Market Price

123.30 

0.20 0.2%

as of Jun 22 '17 16:00

52 Week Range:

86.65 126.19


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. It facilitates the processing of payment transactions, including authorization, clearing, and settlement, as well as delivers related products and services. The company also offers value-added services, such as loyalty and reward programs, information and consulting services, issuer and acquirer processing solutions, and payment and mobile gateways. In addition, it provides various payment products and solutions for cardholders, merchants, financial institutions, and governments; programs that enable issuers to provide consumers with cards to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid payment programs and management services; and commercial payment products and solutions. Further, the company provides products and services to prevent, detect, and respond to fraud and cyber-attacks, and ensure the safety of transactions. It offers payment solutions and services under the MasterCard, Maestro, and Cirrus brands. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '06 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16
Equity (BVPS) 1.72
2.31
1.90
3.13
4.21
4.89
5.81
6.41
5.64
5.62
5.75
growth rate 34.3% -17.8% 64.7% 34.5% 16.2% 18.8% 10.3% -12.0% -0.4% 2.3%
Earnings BIT 294.17
1,670.00
-383.21
2,220.00
2,760.00
2,750.00
3,952.00
4,514.00
5,127.00
5,019.00
5,741.00
growth rate 467.7% -100.0% 100.0% 24.3% -0.4% 43.7% 14.2% 13.6% -2.1% 14.4%
Avg.PE 263.16
26.88
-110.00
22.78
15.90
25.06
22.42
32.57
29.29
25.91
29.65
growth rate -89.8% -100.0% 100.0% -30.2% 57.6% -10.5% 45.3% -10.1% -11.5% 14.4%
ROA 1.14
19.15
-3.99
20.97
22.64
19.52
23.83
23.34
24.46
24.10
23.23
growth rate 1,579.8% -100.0% 100.0% 8.0% -13.8% 22.1% -2.1% 4.8% -1.5% -3.6%
ROE 2.84
40.28
-10.25
53.86
42.39
34.43
43.16
43.27
50.68
59.42
69.48
growth rate 1,318.3% -100.0% 100.0% -21.3% -18.8% 25.4% 0.3% 17.1% 17.3% 16.9%
ROIC 0.56
34.79
-9.61
53.42
42.35
34.09
42.97
43.04
42.30
43.81
40.96
growth rate 6,112.5% -100.0% 100.0% -20.7% -19.5% 26.1% 0.2% -1.7% 3.6% -6.5%
Cur. Ratio 1.97
1.94
1.44
1.58
2.05
1.84
1.91
1.82
1.77
1.75
1.84
growth rate -1.5% -25.8% 9.7% 29.8% -10.2% 3.8% -4.7% -2.8% -1.1% 5.1%
Quick Ratio 1.79
1.78
1.20
1.22
1.70
1.51
1.59
1.58
1.36
1.42
1.50
growth rate -0.6% -32.6% 1.7% 39.3% -11.2% 5.3% -0.6% -13.9% 4.4% 5.6%
Leverage 2.15
2.07
3.36
2.13
1.70
1.82
1.80
1.90
2.26
2.70
3.30
growth rate -3.7% 62.3% -36.6% -20.2% 7.1% -1.1% 5.6% 19.0% 19.5% 22.2%
Balance Sheet Dec '06 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16
Acct.Receivable 1,152.70
995.00
1,147.00
1,752.00
925.00
966.00
2,461.00
2,147.00
2,509.00
growth rate -13.7% 15.3% 52.8% -47.2% 4.4% 154.8% -12.8% 16.9%
Acct.Payable 2,669.00
1,421.00
338.00
4,000.00
4,101.00
4,873.00
growth rate -46.8% -76.2% 1,083.4% 2.5% 18.8%
Cur.Assets 4,311.50
5,003.00
6,454.00
7,741.00
9,357.00
10,950.00
10,997.00
10,984.00
13,228.00
growth rate 16.0% 29.0% 19.9% 20.9% 17.0% 0.4% -0.1% 20.4%
Total Assets 6,475.80
7,470.00
8,837.00
10,693.00
12,462.00
14,242.00
15,329.00
16,250.00
18,675.00
growth rate 15.4% 18.3% 21.0% 16.5% 14.3% 7.6% 6.0% 14.9%
Cash 1,505.20
2,055.00
3,067.00
4,370.00
2,829.00
4,510.00
6,627.00
7,183.00
8,255.00
growth rate 36.5% 49.3% 42.5% -35.3% 59.4% 46.9% 8.4% 14.9%
Inventory 0.00 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 2,990.50
3,167.00
3,143.00
4,217.00
4,906.00
6,032.00
6,222.00
6,269.00
7,206.00
growth rate 5.9% -0.8% 34.2% 16.3% 23.0% 3.2% 0.8% 15.0%
Liabilities 4,548.50
3,966.00
3,632.00
4,825.00
5,545.00
6,758.00
8,539.00
10,222.00
13,019.00
growth rate -12.8% -8.4% 32.9% 14.9% 21.9% 26.4% 19.7% 27.4%
LT Debt 229.67
149.82
19.40
22.00
0.00
0.00
0.00
0.00
1,494.00
3,268.00
5,180.00
growth rate -34.8% -87.1% 13.4% -100.0% 118.7% 58.5%
Equity 2,364.36
3,027.31
1,927.40
3,504.00
5,205.00
5,868.00
6,917.00
7,484.00
6,790.00
6,028.00
5,656.00
growth rate 28.0% -36.3% 81.8% 48.5% 12.7% 17.9% 8.2% -9.3% -11.2% -6.2%
Common Shares 1,358.00
1,357.00
1,301.00
1,300.00
1,310.00
1,284.00
1,258.00
1,215.00
1,169.00
1,137.00
1,101.00
growth rate -0.1% -4.1% -0.1% 0.8% -2.0% -2.0% -3.4% -3.8% -2.7% -3.2%
Cash Flow Statement Dec '06 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16
Capital Expenditures 94.47
156.42
75.60
57.00
61.00
77.00
96.00
155.00
175.00
177.00
215.00
growth rate 65.6% -51.7% -24.6% 7.0% 26.2% 24.7% 61.5% 12.9% 1.1% 21.5%
Cash Dividends 12.37
74.00
79.30
79.00
79.00
77.00
132.00
255.00
515.00
727.00
837.00
growth rate 498.2% 7.2% -0.4% 0.0% -2.5% 71.4% 93.2% 102.0% 41.2% 15.1%
Cash From OA 650.16
769.86
413.20
1,378.00
1,697.00
2,684.00
2,948.00
4,135.00
3,407.00
4,043.00
4,484.00
growth rate 18.4% -46.3% 233.5% 23.2% 58.2% 9.8% 40.3% -17.6% 18.7% 10.9%
FCF per Share 0.14
0.45
0.19
0.95
1.18
1.86
2.17
2.92
3.02
2.90
3.74
growth rate 221.4% -57.8% 400.0% 24.2% 57.6% 16.7% 34.6% 3.4% -4.0% 29.0%
Sale Purchase of Stock -1,129.00
-1,748.00
-2,443.00
-3,358.00
-3,491.00
-3,474.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0%
FCF 556.00
613.00
243.00
1,239.00
1,546.00
2,507.00
2,730.00
3,836.00
3,073.00
3,701.00
4,102.00
growth rate 10.3% -60.4% 409.9% 24.8% 62.2% 8.9% 40.5% -19.9% 20.4% 10.8%
Income Statement Dec '06 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16
Sales 3,330.00
4,070.00
4,991.60
5,099.00
5,539.00
6,714.00
7,391.00
8,346.00
9,441.00
9,667.00
10,776.00
growth rate 22.2% 22.6% 2.2% 8.6% 21.2% 10.1% 12.9% 13.1% 2.4% 11.5%
Op.Income -534.50
2,260.00
2,752.00
1,906.00
2,758.00
3,116.00
5,106.00
5,078.00
5,761.00
growth rate 100.0% 21.8% -30.7% 44.7% 13.0% 63.9% -0.6% 13.5%
IBT -383.20
2,218.00
2,757.00
2,748.00
3,932.00
4,500.00
5,079.00
4,958.00
5,646.00
growth rate 100.0% 24.3% -0.3% 43.1% 14.5% 12.9% -2.4% 13.9%
Net Income -253.90
1,463.00
1,846.00
1,906.00
2,759.00
3,116.00
3,617.00
3,808.00
4,059.00
growth rate 100.0% 26.2% 3.3% 44.8% 12.9% 16.1% 5.3% 6.6%
EPS 0.03
0.80
-0.19
1.12
1.41
1.48
2.19
2.56
3.10
3.35
3.69
growth rate 2,566.7% -100.0% 100.0% 25.9% 5.0% 48.0% 16.9% 21.1% 8.1% 10.2%
Gross Profit 3,326.07
4,067.60
4,991.60
5,099.00
5,539.00
6,714.00
7,391.00
8,346.00
9,441.00
9,667.00
10,776.00
growth rate 22.3% 22.7% 2.2% 8.6% 21.2% 10.1% 12.9% 13.1% 2.4% 11.5%

