MA

Mastercard Incorporated

Financial Services · $485.2B market cap

Share price

$552.26

close of Oct 3, 2026

Fair value

$467.44

Sticker Price

Payback Price

$186.98

buy price

Overpriced

MA is Overpriced: at $552.26 it trades 18% above its fair value of $467.44. Its buy price (Payback Price) is $186.98, 66% below today's price. Business quality is strong: 4 of 5 key numbers clear the 10% bar.

How we valued it

Free Cash Flow. Sales grew 14% a year over the last 3 years, below the 15% we look for in a fast grower, so we value it on its free cash flow instead of an earnings forecast.

Business quality

4 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth14.7% a year✓

Equity per share growth5.3% a year✗

Sales growth12.1% a year✓

Free cash flow growth15.5% a year✓

Return on invested capital46.4%✓

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Superinvestors

20 of the investors we track hold MA. In Q2 2026, 1 opened a position, 4 added, 7 trimmed and 1 sold out. Who we track

Chuck Akre

Akre Capital Management · as of Q2 2026

$1.0B

1,989,906 shares

Thomas Russo

Gardner Russo & Quinn · as of Q2 2026

$781.9M

1,522,395 shares

Terry Smith

Fundsmith · as of Q2 2026

$639.5M

1,245,051 shares

Polen Capital Management

Polen Capital Management · as of Q2 2026

$586.5M

1,141,958 shares

Valley Forge Capital Management

Valley Forge Capital Management · as of Q2 2026

$547.5M

1,065,934 shares

Show all 20 holders

AltaRock Partners

AltaRock Partners · as of Q2 2026

$392.7M

764,507 shares

Vulcan Value Partners

Vulcan Value Partners · as of Q2 2026

$258.3M

502,961 shares

John Armitage

Egerton Capital · as of Q2 2026

$186.7M

363,490 shares

Jensen Investment Management

Jensen Investment Management · as of Q2 2026

$178.6M

347,714 shares

Thomas Gayner

Markel Group · as of Q2 2026

$106.6M

207,540 shares

AKO Capital

AKO Capital · as of Q2 2026

$97.6M

189,941 shares

Triple Frond Partners

Triple Frond Partners · as of Q2 2026

$90.1M

175,472 shares

Wallace Weitz

Weitz Investment Management · as of Q2 2026

$74.7M

145,350 shares

Bill Nygren

Oakmark Funds · as of Q2 2026

$51.9M

100,993 shares

Guy Spier

Aquamarine Capital · as of Q2 2026

$20.5M

40,000 shares

Francois Rochon

Giverny Capital · as of Q2 2026

$14.8M

28,816 shares

Yacktman Asset Management

Yacktman Asset Management · as of Q2 2026

$6.0M

11,670 shares

Glenn Greenberg

Brave Warrior Advisors · as of Q2 2026

$602K

1,172 shares

Christopher Bloomstran

Semper Augustus · as of Q2 2026

$338K

658 shares

Mairs & Power Funds

Mairs & Power Funds · as of Q2 2026

$203K

395 shares

Moves in Q2 2026

New position: Terry Smith

Added: Vulcan Value Partners, Glenn Greenberg, AltaRock Partners, AKO Capital

Trimmed: Bill Nygren, Valley Forge Capital Management, Polen Capital Management, Mairs & Power Funds, John Armitage, Jensen Investment Management, Chuck Akre

Sold out: Stephen Mandel

Insider activity

Since Jun 16, 2026: no open-market purchases, 47 sales worth $62.1M and 23 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

