Mastercard is evolving into a hybrid digital-traditional finance infrastructure, with 40% of revenue from high-margin, value-added services like AI, cybersecurity, and digital identity. My investment thesis: Mastercard's optionality in stablecoins, AI, and real-time payments is underappreciated, offering rerating potential beyond its 'boring' premium reputation. Risks include regulatory scrutiny and stablecoin disruption, but Mastercard's proactive partnerships and adaptability position it to turn threats into growth opportunities.
PayPal's lower valuation, direct commerce and lower leverage could make it the better buy over Mastercard now.
Mastercard remains a strong, brand-driven business with consistent double-digit revenue and earnings growth, outpacing Visa in growth dynamics. Recent results disappointed some, but seasonality explains quarter-over-quarter declines; year-over-year growth remains robust across all segments. Valuation has outpaced growth, making the risk/reward less attractive; I trimmed my position by 40% to lock in gains.
![]() MA 2 weeks ago | Other | $0.76 Per Share |
![]() MA 3 months ago Paid | Quarterly | $0.76 Per Share |
![]() MA 6 months ago Paid | Quarterly | $0.76 Per Share |
![]() MA 6 months ago Paid | Quarterly | $0.76 Per Share |
![]() MA 9 months ago Paid | Quarterly | $0.66 Per Share |
6 Aug 2025 (In 1 week) Date | | 4.02 Cons. EPS | - EPS |
31 Jul 2025 (In 6 days) Date | | 4.02 Cons. EPS | - EPS |
29 Jul 2025 (In 4 days) Date | | - Cons. EPS | - EPS |
29 Apr 2025 Date | | - Cons. EPS | - EPS |
30 Jan 2025 Date | | 3.71 Cons. EPS | 3.82 EPS |
![]() MA 2 weeks ago | Other | $0.76 Per Share |
![]() MA 3 months ago Paid | Quarterly | $0.76 Per Share |
![]() MA 6 months ago Paid | Quarterly | $0.76 Per Share |
![]() MA 6 months ago Paid | Quarterly | $0.76 Per Share |
![]() MA 9 months ago Paid | Quarterly | $0.66 Per Share |
6 Aug 2025 (In 1 week) Date | | 4.02 Cons. EPS | - EPS |
31 Jul 2025 (In 6 days) Date | | 4.02 Cons. EPS | - EPS |
29 Jul 2025 (In 4 days) Date | | - Cons. EPS | - EPS |
29 Apr 2025 Date | | - Cons. EPS | - EPS |
30 Jan 2025 Date | | 3.71 Cons. EPS | 3.82 EPS |
Financial - Credit Services Industry | Financial Services Sector | Michael Miebach CEO | BVL Exchange | US57636Q1040 ISIN |
US Country | 35,300 Employees | 9 Jul 2025 Last Dividend | 22 Jan 2014 Last Split | 25 May 2006 IPO Date |
Mastercard Incorporated, headquartered in Purchase, New York, and founded in 1966, positions itself as a leading technology company within the global payments industry. The company is dedicated to processing transactions and offering a comprehensive suite of payment-related products and services not only in the United States but also on an international scale. Mastercard stands out for its ability to facilitate seamless payment experiences for a diverse array of stakeholders, including account holders, merchants, financial institutions, digital partners, businesses, and governmental organizations. Through innovative solutions, the company aims to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible.