Keuangan Mastercard Incorporated (MA)
NYSE · Financial Services · Financial - Credit Services · Karyawan: 39.800 · CEO: Michael Miebach
- Harga
- $638,01 +0,36%
- Kapitalisasi pasar
- $559 M
- Nilai perusahaan
- $573 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-29
- Laporan berikutnya
- 2027-01-28 Estimasi EPS: $5,11
Pendapatan (TTM)$36,3 M+15,3% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)58,8%-0,4 poin vs tahun laluLaba operasional: $21,3 M
Laba bersih (TTM)$17 M+19,0% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$15,4 M-5,4% vs tahun laluCapex: $1,43 M
EPS dilusian (TTM)$19,12+22,3% vs tahun laluJumlah 4 kuartal terakhir
Kas neto-$13,5 M-61,7% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $559 M EV $573 M
- Pendapatan
- $36,3 M 12 bulan terakhir
- Pertumbuhan pendapatan
- +14% Konsensus FY2026
- Margin laba
- 46,7% Laba bersih / pendapatan, TTM
- P/E
- 33,3× Forward 31,9× (FY2026)
- P/S
- 15,4× Harga / penjualan, TTM
- EV / EBITDA
- 24,9× TTM
- Arus kas bebas
- $15,4 M 12 bulan terakhir
- Laba bersih
- $17 M 12 bulan terakhir
- Estimasi pendapatan
- $37,4 M Konsensus FY2026
- Laba
- 2027-01-28 Estimasi pendapatan: $9,94 M
- Dividen
- $3,48 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Laporan terakhir (2026-10-29): pendapatan melampaui 1,5%, EPS melampaui 2,7%Pendapatan $9,81 M vs $9,66 M yang diharapkan (+1,5%); EPS $5,31 vs $5,17 (+2,7%).
- Pertumbuhan pendapatan melambat: 14,0% yoyPendapatan Q3 '26: $9,81 M, rata-rata empat kuartal sebelumnya: 16,1%.
- Margin operasional 58,8% (TTM), dibanding tahun lalu: -0,4 poinLaba operasional tumbuh 14,5%, pendapatan tumbuh 15,3%.
- Capex: 3,9% dari pendapatan (tahun lalu 3,7%)$1,43 M diinvestasikan dalam 4 kuartal terakhir (+21,8% dibanding tahun sebelumnya). Arus kas bebas: $15,4 M = 91,0% dari laba bersih.
- $18,4 M dikembalikan ke pemegang saham = 119,5% dari arus kas bebasBuyback: $15,5 M (tahun lalu $11,6 M), dividen: $3 M, kompensasi saham: $637 jt (TTM). Lebih besar dari arus kas bebas: dibayar dari kas atau utang.
- Jumlah saham dilusian turun dalam setahun: 3,2%Saham dilusian pada Q3 '26: 876 jt, setahun sebelumnya: 905 jt.
- Utang neto: $13,5 MKas + investasi jangka pendek: $10,5 M, utang termasuk sewa: $23,9 M; tahun lalu utang neto: $8,34 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $9,81 M | $8,6 M | +14,0% |
| Margin kotor | 100,0% | 100,0% | 0,0 poin |
| Laba operasional | $5,86 M | $5,17 M | +13,4% |
| Margin operasional | 59,8% | 60,1% | -0,3 poin |
| Laba bersih | $4,63 M | $3,93 M | +17,9% |
| EPS dilusian | $5,28 | $4,34 | +21,7% |
| Arus kas operasional | $5,09 M | $5,66 M | -10,2% |
| Capex | $328 jt | $359 jt | -8,6% |
| Arus kas bebas | $4,76 M | $5,3 M | -10,3% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $199 jt | $177 jt | +12,4% |
Dilaporkan vs konsensus
2026-10-29| Aktual | Konsensus | vs konsensus | |
|---|---|---|---|
| Pendapatan | $9,81 M | $9,66 M | +1,5% |
| EPS (basis konsensus) | $5,31 | $5,17 | +2,7% |
Dari laporan 2026-10-29 untuk Q3 '26: pendapatan dan EPS yang diperkirakan analis (sering disesuaikan), sehingga bisa berbeda dari EPS laporan keuangan di atas.