SACHIN J. MEHRA

Chief Business Officer · 2026-09-02

Sold

$1.9M

Kirkpatrick Linda Pistecchia

Chief Services Officer · 2026-08-31

Sold

$548K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-20

Sold

$572K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-19

Sold

$93K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-19

Sold

$489K

Show all 47 sales

SACHIN J. MEHRA

Chief Business Officer · 2026-08-19

Sold

$425K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-19

Sold

$232K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-19

Sold

$363K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-19

Sold

$738K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-19

Sold

$672K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-19

Sold

$661K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-19

Sold

$554K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-19

Sold

$69K

Kirkpatrick Linda Pistecchia

Chief Services Officer · 2026-08-17

Sold

$673K

Miebach Michael

President & CEO · 2026-08-05

Sold

$8.8M

SACHIN J. MEHRA

Chief Business Officer · 2026-08-05

Sold

$46K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-05

Sold

$115K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-05

Sold

$252K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-05

Sold

$160K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-05

Sold

$503K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-05

Sold

$502K

SACHIN J. MEHRA

Chief Business Officer · 2026-08-05

Sold

$137K

Kirkpatrick Linda Pistecchia

Chief Services Officer · 2026-08-04

Sold

$69K

Kirkpatrick Linda Pistecchia

Chief Services Officer · 2026-08-04

Sold

$503K

Kirkpatrick Linda Pistecchia

Chief Services Officer · 2026-08-04

Sold

$960K

Kirkpatrick Linda Pistecchia

Chief Services Officer · 2026-08-04

Sold

$228K

Kirkpatrick Linda Pistecchia

Chief Services Officer · 2026-08-04

Sold

$205K

Kirkpatrick Linda Pistecchia

Chief Services Officer · 2026-08-04

Sold

$114K

Kirkpatrick Linda Pistecchia

Chief Services Officer · 2026-08-04

Sold

$340K

Kirkpatrick Linda Pistecchia

Chief Services Officer · 2026-08-04

Sold

$23K

Miebach Michael

President & CEO · 2026-08-03

Sold

$9.6M

Miebach Michael

President & CEO · 2026-07-31

Sold

$9.4M

Arkell Sandra A

Controller · 2026-07-15

Sold

$78K

McLaughlin Edward Grunde

President & CTO, MA Tech · 2026-07-15

Sold

$587K

McLaughlin Edward Grunde

President & CTO, MA Tech · 2026-07-15

Sold

$1.8M

McLaughlin Edward Grunde

President & CTO, MA Tech · 2026-07-15

Sold

$1.3M

McLaughlin Edward Grunde

President & CTO, MA Tech · 2026-07-15

Sold

$3.3M

McLaughlin Edward Grunde

President & CTO, MA Tech · 2026-07-15

Sold

$1.8M

McLaughlin Edward Grunde

President & CTO, MA Tech · 2026-07-15

Sold

$85K

McLaughlin Edward Grunde

President & CTO, MA Tech · 2026-07-15

Sold

$588K

McLaughlin Edward Grunde

President & CTO, MA Tech · 2026-07-15

Sold

$1.0M

Arkell Sandra A

Controller · 2026-07-14

Sold

$108K

Arkell Sandra A

Controller · 2026-07-07

Sold

$108K

Arkell Sandra A

Controller · 2026-07-06

Sold

$108K

Seshadri Raj

Chief Commercial Pmts Officer · 2026-07-02

Sold

$1.0M

McLaughlin Edward Grunde

President & CTO, MA Tech · 2026-07-01

Sold

$7.5M

Seshadri Raj

Chief Commercial Pmts Officer · 2026-07-01

Sold

$2.5M

Other filings

SACHIN J. MEHRA

Chief Business Officer · 2026-08-19

Option exercise

$2.6M

Kirkpatrick Linda Pistecchia

Chief Services Officer · 2026-08-04

Option exercise

$743K

Miebach Michael

President & CEO · 2026-08-03

Option exercise

$2.2M

Ling Hai

Chief Financial Officer · 2026-08-03

Award

2,657 shares

Kirkpatrick Linda Pistecchia

Chief Services Officer · 2026-08-03

Award

1,771 shares

Show all 23 other filings

Dosis Dimitrios

Chief Commercial Pmts Officer · 2026-08-03

Award

2,303 shares

Miebach Michael

President & CEO · 2026-07-31

Option exercise

$3.8M

McLaughlin Edward Grunde

President & CTO, MA Tech · 2026-07-15

Option exercise

$4.5M

Seshadri Raj

Chief Commercial Pmts Officer · 2026-07-02

Option exercise

$574K

McLaughlin Edward Grunde

President & CTO, MA Tech · 2026-07-01

Option exercise

$2.5M

Seshadri Raj

Chief Commercial Pmts Officer · 2026-07-01

Option exercise

$581K

Matsumoto Oki

director · 2026-06-21

Tax withholding

$48K

Matsumoto Oki

director · 2026-06-16

Award

509 shares

Sulzberger Gabrielle

director · 2026-06-16

Award

509 shares

Moon Youngme E

director · 2026-06-16

Award

509 shares

Uggla Lance Darrell Gordon

director · 2026-06-16

Award

509 shares

Bracher Candido

director · 2026-06-16

Award

509 shares

Janow Merit E

director · 2026-06-16

Award

684 shares

DAVIS RICHARD K

director · 2026-06-16

Award

509 shares

Talwar Harit

director · 2026-06-16

Award

509 shares

Qureshi Rima

director · 2026-06-16

Tax withholding

$813K

Goh Choon Phong

director · 2026-06-16

Award

509 shares

GENACHOWSKI JULIUS

director · 2026-06-16

Award

509 shares

About Mastercard Incorporated

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…

Financial - Credit Services

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works

Verdict

How we valued it

Business quality

Superinvestors

Insider activity

Sales

Other filings

About Mastercard Incorporated