Quarterly Statements

Item Name Mar '16 Jun '16 Sep '16 Dec '16 Mar '17
Earnings BIT 1,357.00
1,387.00
1,656.00
1,341.00
1,517.00
growth rate 2.2% 19.4% -19.0% 13.1%
Balance Sheet Mar '16 Jun '16 Sep '16 Dec '16 Mar '17
Acct.Receivable 1,186.00
2,208.00
2,435.00
2,509.00
2,638.00
growth rate 86.2% 10.3% 3.0% 5.1%
Acct.Payable 409.00
4,033.00
4,703.00
4,873.00
4,660.00
growth rate 886.1% 16.6% 3.6% -4.4%
Cur.Assets 10,606.00
10,998.00
11,776.00
13,228.00
12,885.00
growth rate 3.7% 7.1% 12.3% -2.6%
Total Assets 15,905.00
16,282.00
17,323.00
18,675.00
18,570.00
growth rate 2.4% 6.4% 7.8% -0.6%
Cash 4,894.00
6,654.00
6,745.00
8,255.00
7,533.00
growth rate 36.0% 1.4% 22.4% -8.8%
Inventory 0.00 0.00
growth rate
Cur.Liabilities 6,440.00
6,462.00
7,121.00
7,206.00
7,095.00
growth rate 0.3% 10.2% 1.2% -1.5%
Liabilities 10,426.00
10,445.00
11,104.00
13,019.00
12,959.00
growth rate 0.2% 6.3% 17.3% -0.5%
LT Debt 3,333.00
3,306.00
3,326.00
5,180.00
5,216.00
growth rate -0.8% 0.6% 55.7% 0.7%
Equity 5,479.00
5,837.00
6,219.00
5,656.00
5,611.00
growth rate 6.5% 6.5% -9.1% -0.8%
Common Shares
growth rate
Cash Flow Statement Mar '16 Jun '16 Sep '16 Dec '16 Mar '17
Capital Expenditures 37.00
64.00
55.00
59.00
64.00
growth rate 73.0% -14.1% 7.3% 8.5%
Cash Dividends 212.00
209.00
209.00
207.00
238.00
growth rate -1.4% 0.0% -1.0% 15.0%
Cash From OA 1,008.00
1,009.00
1,425.00
992.00
745.00
growth rate 0.1% 41.2% -30.4% -24.9%
Sale Purchase of Stock -1,357.00
-450.00
-576.00
-1,095.00
-943.00
growth rate 0.0% 0.0% 0.0% 0.0%
FCF 971.00
945.00
1,370.00
933.00
681.00
growth rate -2.7% 45.0% -31.9% -27.0%
Income Statement Mar '16 Jun '16 Sep '16 Dec '16 Mar '17
Sales 2,446.00
2,694.00
2,880.00
2,756.00
2,734.00
growth rate 10.1% 6.9% -4.3% -0.8%
Op.Income 959.00
1,380.00
1,670.00
1,363.00
1,506.00
growth rate 43.9% 21.0% -18.4% 10.5%
IBT 1,337.00
1,365.00
1,633.00
1,311.00
1,478.00
growth rate 2.1% 19.6% -19.7% 12.7%
Net Income 959.00
983.00
1,184.00
933.00
1,081.00
growth rate 2.5% 20.5% -21.2% 15.9%
EPS
growth rate
Gross Profit 2,446.00
2,694.00
2,880.00
2,756.00
2,734.00
growth rate 10.1% 6.9% -4.3% -0.8%
R&D 0.00 0.00
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (69.52)

YOY Growth Grade:

C (60.38)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 32.14 32.19 24.57
EPS / Growth 13.5% 3.83 15.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 9.8% 9.8%
Future PE 1.94 25.45 25.45
Future EPS 4.22 9.77 9.77
Value Price
MOS %
2.02
-98.4%
61.48
-50.1%
61.48
-50.1%
MOS Price 1.01 30.74 30.74
IRT 27.91 14.46 14.46

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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