Stock·NYSE·Financial Services
Mastercard Inc (MA)
- Market cap
- $540.87B
- P/E
- 33.90
- Dividend yield
- 0.56%
- Street target
- $668.00median of 40 analysts
- 52-week range
- $464.52 $622.46
The short version
Where MA stands today, in four lines, and what CleaRank Financial AI makes of it.
MA at a glance
Mastercard Inc (MA): Buy, 72/100 on CleaRank's AI score.
- Trend Up: the price is above both its 50- and 200-day moving averages ($575.61 and $533.00).
- Earnings MA beat estimates in 8 of its last 8 quarters, yet fell the next day after 6 of those beats.
- Insiders Insiders sold $117.9M and made no open-market purchases over the last 18 months.
- Valuation P/E of 33.9 against 16.5 for the Financial Services sector: a premium to peers (+105%).
Figures as of October 17, 2026.
CleaRank Financial AI
CleaRank rates Mastercard Inc (MA) a Buy with a model score of 72/100.
Trend is the biggest contributor: the price is 15.83% above its 200-day average and 7.26% above its 50-day average, while the 50-day average is 8.00% above the 200-day. Valuation is the biggest drag, with the P/E of 33.90 sitting 105.5% above the sector median, a premium to peers, and the P/S of 15.39 sitting 305.0% above the sector median. The 50-day average is $575.61 and the 200-day is $533.00. The price rose 12.28% over the past year.
Only on CleaRank
Figures we compute ourselves from MA's own price, earnings and insider-filing history. Tap one to see it in context.
Price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
4/4Price above its 50-day average ›
The price of $617.38 is 7.3% above the 50-day simple moving average of $575.61.Price above its 200-day average ›
The price is 15.8% above the 200-day simple moving average of $533.00.50-day average above the 200-day ›
The 50-day average ($575.61) is 8.0% above the 200-day average ($533.00), the arrangement of a rising longer-term trend.In the upper half of its 52-week range ›
The price sits at 97% of its 52-week range, between $464.52 and $622.46.
MA share price
Pick a period: each tab shows how far MA has moved over it, to the last close.
Today's trading
Where MA sits inside today's range and its 52-week range.
Fundamentals
Valuation against the sector, and the revenue and earnings behind it.
Valuation and quality checks
3/5P/E below the sector median ›
The trailing P/E of 33.90 is 105.5% above the Financial Services median of 16.5.P/S below the sector median ›
The price-to-sales ratio of 15.39 is 305.0% above the sector median of 3.8.Profitable over the last 12 months ›
Net income over the last 12 months was $16.3B on revenue of $35.1B, a net margin of 46.3%.Beat estimates in most recent reports ›
MA beat the EPS estimate in 8 of its last 8 reports.Pays a dividend ›
The trailing dividend yield is 0.56%, or $3.48 a share a year.
Key statistics
The headline figures for MA.
As of October 17, 2026, MA trades at $617.38, with a market value of $540.87B, a P/E ratio of 33.90 and a dividend yield of 0.56%.
What the numbers say
CleaRank Financial AI's reading of MA's valuation, growth and risks.
On earnings, MA is valued at 33.90 times, against a median of 16.5 for Financial Services: a premium to peers, with the P/E 105.5% above that median. MA trades at 15.39 times its sales, 305.0% above the sector median of 3.8. For scale, MA carries a market capitalisation of $540.9B.
With revenue growth of 14.10%, MA is 2.4 percentage points faster than the sector median of 11.7%. MA turns sales into profit at a net margin of 46.34% and an operating margin of 61.11%, alongside a return on equity of 241.20%, above the sector median of 13.8%. The balance sheet and payout round out the picture, with debt-to-equity of 4.40 and a trailing dividend yield of 0.56% ($3.48 a share a year).
The July 30, 2026 report showed EPS of $5.04, against the $4.78 that analysts expected, a beat of 5.44%. Even so, the share price moved the other way, falling 0.74% in the following session.
MA has beaten the EPS estimate in all 8 of its recent reports, but beats have not guaranteed gains: the stock fell the next day after 6 of them. Looking ahead, analysts expect EPS of $19.93 this fiscal year (growth of 17.2%) and $23.03 the year after (growth of 15.6%).
The P/E of 33.90, 105.5% above the sector median, puts MA at a premium to peers, so weaker results would meet a higher bar. On a typical day the price of MA shifts by 1.12%, the 30-day standard deviation of its daily returns. Insiders sold $117.9M over the last 18 months and bought none on the open market, though sales of this kind are often planned in advance and say less than purchases would.
MA against the Financial Services sector
How MA compares with the median Financial Services stock CleaRank tracks.
