RadarScope: MA — Analiza Fundamentala

Market Cap

$508.9B

P/E Ratio

31.9

Profit Margin

46.3%

ROE

232.5%

📈 Earnings Report — 2026-07

Ultimul trimestru raportat

EPS Actual

$5.04

▲ 9.6% QoQ▲ 21.4% YoY

EPS Estimat

$4.77

Beat by 5.7%

Revenue Actual

$9.28B

▲ 0.0% QoQ▲ 14.1% YoY

Revenue Estimat

$9.08B

Beat by 2.2%

Istoric Ultimele 4 Trimestre

2026-07

EPS Actual

$5.04

EPS Est.

$4.77

Revenue

$9.28B

Beat/Miss

Beat by 5.7%

2026-04

EPS Actual

$4.6

EPS Est.

$4.4

Revenue

$9.28B

Beat/Miss

Beat by 4.5%

2026-01

EPS Actual

$4.76

EPS Est.

$4.24

Revenue

$8.81B

Beat/Miss

Beat by 12.3%

2025-10

EPS Actual

$4.38

EPS Est.

$4.32

Revenue

$8.60B

Beat/Miss

Beat by 1.4%

Urmatorul Raport

Data

2026-10-29

EPS Estimat

$5.12

Revenue Estimat

$9.66B

💰 Dividende Recente

2026-07

$0.87

Yield: 0.64%

Plata: 2026-08

2026-04

$0.87

Yield: 0.65%

Plata: 2026-05

2026-01

$0.87

Yield: 0.55%

Plata: 2026-02

2025-10

$0.76

Yield: 0.54%

Plata: 2025-11

📊 Scoruri Companie

Crestere 9/10

Revenue & Profit Growth

Evaluare 3/10

P/E · P/B · P/S

Calitate 8/10

Marje · ROE · Datorii

Risc 5/10

Beta · Market Cap

📈 Date Financiare Istorice in miliarde USD

💰 Revenue

📊 Net Profit

💵 Cash Flow

Operating (albastru) · Free (violet)

🏦 Cash & Datorii

Cash (verde) · Long-term Debt (rosu)

💸 Operating Expenses

🤖 Analiza RadarScope AI

Analiza AI (verdict, bull case, bear case) este disponibila pe planurile Trader si Elite.

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🐂 BULL CASE

Disponibil pe Trader / Elite

🐻 BEAR CASE

Disponibil pe Trader / Elite

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📖 Indicatorii lui Lynch — concluzii rapide dupa Peter Lynch

PEG — P/E in contextul cresterii

CAM SCUMP

PEG 1.52 · cu dividend 1.48 · crestere EPS ~21.0%/an. Regula Lynch: ~1 corect, sub 0.5 foarte atractiv, peste 2 scump.

P/E vs istoria proprie si sectorul

P/E acum 31.9.
vs media proprie 5 ani (36.6): SUB media sa
vs sector Financial Services (21.4): PESTE sector
Lynch: compara P/E cu propria istorie si media industriei, nu in absolut.

Procentul din vanzari (concentrare produs)

MODERAT CONCENTRAT

Payment Network 59% · Value-Added Services A 41%
Lynch: un produs genial care aduce sub ~10% din venituri nu misca actiunea.

Cash si datorie

DATORIE NETA

Datorie neta pe actiune $9.24 (mai multa datorie decat cash).
Datorie/Capital 4.39 DATORIE FOARTE MARE — decide supravietuirea in vremuri grele (esential la ciclice si turnarounds).
Tip datorie: OK — TERMEN LUNG — majoritar pe termen lung (obligatiuni = timp de manevra). Scurt $749.0M / Lung $18.3B.

Marje de profit

MARJE SOLIDE

Bruta 82.7% · Operationala 59.4% · Neta 46.3%. Marje mari — de regula castigatorul pe termen lung din industrie.