EPS vs konsensus
8 laporan terakhirPendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q3 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Payment Network | $5,75 M | +11,0% | 58,6% | $21,1 M | +11,1% | |
| Value-Added Services And Solutions | $4,06 M | +18,6% | 41,4% | $15,2 M | +21,7% |
Pendapatan per wilayah
porsi dari total| Segmen | Q3 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| International Markets | $5,62 M | +13,5% | 57,3% | $20,7 M | +15,1% | |
| North America | $4,19 M | +14,8% | 42,7% | – | – |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $16,9 M
- Capex
- -$1,43 M
- Buyback
- -$15,5 M
- Dividen
- -$3 M
- Akuisisi
- -$1,37 M
- Utang neto diterbitkan
- $4,98 M
- Kompensasi berbasis saham
- $637 jt
- Arus kas bebas
- $15,4 M
- Dikembalikan ke pemegang saham / FCF
- 119,5%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 33,3× | 36,6× | 33,9× – 40,9× |
| EV / EBITDA | 24,9× | 28,1× | 25,3× – 31,5× |
| EV / Penjualan | 15,8× | 16,9× | 15,5× – 19,1× |
| Harga / FCF | 36,2× | 34,4× | 31,2× – 41,0× |
| Harga / Nilai buku | 82,7× | 60,3× | 48,6× – 75,1× |
| Imbal hasil FCF | 2,8% | 2,9% | 2,4% – 3,2% |
| Imbal hasil modal yang diinvestasikan | 48,4% | 42,9% | 33,6% – 47,4% |
| Imbal hasil ekuitas | 252,9% | 166,0% | 118,8% – 198,5% |
Analis
Target konsensus $682,88 (+7,0%)
rentang $597,00 – $740,00 · peringkat Buy
Beli kuat1
Beli51
Tahan13
Jual0
Jual kuat0
Prospek
Konsensus analis untuk tahun fiskal mendatang dan implikasinya pada harga saat ini.
Estimasi konsensus
| Tahun fiskal | Pendapatan | Pertumbuhan | EPS | Pertumbuhan | P/E pada harga saat ini | Analis (EPS) |
|---|---|---|---|---|---|---|
| FY2026 | $37,4 M | +13,9% | $20,03 | +21,2% | 31,9× | 24 |
| FY2027 | $42,1 M | +12,6% | $23,16 | +15,6% | 27,5× | 25 |
| FY2028 | $47,1 M | +12,0% | $26,87 | +16,0% | 23,7× | 17 |
| FY2029 | $52,9 M | +12,2% | $31,13 | +15,9% | 20,5× | 12 |
| FY2030 | $57,3 M | +8,4% | $34,86 | +12,0% | 18,3× | 7 |
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 265 angka yang ditandai Mastercard Incorporated dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| Accounts Payable, Current | $1,08 M | $935 jt | +15,8% | $999 jt | $929 jt | +7,5% |
| Accounts Receivable, after Allowance for Credit Loss, Current | $5,26 M | $4,25 M | +23,8% | $4,61 M | $3,77 M | +22,2% |
| Accrued Liabilities, Current | $14 M | $12 M | +16,5% | $13,3 M | $10,4 M | +27,7% |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $2,88 M | $2,66 M | +8,5% | $2,76 M | $2,39 M | +15,2% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$994 jt | -$935 jt | -6,3% | -$981 jt | -$1,43 M | +31,5% |
| Additional Paid in Capital | $7,31 M | $6,76 M | +8,2% | $6,91 M | $6,44 M | +7,2% |
| Amortization of Intangible Assets | – | – | – | $760 jt | $523 jt | +45,3% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $239 jt | $195 jt | +22,6% | $509 jt | $572 jt | -11,0% |
| Assets | $58,1 M | $53,3 M | +9,1% | $54,2 M | $48,1 M | +12,6% |
| Assets, Current | $24,5 M | $23,2 M | +5,4% | $23,6 M | $19,7 M | +19,4% |
| Cash and Cash Equivalents, at Carrying Value | $10,1 M | $10,3 M | -1,6% | $10,6 M | $8,44 M | +25,2% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $12,9 M | $12,8 M | +0,8% | $13,2 M | $10,8 M | +22,6% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$1,03 M | $1,27 M | -181,1% | $2,44 M | $343 jt | +611,4% |
| Common Stock, Dividends, Per Share, Declared | $0,87 | $0,76 | +14,5% | $3,15 | $2,74 | +15,0% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | $4,64 M | $3,91 M | +18,6% | $15,4 M | $12,5 M | +23,0% |
| Contract with Customer, Liability, Current | – | – | – | $1,57 M2022-12-31 | $1,87 M | -16,3% |
| Contract with Customer, Liability, Revenue Recognized | $1,11 M | $838 jt | +32,7% | $3,5 M | $2,8 M | +25,0% |
| Current Federal Tax Expense (Benefit) | – | – | – | $1,27 M | $1,09 M | +15,7% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $2,49 M | $1,67 M | +48,9% |
| Current Income Tax Expense (Benefit) | – | – | – | $3,55 M | $2,91 M | +22,2% |
| Current State and Local Tax Expense (Benefit) | – | – | – | -$198 jt | $144 jt | -237,5% |
| Debt Instrument, Unamortized Discount (Premium) and Debt Issuance Costs, Net | $128 jt | $127 jt | +0,8% | $122 jt | $131 jt | -6,9% |