Price to earnings vs sector: MA trades at a significant premium to sector peers (+105%), suggesting market expectations for superior growth or market position.
Return vs XLF: Since May 6, 2025, MA has gained 10.5% against a gain of 12.5% for XLF.
Performance against XLF
MA and the Financial Services sector fund over the same days.
Revenue and earnings
How much MA sells, and how much of it becomes profit.
Revenue growth: Revenue grew 16.4% in FY2025 to $32.8B, from $28.2B a year earlier.
Profit margin: The net margin was 45.6% in FY2025, down from 45.7% the year before.
Profitable: MA earned $15.0B in FY2025.
Earnings reality check
Did MA beat what analysts expected, and how did the stock react?
Earnings record: MA beat the analyst estimate in 8 of the last 8 quarters.
Market reaction: The stock fell in the first session after 6 of those 8 beats, so a beat has not been enough on its own.
| Report | Estimate | Actual | Surprise | First session | 5 sessions |
|---|---|---|---|---|---|
| Jul 30, 2026after close | $4.78 | $5.04 | +5.44% | -0.74% | -0.24% |
| Apr 30, 2026after close | $4.41 | $4.60 | +4.31% | -1.48% | -0.39% |
| Jan 29, 2026after close | $4.24 | $4.76 | +12.26% | -0.91% | +1.50% |
| Oct 30, 2025after close | $4.31 | $4.38 | +1.62% | -0.31% | -0.07% |
| Jul 31, 2025after close | $4.02 | $4.15 | +3.23% | -1.16% | -0.93% |
| May 1, 2025after close | $3.56 | $3.73 | +4.78% | +2.33% | +3.75% |
| Jan 30, 2025after close | $3.69 | $3.82 | +3.52% | -1.87% | +0.20% |
| Oct 31, 2024after close | $3.75 | $3.89 | +3.73% | +1.70% | +3.66% |
As of October 17, 2026, MA has beaten the analyst EPS estimate in 8 of its last 8 reported quarters and fell in the first trading session after 6 of those beats; its latest report, on July 30, 2026, came in 5.44% above the estimate and the stock moved -0.74% in the first session.
The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.
AI analysis and technicals
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
2/3RSI not overbought or oversold ›
The 14-day RSI is 75.1, in overbought territory.RSI above 50 ›
An RSI of 75.1 is above the 50 midpoint, so buyers have had the upper hand over the last 14 days.MACD line above zero ›
The MACD line is positive, so the 12-day average is above the 26-day average.
CleaRank AI analysis of MA
The score, the reasoning behind it, and what could move the price next.
Mastercard Inc (MA) is in an uptrend. Its price of $617.38 sits 15.83% above the 200-day average of $533.00, and 7.26% above the 50-day average of $575.61. Near the top of its 52-week range, the stock is 0.82% below the high of $622.46 and 32.91% above the low of $464.52. The 50-day average is 8.00% above the 200-day, so the moving averages back up the move instead of working against it.
MA's momentum reads as overbought: the 14-day RSI sits at 75.1, in the overbought zone, and the MACD line is positive. The track record backs that up across every window shown. Over the past three months the price has risen 13.58%, over six months 18.44%, and over the past year 12.28%.
Earnings beat ›
The July 30, 2026 report beat the EPS estimate by 5.44%, and the share price fell 0.74% in the first session after it.
Source: Earnings report, July 30, 2026
Rating reaffirmed ›
Baird kept its Outperform rating on October 9, 2026.
Source: Analyst action, Baird, October 9, 2026
- Two levels matter most: the 52-week high of $622.46 above the price, and the 20-day EMA of $584.04 below it.
- With the 14-day RSI at 75.1, the stock is in the overbought zone, and the MACD line is positive. Readings above 70 or below 30 point to stretched momentum.
- The share price fell 0.74% in the first session after the July 30, 2026 report, even though MA beat estimates in 8 of the last 8 reports.
MA's uptrend depends on the price staying above its 50-day average of $575.61 and its 200-day average of $533.00. A close below the 50-day average would be the first sign of that trend weakening. If the price pulls back, the first level it would reach is the 20-day EMA at $584.04.
The next level above the price is the 52-week high of $622.46.
Technical indicators
Momentum and trend for MA, from its daily closes.
As of October 17, 2026, with MA at $617.38, its 14-day RSI is 75.1 (overbought territory), its 50-day simple moving average is $575.61 and its 200-day is $533.00.
Calculated by CleaRank on daily closes as of October 17, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
What MA moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of October 17, 2026, MA's 1-year correlation of daily returns is +0.46 with S&P 500 (SPY), +0.30 with Nasdaq 100 (QQQ), +0.06 with Bitcoin (BTC) and -0.06 with gold (XAU).