Inventare vs vanzari

FARA STOCURI

Firma fara stocuri semnificative (servicii / software) — indicatorul nu se aplica.

Povestea in 2 minute

De ce o detii: Analiza AI (verdict, bull case, bear case) este disponibila pe planurile Trader si Elite.
Ce trebuie sa mearga bine: Disponibil pe Trader / Elite
Obstacole: Disponibil pe Trader / Elite
Lynch: daca nu poti explica coerent in 2 minute de ce o detii, nu o intelegi.

🔬 Analiza Fundamentala Avansata · an fiscal 2025-12-31

🏦 Altman Z-Score

10.57 ZONA SIGURA

X1 Capital de lucru / Active	0.015	x1.2
X2 Profit reportat / Active	1.57	x1.4
X3 EBIT / Active	0.356	x3.3
X4 Capitalizare / Datorii	10.953	x0.6
X5 Vanzari / Active	0.605	x1.0

Praguri Altman (1968): >2,99 sigur · 1,81–2,99 gri · <1,81 pericol de faliment

💪 Piotroski F-Score

9/9 PUTERNIC

✓ROA pozitiv27.64%

✓Cash flow operational pozitiv17.65B

✓ROA in crestere27.64% vs 26.78%

✓Cash flow > Profit net (calitate)17.65B vs 14.97B

✓Datorie pe termen lung in scadere33.7% vs 36.3% din active

✓Lichiditate curenta in crestere1.03 vs 1.03

✓Fara emisiune de actiuni noi894.0M vs 913.4M

✓Marja bruta in crestere77.9% vs 76.3%

✓Rotatia activelor in crestere0.61 vs 0.59

9 teste binare (Piotroski, 2000). 8–9 = putere financiara · 0–2 = slabiciune

⚖️ ROIC vs WACC

+88.10pp CREEAZA VALOARE

ROIC (randamentul capitalului)	96.16%
WACC (costul capitalului)	8.06%

Ipoteze (la vedere):
Rata fara risc 4.2% (USD) · Beta 0.73 · Prima de risc 5.5%
Cost capitaluri proprii 8.24% · Cost datorie 3.8% · Impozit efectiv 19.4%

Metode publice: Altman, E. (1968), Journal of Finance · Piotroski, J. (2000), Journal of Accounting Research · ROIC/WACC prin CAPM. Fiecare cifra isi arata componentele si pragurile — poti reface calculul manual.

📊 Metrici Fundamentale

P/E TTM31.9

P/B TTM91.22

P/S TTM14.51

EV/EBITDA23.6

Gross Margin82.7%

Operating Margin59.4%

Net Margin46.3%

ROE232.5%

ROA28.2%

Debt/Equity4.39

Current Ratio1.06

FCF Yield3.2%

Dividend Yield0.58%

Beta0.73

💰 Venituri & Profit (ultimele trimestre)

Trimestru	Revenue	Gross Profit	Net Income	EPS
2026-06	$9.3B	$9.0B	$4.4B	$4.98
2026-03	$8.4B	$6.4B	$3.9B	$4.35
2025-12	$8.8B	$7.0B	$4.1B	$4.53
2025-09	$8.6B	$6.7B	$3.9B	$4.35

🏢 Profil Companie

CEOMichael Miebach

Angajati39800

IPO2006-05-25

Websitehttps://www.mastercard.com...

52W High$601.77

52W Low$464.52

Mastercard Incorporated is a global technology firm specializing in providing transaction processing and a wide array of payment solutions, operating across the United States and internationally. Its core business centers on enabling the entire payment transaction lifecycle – including authorization, clearing, and settlement – alongside offering a spectrum of complementary payment services. The company provides a comprehensive suite of integrated products and value-added services to a diverse cl...

🎯 Score Breakdown

Calitate Companie (Q) 8/10

Risc Speculativ (R) 5/10

Scor AI RadarScope 0/100

VERDICT FINAL

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