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Mastercard Inc (MA)

Financial Services
Servicios Financieros
sensible a tipos de interés
dividend achiever

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, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid programs services; consumer bill payment services; and commercial credit, debit, and prepaid payment products and solutions. It also provides solutions that enable businesses or governments to make payments to businesses, including Virtual Card Number, which is generated dynamically from a physical card and leverages the credit limit of the funding account; and a platform to optimize supplier payment enablement campaigns for financial institutions. In addition, the company offers Mastercard Move, which partners with digital messaging and payment platforms to enable consumers to send money directly within applications to other consumers; and partners with central banks, fintechs and financial institutions to help governments and nonprofits, as well as enables various cross-border payment flows. Further, it provides security solutions; personalization, issuer and merchant loyalty, and marketing services; advanced analytics, business intelligence, economic and location-based insights, payments consulting, and operational insights services; processing and gateway solutions; and open banking services. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus names. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.

Precio Actual

$545.52
+0.59% vs día anterior

Capitalización

490B

Desviación

+14.82%

Y/Y Growth

12.8%

EBIT Margin

59.3%

ROIC

47%

PEG Ratio

2.1

ROE

150.8%

3Y EPS Growth

14.3%

Dividend Yield

0.5%

Net Debt / EBITDA

0.5x

Proyecciones CAGR

Proyecciones de tasa de crecimiento anual compuesta basadas en diferentes modelos de valoración. CAGR EV/FCF es la métrica principal.

CAGR EV/FCF
10.7%
CAGR EV/FCF (2025):
-12.9%
CAGR Prom.:
13.0%
CAGR P/E:
12.1%
CAGR EV/EBITDA: 14.9%
CAGR EV/EBIT: 14.3%
Precio de compra para +15%:
$410.39

Múltiplos de Valoración

Múltiplos de valoración utilizados para las estimaciones de CAGR y precios objetivo.

P/E
30x
(Fair: 37x)
EV/FCF
30x
EV/EBITDA
25x
EV/EBIT
26x

Gráfico de Evolución del Precio

Precios Objetivo FCF

Precios futuros estimados de la acción basados en proyecciones de flujo de caja libre.

Calculadora de Sensibilidad

Compara el CAGR de tu valoración con el que resultaría al aplicar diferentes múltiplos (LTM y Fair P/E).

Mercado LTM P/E
35x
Fair P/E
37x
CAGR EV/FCF
Tu Múltiplo: 30x
10.7%
14.2%
15.5%
CAGR P/E
Tu Múltiplo: 30x
12.1%
15.6%
16.9%
Tu CAGR
CAGR con LTM
CAGR con Fair P/E

Notas

Rendimiento Histórico vs. Índices

Rendimiento anual (YTD) de la acción comparado con índices y materias primas de referencia.