What Wall Street expects
The analysts' target range and how their ratings split.
Analysts checks
2/3Most analysts rate it a buy ›
36 of 40 analysts rate it a buy or strong buy, 4 a hold and 0 a sell.Median target above the price ›
The median 12-month target of $668.00 is 8.2% above the price.More buy ratings than three months ago ›
36 of 40 rate it a buy now, against 38 of 41 three months ago.
MA Wall Street View
12-month price targets
Ratings
Recent rating actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Oct 9, 2026 | Baird | Maintains | Outperform |
| Aug 31, 2026 | RBC Capital | Maintains | Outperform |
| Aug 25, 2026 | Wolfe Research | Maintains | Outperform |
| Aug 5, 2026 | Truist Securities | Maintains | Buy |
| Aug 3, 2026 | Cantor Fitzgerald | Maintains | Overweight |
| Jul 31, 2026 | UBS | Maintains | Buy |
As of October 17, 2026, 40 Wall Street analysts cover MA: 36 rate it a buy or strong buy, 4 a hold and 0 a sell or strong sell. Their 12-month price targets range from $550.00 to $740.00, with a median of $668.00, 8.2% above the price of $617.38.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
A trade plan, if you want one
Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.
MA trade plan
Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.
Long entry pick an entry style
Risk management
Profit targets (Based on Conservative Entry)
These levels come from MA's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Risk profile
How much MA tends to move, against the market and on its own.
The long record
MA's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
4/4Average daily move under 2% ›
The price has moved 1.12% on an average day (30-day standard deviation of daily returns).Recovered from its worst fall ›
The worst fall was 34.1%, from February 2020 to March 2020, regained by August 2020.Most 1-year holds ended higher ›
83% of 1-year holding periods in the last 10 years ended with a gain.Beat the S&P 500 since the chart begins ›
$10,000 invested in October 2016 is now worth $64,888, against $42,055 in the S&P 500 (SPY).
MA Drawdowns & Recovery
As of October 17, 2026, MA's worst peak-to-trough fall over the last 10 years with dividends reinvested was -34.1% (February 2020 to March 2020); it regained that peak by August 2020, 5 months after the low, and 83% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into MA in October 2016 is worth now, against the same amount in the S&P 500.
Against the market: MA beat the S&P 500 over this period: $64,888 against $42,055.
A $10,000 investment in MA in October 2016 would be worth about $64,888 today with dividends reinvested, compared with about $42,055 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to MA, and which have not.
Strongest month, January: an average of +5.69%, up in 8 of 10 years.
Weakest month, September: an average of -1.43%, up in 3 of 10 years.
This month, October: has averaged -0.52%, up in 5 of 9 years. Past seasonality does not repeat on schedule.
Over the last 10 years, MA's strongest calendar month has been January (average +5.69%, up in 8 of 10 years) and its weakest September (average -1.43%, up in 3 of 10 years).
Average return for each calendar month over the last 10 years, from weekly closing prices with dividends included.
Long-term scenarios
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in MA, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in MA today could grow to about $26,463 by 2036 in the base case, with a 90th-percentile outcome near $78,929 and a 10th-percentile outcome around $8,872. The simulation models price only; at today's 0.56% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
MA Stock Price Prediction: 2030
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $911 for MA by 2030 in the base case, from $617 today (1.5x over 4 years). The 10th-percentile path ends near $457. These are outcomes of a Monte Carlo simulation run on MA's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $482 | $680 | $961 | |
| 2028 | $460 | $750 | $1,223 | |
| 2029 | $454 | $827 | $1,504 | |
| 2030 | $457 | $911 | $1,819 | |
| 2031 | $464 | $1,004 | $2,175 |
Method: a lognormal simulation of MA's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.
Insider trading
What the people running the company have bought and sold.
MA insider trading
Shares the company's directors and officers bought and sold, from their own filings.
Month by month
Open-market purchases above the line, sales below.
Insider buying: No insider bought MA shares on the open market in the last 18 months. Sales are often planned in advance or cover tax on vesting shares, so they say less than purchases would.
As of October 17, 2026, MA insiders reported 31 open-market sales worth $117.9M and no open-market purchases over the last 18 months; grants and option exercises are not counted.
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Sep 2, 2026 | J. Mehra Sachin
Officer
|
Sell | 3.3K | $1.9M |
| Aug 31, 2026 | Linda Pistecchia Kirkpatrick
Officer
|
Sell | 923 | $547.8K |
| Aug 20, 2026 | J. Mehra Sachin
Officer
|
Sell | 8.4K | $4.9M |
| Aug 19, 2026 | J. Mehra Sachin
Officer
|
Option | 7.4K | $2.6M |
| Aug 17, 2026 | Linda Pistecchia Kirkpatrick
Officer
|
Sell | 1.2K | $673.2K |
| Aug 5, 2026 | Michael Miebach
Chief Executive Officer
|
Sell | 15.4K | $8.8M |
| Aug 5, 2026 | J. Mehra Sachin
Officer
|
Sell | 3.0K | $1.7M |
| Aug 4, 2026 | Linda Pistecchia Kirkpatrick
Officer
|
Sell | 4.3K | $2.4M |
| Aug 4, 2026 | Linda Pistecchia Kirkpatrick
Officer
|
Option | 4.3K | $742.5K |
| Aug 3, 2026 | Michael Miebach
Chief Executive Officer
|
Sell | 33.3K | $19.1M |
| Aug 3, 2026 | Dimitrios Dosis
Officer
|
Grant | 2.3K | - |
| Aug 3, 2026 | Linda Pistecchia Kirkpatrick
Officer
|
Grant | 1.8K | - |
| Aug 3, 2026 | Hai Ling
Chief Financial Officer
|
Grant | 2.7K | - |
| Aug 3, 2026 | Michael Miebach
Chief Executive Officer
|
Option | 26.4K | $6.0M |
| Jul 15, 2026 | Edward Grunde Mclaughlin
Officer
|
Sell | 19.8K | $10.6M |
| Jul 15, 2026 | Sandra A Arkell
Officer
|
Sell | 344 | $185.8K |
| Jul 15, 2026 | Edward Grunde Mclaughlin
Officer
|
Option | 19.8K | $4.5M |
| Jul 7, 2026 | Sandra A Arkell
Officer
|
Sell | 400 | $216.0K |
| Jul 2, 2026 | Rajeev Seshadri
Officer
|
Sell | 6.8K | $3.6M |
| Jul 2, 2026 | Rajeev Seshadri
Officer
|
Option | 4.0K | $1.2M |
| Jul 1, 2026 | Edward Grunde Mclaughlin
Officer
|
Sell | 14.3K | $7.5M |
| Jul 1, 2026 | Edward Grunde Mclaughlin
Officer
|
Option | 14.3K | $2.5M |
| Jun 16, 2026 | Candido Bracher
Director
|
Grant | 509 | - |
| Jun 16, 2026 | Richard K Davis
Director
|
Grant | 509 | - |
| Jun 16, 2026 | Julius Genachowski
Director
|
Grant | 509 | - |
| Jun 16, 2026 | Choon Phong Goh
Director
|
Grant | 509 | - |
| Jun 16, 2026 | Merit E Janow
Director
|
Grant | 684 | - |
| Jun 16, 2026 | Oki Matsumoto
Director
|
Grant | 509 | - |
| Jun 16, 2026 | Youngme E Moon
Director
|
Grant | 509 | - |
| Jun 16, 2026 | Gabrielle Sulzberger
Director
|
Grant | 509 | - |
| Jun 16, 2026 | Harit Talwar
Director
|
Grant | 509 | - |
| Jun 16, 2026 | Lance Darrell Gordon Uggla
Director
|
Grant | 509 | - |
| Feb 27, 2026 | Sandra A Arkell
Officer
|
Grant | 923 | - |
| Feb 27, 2026 | Jon M Huntsman Jr
Officer
|
Grant | 2.0K | - |
| Feb 27, 2026 | Linda Pistecchia Kirkpatrick
Officer
|
Grant | 11.1K | - |
| Feb 27, 2026 | Jill Kramer
Officer
|
Grant | 1.9K | - |
| Feb 27, 2026 | Jorn Lambert
Officer
|
Grant | 7.0K | - |
| Feb 27, 2026 | Hai Ling
Officer
|
Grant | 9.6K | - |
| Feb 27, 2026 | Edward Grunde Mclaughlin
President
|
Grant | 12.8K | - |
| Feb 27, 2026 | Michael Miebach
Chief Executive Officer
|
Grant | 53.7K | - |
| Feb 27, 2026 | Susan W Muigai
Officer
|
Grant | 1.5K | - |
| Feb 27, 2026 | J. Mehra Sachin
Chief Financial Officer
|
Grant | 22.6K | - |
| Feb 27, 2026 | Rajeev Seshadri
Officer
|
Grant | 10.8K | - |
