Mastercard Z Score
MA  Stock  USD 357.51 10.97 3.17% 
Mastercard  Z Score 
Mastercard Z Score Analysis
Mastercard's ZScore is a simple linear, multifactor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..2019  2020  2021  2022 (projected)  
Interest Expense  224 M  380 M  431 M  465.03 M 
Gross Profit  16.88 B  15.3 B  18.88 B  16.82 B 
Z Score  =  Sum Of   5 Factors 
Current Mastercard Z Score  18.2 
Most of Mastercard's fundamental indicators, such as Z Score, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Mastercard is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
 
 
 
 

Mastercard Z Score Driver Correlations
Understanding the fundamental principles of building solid financial models for Mastercard is extremely important. It helps to project a fair market value of Ford stock properly, considering its historical fundamentals such as Z Score. Since Mastercard's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Mastercard's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Mastercard's interrelated accounts and indicators.
Click cells to compare fundamentals
To calculate ZScore one would need to know current working capital of the company, its total assets, and liabilities, amount of latest retained earnings as well as earnings before interest and tax. ZScore can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with ZScores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a socalled 'grey area' with scores of less than 1, indicating the high probability of distress. Z Score is used widely by financial auditors, accountants, money managers, loan processers, wealth advisers, as well as day traders. In the last 25 years, many financial models that utilize z score has been proved to be successful as a predictor of corporate bankruptcy.
Compare to competition 
Based on the company's disclosures, Mastercard has a Z Score of 18.2. This is much higher than that of the Financial Services sector and notably higher than that of the Credit Services industry. The z score for all United States stocks is 108.72% lower than that of the firm.
Mastercard Z Score Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Mastercard's direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Mastercard could also be used in its relative valuation, which is a method of valuing Mastercard by comparing valuation metrics of similar companies.Mastercard is currently under evaluation in z score category among related companies.
Mastercard Current Valuation Drivers
We derive many important indicators used in calculating different scores of Mastercard from analyzing Mastercard's financial statements. These drivers represent accounts that assess Mastercard's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Mastercard's important valuation drivers and their relationship over time.
2017  2018  2019  2020  2021  2022 (projected)  
Net Income Per Employee  292.16 K  395.88 K  436.45 K  304.45 K  361.96 K  337.18 K  
Revenue Per Employee  932.61 K  1.01 M  907.69 K  726.63 K  786.83 K  946.46 K  
Average Assets  20.16 B  23.4 B  25.87 B  31.99 B  35.7 B  30.28 B  
Earnings Before Interest Taxes and Depreciation Amortization EBITDA  7.11 B  7.85 B  10.48 B  8.72 B  11.46 B  9.95 B  
Earnings Before Interest Taxes and Depreciation Amortization USD  7.11 B  7.85 B  10.48 B  8.72 B  11.46 B  9.95 B  
Earnings before Tax  6.52 B  7.2 B  9.73 B  7.76 B  10.31 B  9.02 B  
Average Equity  5.84 B  5.53 B  5.25 B  6.01 B  6.7 B  6.1 B  
Enterprise Value  159.05 B  193.29 B  302.7 B  356.62 B  358.68 B  287.61 B  
Free Cash Flow  5.24 B  5.72 B  7.46 B  6.52 B  8.65 B  7.38 B  
Invested Capital  6.79 B  7.94 B  12.06 B  15.89 B  17.78 B  19.18 B  
Invested Capital Average  7.28 B  8.02 B  11 B  16.31 B  18.04 B  19.46 B  
Market Capitalization  160.24 B  194.84 B  301.24 B  355.84 B  353.05 B  285.57 B  
Tangible Asset Value  17.17 B  20.96 B  23.8 B  26.87 B  26.34 B  23.87 B  
Working Capital  5 B  4.58 B  5 B  7.27 B  3.79 B  4.84 B 
Mastercard ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower socialengagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Mastercard's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Mastercard's managers, analysts, and investors.Environment Score  Governance Score  Social Score 
Mastercard Fundamentals
Return On Equity  151.18 %  
Return On Asset  20.79 %  
Profit Margin  46.48 %  
Operating Margin  60.33 %  
Current Valuation  350.11 B  
Shares Outstanding  974.71 M  
Shares Owned by Insiders  11.00 %  
Shares Owned by Institutions  78.53 %  
Number of Shares Shorted  5.37 M  
Price to Earning  43.97 X  
Price to Book  52.47 X  
Price to Sales  16.84 X  
Revenue  20.86 B  
Gross Profit  18.88 B  
EBITDA  12.59 B  
Net Income  9.7 B  
Cash and Equivalents  6.36 B  
Cash per Share  6.58 X  
Total Debt  14.48 B  
Debt to Equity  2.31 %  
Current Ratio  1.26 X  
Book Value Per Share  6.81 X  
Cash Flow from Operations  9.97 B  
Short Ratio  1.79 X  
Earnings Per Share  8.13 X  
Price to Earnings To Growth  1.47 X  
Number of Employees  24 K  
Beta  1.03  
Market Capitalization  351.27 B  
Total Asset  16.25 B  
Retained Earnings  36.67 B  
