces intense competition from Visa and emerging fintech companies. Mastercard advantages are that it has relationships and technology. However it could be slower to innovate compared to start ups
Major Acquisitions
Ekata
- Year: 2021
- Acquisition Price (USD millions): 850
- Strategic Rationale: To enhance Mastercard's identity verification capabilities and fraud prevention services.
Nets A/S's account-to-account payment business
- Year: 2021
- Acquisition Price (USD millions): 3190
- Strategic Rationale: To expand Mastercard's presence in the European payments market and enhance its real-time payment capabilities.
Growth Trajectory and Initiatives
Historical Growth: Mastercard has experienced substantial growth in recent years, driven by the increasing adoption of digital payments and its strategic initiatives.
Future Projections: Analysts expect Mastercard to continue to grow its revenue and earnings in the coming years. Check analyst consensus.
Recent Initiatives: Recent initiatives include investments in digital payment solutions, partnerships with fintech companies, and expansion into new markets.
Summary
Mastercard is a strong player in the digital payments industry, benefiting from its brand, global network, and technology. It needs to innovate quickly. The company is well positioned for growth but faces increasing competition and regulatory scrutiny which would impact margins.
Similar Companies
AXP
American Express Company
AXP
American Express Company
DFS
Discover Financial Services
DFS
Discover Financial Services
FIS
Fidelity National Information Services Inc
FIS
Fidelity National Information Services Inc
GPN
Global Payments Inc
GPN
Global Payments Inc
V
Visa Inc. Class A
V
Visa Inc. Class A
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Market research reports
Disclaimers:
This analysis is based on publicly available information and analyst estimates. It is not financial advice, and investors should conduct their own research before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Mastercard Inc
Exchange NYSE | Headquaters Purchase, NY, United States | ||
IPO Launch date 2006-05-25 | CEO, President & Director Mr. Michael Miebach | ||
Sector Financial Services | Industry Credit Services | Full time employees 35300 | Website https://www.mastercard.com |
Full time employees 35300 | Website https://www.mastercard.com | ||
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. The company offers integrated products and value-added services for account holders, merchants, financial institutions, digital partners, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid programs services; consumer bill payment services; and commercial credit, debit, and prepaid payment products and solutions. It also provides solutions that enable businesses or governments to make payments to businesses, including Virtual Card Number, which is generated dynamically from a physical card and leverages the credit limit of the funding account; and a platform to optimize supplier payment enablement campaigns for financial institutions. In addition, the company offers Mastercard Move, which partners with digital messaging and payment platforms to enable consumers to send money directly within applications to other consumers; and partners with central banks, fintechs and financial institutions to help governments and nonprofits, as well as enables various cross-border payment flows. Further, it provides security solutions; personalization, issuer and merchant loyalty, and marketing services; advanced analytics, business intelligence, economic and location-based insights, payments consulting, and operational insights services; processing and gateway solutions; and open banking services. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus names. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.
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