MA stock verdict - Avoid
MA
Mastercard Incorporated
AVOIDFinancial Services
$569.29
Fundamentals below bar
$569.29
Heavy$255.28Buy$340.38Fair$425.47Exit$510.56
FUNDAMENTAL47
TECHNICAL85
TRUST SCORE
100High
confidence in this read — data completeness, earnings quality & coverage
Uptrend · EMA20 558.21 · EMA50 539.0 · EMA200 529.13 · RSI 62.1 · MACD below signal
PROS
- Strong return on equity of 263.7% (TTM)
- Revenue grew 13.8%/yr on average over the last 3 years
- TTM EPS grew 22.6% year-over-year
- Balance sheet holds net cash (cash exceeds total debt)
- Converts 46% of revenue into free cash flow
CONS
- Trades above the model's exit level ($510.56) — overvalued on this framework
- Expensive on trailing earnings (P/E 31.3×)
- High leverage — debt-to-equity of 4.39
✳ Pros and cons are machine-generated from the latest fundamentals and technicals.
EARNINGS QUALITY · we check the accounting so you don't have to
✓Operating cash flow is 118% of net income — profit is backed by real cash
✓Low accruals — reported profit tracks the cash actually generated
✓Receivables growing in line with sales
Analysis as of 2026-08-16 · price live, fundamentals from latest filings
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FAQ
Why is MA rated Avoid?
MA (Mastercard Incorporated) is rated Avoid because the model combines fundamentals, price action, and earnings-quality checks. The current signal is Fundamentals below bar. Strong return on equity of 263.7% (TTM) and Revenue grew 13.8%/yr on average over the last 3 years
Is MA overvalued right now?
MA is trading at $569.29 versus an estimated fair value of $425.47. That puts the stock in avoid territory on this framework. Trades above the model's exit level ($510.56) — overvalued on this framework and Expensive on trailing earnings (P/E 31.3×)
What should I watch before acting on MA?
Watch the trust score of 100, the earnings-quality checks, and any red flags. Trades above the model's exit level ($510.56) — overvalued on this framework and Expensive on trailing earnings (P/E 31.3×)