| Feb 27, 2026 | Richard R Verma
Officer
|
Grant | 2.0K | - |
| Feb 27, 2026 | Craig Vosburg
Officer
|
Grant | 17.7K | - |
| Feb 24, 2026 | Hai Ling
Officer
|
Sell | 9.0K | $4.5M |
| Feb 24, 2026 | Hai Ling
Officer
|
Option | 9.0K | $808.3K |
| Feb 5, 2026 | Rima Qureshi
Director
|
Grant | 12.1K | - |
| Dec 1, 2025 | Jill Kramer
Officer
|
Grant | 9.3K | - |
| Nov 12, 2025 | Edward Grunde Mclaughlin
Officer
|
Grant | 3.6K | - |
| Oct 31, 2025 | Julius Genachowski
Director
|
Grant | 45 | - |
| Sep 2, 2025 | J. Mehra Sachin
Chief Financial Officer
|
Sell | 17.3K | $10.2M |
| Sep 2, 2025 | J. Mehra Sachin
Chief Financial Officer
|
Option | 17.3K | $5.3M |
| Aug 22, 2025 | Hai Ling
Officer
|
Sell | 4.5K | $2.7M |
| Aug 22, 2025 | Hai Ling
Officer
|
Option | 4.5K | $404.1K |
| Aug 19, 2025 | J. Mehra Sachin
Chief Financial Officer
|
Sell | 17.8K | $10.5M |
| Aug 19, 2025 | J. Mehra Sachin
Chief Financial Officer
|
Option | 17.8K | $4.3M |
| Aug 5, 2025 | J. Mehra Sachin
Chief Financial Officer
|
Sell | 6.8K | $3.8M |
| Jul 7, 2025 | Julius Genachowski
Director
|
Sell | 312 | $178.0K |
| Jun 30, 2025 | Linda Pistecchia Kirkpatrick
Officer
|
Sell | 958 | $536.5K |
| Jun 27, 2025 | Rajeev Seshadri
Officer
|
Sell | 1.1K | $601.4K |
| Jun 24, 2025 | Linda Pistecchia Kirkpatrick
Officer
|
Sell | 958 | $536.5K |
| Jun 24, 2025 | Julius Genachowski
Director
|
Sell | 310 | $173.9K |
| Jun 24, 2025 | Candido Bracher
Director
|
Grant | 458 | - |
| Jun 24, 2025 | Richard K Davis
Director
|
Grant | 458 | - |
| Jun 24, 2025 | Julius Genachowski
Director
|
Grant | 458 | - |
| Jun 24, 2025 | Choon Phong Goh
Director
|
Grant | 458 | - |
| Jun 24, 2025 | Merit E Janow
Director
|
Grant | 615 | - |
| Jun 24, 2025 | Oki Matsumoto
Director
|
Grant | 458 | - |
| Jun 24, 2025 | Youngme E Moon
Director
|
Grant | 458 | - |
| Jun 24, 2025 | Rima Qureshi
Director
|
Grant | 458 | - |
| Jun 24, 2025 | Gabrielle Sulzberger
Director
|
Grant | 458 | - |
| Jun 24, 2025 | Harit Talwar
Director
|
Grant | 458 | - |
| Jun 24, 2025 | Lance Darrell Gordon Uggla
Director
|
Grant | 458 | - |
| Jun 20, 2025 | Craig Vosburg
Officer
|
Sell | 9.4K | $5.0M |
| Jun 20, 2025 | Rajeev Seshadri
Officer
|
Sell | 949 | $508.5K |
| Jun 20, 2025 | Craig Vosburg
Officer
|
Option | 9.4K | $2.1M |
| Jun 16, 2025 | Rajeev Seshadri
Officer
|
Sell | 3.1K | $1.8M |
| Jun 13, 2025 | Linda Pistecchia Kirkpatrick
Officer
|
Sell | 959 | $549.4K |
| Jun 12, 2025 | Craig Vosburg
Officer
|
Sell | 9.4K | $5.5M |
| Jun 12, 2025 | Craig Vosburg
Officer
|
Option | 9.4K | $2.1M |
| Jun 5, 2025 | Craig Vosburg
Officer
|
Sell | 14.1K | $8.2M |
| Jun 5, 2025 | Craig Vosburg
Officer
|
Option | 9.4K | $2.1M |
| May 15, 2025 | Sandra A Arkell
Officer
|
Sell | 378 | $218.2K |
| May 12, 2025 | Sandra A Arkell
Officer
|
Sell | 450 | $257.5K |
| May 1, 2025 | Richard R Verma
Officer
|
Grant | 1.7K | - |
Source: TwelveData, from SEC Form 4 filings
Questions people ask
Answered from the figures on this page, as of October 17, 2026.