MA

MastercardB

NYSE / Financial Services

At close

2026-07-18

Current thesis

Sustained TPV growth, faster cross-border and travel recovery, continued buybacks, and expansion of value‑added services drive margin expansion and multiple re-rating toward analyst highs.

Posture

Constructive

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite, 7D delta -7.8.

What can break

Disruption from alternative payment rails or rapid fintech adoption

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $660.00 · Bull $768.00 · Bear $520.00

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-01-09 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $644.59

Why

Momentum50 · Δ7d +1.6

Value49 · Δ7d -9.4

Sentiment66 · Δ7d -7.8

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Sentiment · See AI snapshot

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+1.6

Δ21d

+15.5

Value

39% active weight

Current posture

7d trendSoftening

Δ7d

-9.4

Δ21d

+0.6

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-7.8

Δ21d

-11.6

Why this grade

Composite grade B. Momentum 50.0 / Value 49.4 / Sentiment 65.7

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$480.32B

Beta

0.84

Shares Out

883.58M

P/E (TTM)

36.4

P/S (TTM)

16.22

P/FCF (TTM)

37.47

Rev YoY

+16.2%

EPS YoY

+21.1%

Gross Margin

+96.6%

Op Margin

+57.0%

Net Debt

$8.22B

Current Ratio

0.98

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology