MA
MA — Financial Services
Graham: 12
Buffett: 84
Lynch: 38
Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. The company offers integrated products and value-added services for account holders, merchants, financial institutions, digital partners, businesses...
Price ?
573.77
Market Cap ?
518.7B
P/E ?
38.61
P/B ?
66.19
Div Yield ?
0.53%
52W Range ?
465.59 - 601.77
200W MA ?
429.59
12
Graham-style buying rate (0-100)
Criteria breakdown
- ✓ Company size sufficient (large-cap) ? $518,694,895,616 — Uses market cap >= $2B as proxy
- ✗ Solid financial condition (CR>=2; LT debt <= NCAV) ? CR=1.16 | D/E=2.41 — Partial: checks current ratio; LT debt vs NCAV unavailable
- ✓ Uninterrupted dividends for 20 years ?
- ✗ No losses in last 10 years ? Last 5y — Met for last 5y; need 10y to evaluate
- ✓ EPS growth >= 33% over 10 years ? ~186%
- ✗ Price-to-Book (P/B) <= 1.5 ? 66.19
- ✗ Price-to-Earnings (P/E) <= 15 ? 38.6 — Uses trailing P/E as proxy for 3y avg EPS
- ✗ Combined formula (P/E * P/B) <= 22.5 ? 2555.9
- ✗ Margin of safety >= 20% ? -175% — Intrinsic = EPS * 15
- ✗ High ROE maintained without excessive debt ? ROE=176.9% | D/E=2.41 — Approximate threshold ROE = 15%, D/E = 1.0
What is evaluated (Graham):
- Valuation discipline and buying below intrinsic value.
- Financial resilience: liquidity and prudent leverage.
- Consistent dividends and earnings over long horizons.
"The intelligent investor is a realist who sells to optimists and buys from pessimists." — Benjamin Graham
84
Buffett-style buying rate (0-100)
Criteria breakdown
- ✓ Positive and growing FCF (multi-year) ? 13,068,000,000 -> 15,974,000,000
- ✓ ROIC >= 12% sustained ? 70.8%
- ✓ High ROE (proxy for durable advantages) ? 176.9% — Consistency over years not checked
- ✓ Net profit margin >= 10% ? 44.9% — Derived from available financial filings
- ✗ Conservative leverage (D/E <= 1.0) ? 2.41
- ✓ Sustainable shareholder returns (dividend > 0%) ? 0.53% — Does not assess buybacks or payout safety
What is evaluated (Buffett):
- Durable advantages: high ROE, healthy margins.
- Balance discipline and shareholder friendly capital use.
- Positive free cash flow and efficient reinvestment.
"It is far better to buy a wonderful company at a fair price than a fair company at a wonderful price." — Warren Buffett
38
Lynch-style buying rate (0-100)
Criteria breakdown
- ✗ PEG ratio (P/E / growth) <= 1.0 ? 1.79
- ✓ Positive multi-year EPS growth (per-year >= 10%) ? ~21.5%/yr
- ✗ Conservative leverage (D/E <= 0.5) ? 2.41
- ✓ Sustainable profitability (net margin >= 5%) ? 44.9%
- ? Earnings stability (no losses in 10y) ? — No history
What is evaluated (Lynch):
- Growth at a reasonable price (PEG and EPS CAGR).
- Durable earnings with limited drawdowns.
- Conservative balance sheet and baseline profitability.
"Know what you own, and know why you own it." — Peter Lynch