| Debt Securities, Available-for-sale | $317 jt | $316 jt | +0,3% | $319 jt | $292 jt | +9,2% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $1 jt2025-09-30 | $2 jt | -50,0% | $1 jt2024-12-31 | $1 jt | 0,0% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $02025-09-30 | $0 | – | $02024-12-31 | $1 jt | -100,0% |
| Debt Securities, Available-for-sale, Amortized Cost | $320 jt | $315 jt | +1,6% | $318 jt | $291 jt | +9,3% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $202 jt | $205 jt | -1,5% | $215 jt | $157 jt | +36,9% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $118 jt | $110 jt | +7,3% | $103 jt | $134 jt | -23,1% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $199 jt | $206 jt | -3,4% | $216 jt | $158 jt | +36,7% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $118 jt | $110 jt | +7,3% | $103 jt | $134 jt | -23,1% |
| Debt Securities, Held-to-maturity | $0 | $19 jt | -100,0% | $13 jt | $38 jt | -65,8% |
| Debt, Long-term and Short-term, Combined Amount | $23,9 M | $19 M | +26,1% | $19 M | $18,2 M | +4,2% |
| Deferred Compensation Liability, Current and Noncurrent | $111 jt2025-09-30 | $107 jt | +3,7% | $105 jt2024-12-31 | $91 jt | +15,4% |
| Deferred Compensation Plan Assets | $114 jt2025-09-30 | $109 jt | +4,6% | $107 jt2024-12-31 | $93 jt | +15,1% |
| Deferred Federal Income Tax Expense (Benefit) | – | – | – | -$173 jt | -$197 jt | +12,2% |
| Deferred Foreign Income Tax Expense (Benefit) | – | – | – | $198 jt | -$316 jt | +162,7% |
| Deferred Income Tax Assets, Net | $1,57 M | $1,55 M | +1,7% | $1,57 M | $1,61 M | -2,9% |
| Deferred Income Tax Expense (Benefit) | -$119 jt | -$4 jt | -2.875,0% | $57 jt | -$527 jt | +110,8% |
| Deferred Income Tax Liabilities, Net | $341 jt | $326 jt | +4,6% | $307 jt | $317 jt | -3,2% |
| Deferred State and Local Income Tax Expense (Benefit) | – | – | – | $32 jt | -$14 jt | +328,6% |
| Deferred Tax Assets, Goodwill and Intangible Assets | $169 jt2025-12-31 | $160 jt | +5,6% | $169 jt | $160 jt | +5,6% |
| Deferred Tax Assets, Net | $1,26 M2025-12-31 | $1,3 M | -2,9% | $1,26 M | $1,3 M | -2,9% |
| Deferred Tax Assets, Net of Valuation Allowance | $2,58 M2025-12-31 | $2,61 M | -1,1% | $2,58 M | $2,61 M | -1,1% |
| Deferred Tax Assets, Operating Loss Carryforwards | $221 jt2025-12-31 | $468 jt | -52,8% | $221 jt | $468 jt | -52,8% |
| Deferred Tax Assets, Other | $246 jt2025-12-31 | $236 jt | +4,2% | $246 jt | $236 jt | +4,2% |
| Deferred Tax Assets, Property, Plant and Equipment | $482 jt2025-12-31 | $432 jt | +11,6% | $482 jt | $432 jt | +11,6% |
| Deferred Tax Assets, Tax Credit Carryforwards, Foreign | $802 jt2025-12-31 | $736 jt | +9,0% | $802 jt | $736 jt | +9,0% |
| Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits | $408 jt2025-12-31 | $371 jt | +10,0% | $408 jt | $371 jt | +10,0% |
| Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Accrued Liabilities | $1,08 M2025-12-31 | $939 jt | +14,9% | $1,08 M | $939 jt | +14,9% |
| Deferred Tax Assets, Valuation Allowance | $974 jt2025-12-31 | $871 jt | +11,8% | $974 jt | $871 jt | +11,8% |
| Deferred Tax Liabilities, Gross | $1,32 M2025-12-31 | $1,31 M | +0,6% | $1,32 M | $1,31 M | +0,6% |
| Deferred Tax Liabilities, Intangible Assets | $718 jt2025-12-31 | $760 jt | -5,5% | $718 jt | $760 jt | -5,5% |
| Deferred Tax Liabilities, Investment in Noncontrolled Affiliates | $111 jt2025-12-31 | $112 jt | -0,9% | $111 jt | $112 jt | -0,9% |
| Deferred Tax Liabilities, Other | $83 jt2025-12-31 | $125 jt | -33,6% | $83 jt | $125 jt | -33,6% |
| Deferred Tax Liabilities, Prepaid Expenses | $280 jt2025-12-31 | $195 jt | +43,6% | $280 jt | $195 jt | +43,6% |
| Deferred Tax Liabilities, Property, Plant and Equipment | $124 jt2025-12-31 | $116 jt | +6,9% | $124 jt | $116 jt | +6,9% |
| Defined Contribution Plan, Cost | – | – | – | $302 jt | $287 jt | +5,2% |
| Deposit Liability, Current | $2,12 M2025-12-31 | $1,87 M | +13,2% | $2,12 M | $1,87 M | +13,2% |
| Deposits Assets, Current | $2,23 M | $2,05 M | +8,6% | $2,12 M | $1,87 M | +13,2% |
| Depreciation, Amortization and Accretion, Net | $326 jt | $290 jt | +12,4% | $1,14 M | $897 jt | +27,4% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, estimasi: Financial Modeling Prep. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-09-30, 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30
Data per 2026-11-01