Working Capital  4.71 B  
Current Asset  10.98 B  
Current Liabilities  6.27 B  
Z Score  18.2  
Five Year Return  0.50 %  
Last Dividend Paid  1.96 
About Mastercard Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Mastercard's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Mastercard using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Mastercard based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.Mastercard Incorporated, a technology company, provides transaction processing and other paymentrelated products and services in the United States and internationally. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York. Mastercard operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 24000 people.
Mastercard Investors Sentiment
The influence of Mastercard's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decisionmaking process regarding taking a position in Mastercard. The overall investor sentiment generally increases the direction of a stock movement in a oneyear investment horizon. However, the impact of investor sentiment on the entire stock markets does not have a solid backing from leading economists and market statisticians.
Investor biases related to Mastercard's public news can be used to forecast risks associated with investment in Mastercard. The trend in average sentiment can be used to explain how an investor holding Mastercard can time the market purely based on public headlines and social activities around Mastercard. Please note that most equiteis that are difficult to arbitrage are affected by market sentiment the most.
Mastercard's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Mastercard's and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average Mastercard's news discussions. The higher the estimate score, the more favorable is the investor's outlook on Mastercard.
Mastercard Implied Volatility  36.2 
Mastercard's implied volatility exposes the market's sentiment of Mastercard stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if Mastercard's implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that Mastercard stock will not fluctuate a lot when Mastercard's options are near their expiration.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Mastercard in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Mastercard's short interest history, or implied volatility extrapolated from Mastercard options trading.
Becoming a Better Investor with Macroaxis
Macroaxis puts the power of mathematics on your side. We analyze your portfolios and positions such as Mastercard using complex mathematical models and algorithms, but make them easy to understand. There is no real person involved in your portfolio analysis. We perform a number of calculations to compute absolute and relative portfolio volatility, correlation between your assets, value at risk, expected return as well as over 100 different fundamental and technical indicators.Build Optimal Portfolios
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Additionally, see Mastercard Piotroski F Score and Mastercard Valuation analysis. Note that the Mastercard information on this page should be used as a complementary analysis to other Mastercard's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Bond Analysis module to evaluate and analyze corporate bonds as a potential investment for your portfolios..
Complementary Tools for Mastercard Stock analysis
When running Mastercard price analysis, check to measure Mastercard's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Mastercard is operating at the current time. Most of Mastercard's value examination focuses on studying past and present price action to predict the probability of Mastercard's future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move Mastercard's price. Additionally, you may evaluate how the addition of Mastercard to your portfolios can decrease your overall portfolio volatility.
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Is Mastercard's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Mastercard. If investors know Mastercard will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Mastercard listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth YOY 0.13  Market Capitalization 345.5 B  Quarterly Revenue Growth YOY 0.21  Return On Assets 0.21  Return On Equity 1.51 
The market value of Mastercard is measured differently than its book value, which is the value of Mastercard that is recorded on the company's balance sheet. Investors also form their own opinion of Mastercard's value that differs from its market value or its book value, called intrinsic value, which is Mastercard's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Mastercard's market value can be influenced by many factors that don't directly affect Mastercard's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Mastercard's value and its price as these two are different measures arrived at by different means. Investors typically determine Mastercard value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Mastercard's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.