Media vs. Bitcoin
-167.17%
Media vs. Gold
+5.22%
Media vs. Bono USA 7-10y
+20.71%
Media vs. Bono USA 1-3y
+20.15%
Media vs. Bono USA 20+y
+22.29%
Media vs. Dow Jones
+8.79%
Media vs. S&P 500
+5.92%
Media vs. NASDAQ 100
+0.50%
Media vs. MSCI World
+8.54%
Media vs. Russell 2000
+10.41%
Media vs. STOXX Europe 600
+14.72%
Rendimiento anual de cada inversión. La línea discontinua marca el 0% (punto de equilibrio).
Año
Rendimiento MA
Rendimiento Bitcoin
Rendimiento vs. Bitcoin
Rendimiento Gold
Rendimiento vs. Gold
Rendimiento Bono USA 7-10y
Rendimiento vs. Bono USA 7-10y
Rendimiento Bono USA 1-3y
Rendimiento vs. Bono USA 1-3y
Rendimiento Bono USA 20+y
Rendimiento vs. Bono USA 20+y
Rendimiento Dow Jones
Rendimiento vs. Dow Jones
Rendimiento S&P 500
Rendimiento vs. S&P 500
Rendimiento NASDAQ 100
Rendimiento vs. NASDAQ 100
Rendimiento MSCI World
Rendimiento vs. MSCI World
Rendimiento Russell 2000
Rendimiento vs. Russell 2000
Rendimiento STOXX Europe 600
Rendimiento vs. STOXX Europe 600
2025
YTD en Vivo
4.43%-1.40%+5.83%57.46%-53.03%4.29%+0.13%0.99%+3.44%0.69%+3.74%13.12%-8.70%16.85%-12.42%22.29%-17.86%20.22%-15.79%12.99%-8.56%13.34%-8.91%
2024
24.81%110.77%-85.96%26.96%-2.14%-3.73%+28.54%0.05%+24.76%-11.17%+35.98%12.80%+12.01%24.01%+0.80%30.78%-5.97%17.88%+6.93%10.80%+14.01%5.50%+19.31%
2023
22.98%153.66%-130.67%11.76%+11.23%-0.15%+23.13%0.98%+22.00%-2.54%+25.53%13.74%+9.24%24.73%-1.75%44.52%-21.54%21.92%+1.06%15.78%+7.20%11.67%+11.31%
2022
-6.26%-65.23%+58.97%0.78%-7.04%-15.93%+9.67%-5.00%-1.26%-31.00%+24.75%-9.40%+3.14%-19.95%+13.69%-33.89%+27.63%-19.70%+13.44%-22.50%+16.24%-13.29%+7.03%
2021
2.23%60.33%-58.10%-6.24%+8.46%-4.15%+6.38%-0.98%+3.21%-5.94%+8.16%20.23%-18.00%28.79%-26.57%23.20%-20.98%21.22%-18.99%15.39%-13.16%21.66%-19.44%
2020
17.65%301.93%-284.27%23.90%-6.25%8.33%+9.32%2.02%+15.63%15.12%+2.53%6.02%+11.63%15.29%+2.36%41.75%-24.10%12.94%+4.71%18.48%-0.83%-4.64%+22.29%
2019
57.37%88.85%-31.49%17.78%+39.59%5.55%+51.81%1.20%+56.17%10.91%+46.46%21.91%+35.45%28.34%+29.03%34.60%+22.76%25.23%+32.14%23.05%+34.32%23.42%+33.95%
2018
24.19%-71.79%+95.98%-3.12%+27.30%-0.97%+25.15%-0.24%+24.42%-3.17%+27.36%-6.03%+30.21%-7.01%+31.19%-5.30%+29.49%-11.16%+35.35%-13.00%+37.18%-13.42%+37.61%
2017
43.62%1,184.56%-1,140.94%11.93%+31.69%0.76%+42.86%-0.63%+44.25%6.03%+37.58%24.33%+19.29%18.42%+25.20%27.16%+16.46%19.45%+24.16%12.45%+31.17%7.16%+36.46%
2016
8.90%109.91%-101.01%6.53%+2.37%-1.15%+10.05%-0.02%+8.93%-1.91%+10.81%15.24%-6.34%11.24%-2.34%9.79%-0.89%6.53%+2.37%22.42%-13.51%1.33%+7.57%
Media19.99%187.16%-167.17%14.77%+5.22%-0.71%+20.71%-0.16%+20.15%-2.30%+22.29%11.20%+8.79%14.07%+5.92%19.49%+0.50%11.45%+8.54%9.59%+10.41%5.27%+14.72%

Historial de Valoración

Historial de cambios significativos en los factores de valoración y precios objetivo a lo largo del tiempo. Los valores resaltados indican un cambio respecto a la valoración anterior.

Fecha de Valoración
Y/Y Growth
EBIT Margin
Net Debt/EBITDA
P/E
EV/FCF
EV/EBITDA
EV/EBIT
Objetivo 2025
Objetivo 2026
Objetivo 2027
Objetivo 2028
Objetivo 2029
11/3/202512.8%59.3%0.5x30x(34x)30x25x26x$475.10$546.51$631.59$722.04$825.43
9/24/202512.5%59.3%0.5x30x(34x)30x25x26x$469.54$542.32$626.65$715.11$816.05

Historial de Dividendos

Evolución de los dividendos por acción pagados durante los últimos 10 años.Dividend Achiever - 10+ años de crecimiento continuo

Dividend Yield Actual
0.50%
Basado en 2025
Crecimiento Promedio
16.94%
CAGR últimos 10 años
Años Consecutivos
9
Años de crecimiento continuo
AñoDividendo por AcciónCrecimiento
2025
Actual
$2.74+15.61%
2024$2.37+16.18%
2023$2.04+12.71%
2022$1.81+10.37%
2021$1.64+17.99%
2020$1.39+28.70%
2019$1.08+18.68%
2018$0.91+15.19%
2017$0.79+17.91%
2016$0.67-
CAGR de Dividendos (2016 - 2025)
16.94%

Análisis de Outperformance

Rendimiento histórico vs índices principales y métricas de consistencia

Outperformance Promedio vs Índices

Rendimiento promedio comparado con los principales índices del mercado

Outperformance
Underperformance

Evolución del Rendimiento Año a Año

Rendimiento histórico con marcadores de mejores y peores años

🏆Best Year
2019
+57.37%
📉Worst Year
2022
-6.26%

Consistencia de Rendimiento

Porcentaje de años con rendimientos positivos

90%
9 of 10 years positive
Consistent Outperformer
Consistency ScoreExcellent
0%50%70%100%

MA has demonstrated exceptional consistency with positive returns in 90% of years, qualifying as a Consistent Outperformer.