What is the 13F Pro Quality Score for MA?

13F Pro ranks Mastercard Inc (MA) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View MA's current score at https://13fpro.ai/company/MA (free sign-up required for the full ranking).

Where does 13F Pro source MA data?

All Mastercard Inc fundamentals and ownership data come directly from SEC EDGAR. Mastercard Inc files with the SEC under CIK 1141391. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is MA in?

Mastercard Inc (MA) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives MA's revenue?

Per Mastercard Inc's latest 10-Q filed with the SEC on 2026-07-30, the biggest revenue drivers are: Payment network ($5.5B, +10% YoY); Value-added services and solutions ($3.8B, +20% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/MA.

What are MA's largest expenses?

Mastercard Inc's latest 10-Q reports these as the largest expense items: General and administrative ($3.1B, +11% YoY); Depreciation and amortization ($309M, +10% YoY); Advertising and marketing ($217M, +2% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is MA research updated on 13F Pro?

MA's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Mastercard Inc(MA)Stock Analysis

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SEC EDGAR: CIK 1141391 MA stock profile & AI dashboard →

13F Pro Quality Score

85.1/100

Rank #6 of 2,961 stocksTOP 1%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

73.5/100

Profitability

97.2/100

Balance Sheet

98.4/100

Earnings Quality

38.0/100

Free Cash Flow

94.0/100

Institutional Flow

98.7/100

Revenue Scale

95.6/100

Dilution Risk

41.8/100

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Why MA Scores 85/100

exact factor attribution · 2026-09-11

MA's composite is driven by profitability and scale, held back by earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.4 pts

97th pct

Scale

+9.1 pts

96th pct

Free cash flow

+6.6 pts

94th pct

Capital efficiency

+6.5 pts

98th pct

Revenue growth

+6.3 pts

74th pct

Institutional flow

+3.3 pts

99th pct

Earnings growth

+1.2 pts

68th pct

Shareholder dilution

-0.6 pts

42th pct

Earnings quality

-1.2 pts

38th pct

Latest change (2026-07-30): 82 → 79 · ↓ Revenue growth 73→59

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

MA Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Mastercard Inc (MA), a Financials sector company. 13F Pro's AI-powered ranking engine scores MA at 85.1/100 on a 32-signal composite quality model, placing it at rank #6 of 2,961 stocks — the top 1% of the AI-ranked universe. MA scores in the top quartile across institutional flow (98.7), balance sheet strength (98.4), profitability (97.2). Areas of concern include earnings quality (38.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 41.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Mastercard Inc reports quarterly revenue of $9.3B, net income of $4.4B, an operating margin of 60.2%. Top institutional holders of MA by reported 13-F value include BlackRock, Mastercard Foundation Asset Management, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. MA trades on the NYSE exchange and files with the SEC under CIK 1141391. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate MA daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Mastercard Inc directly from SEC EDGAR. Mastercard Inc's 13F Pro composite quality score has ranged between 73 and 89 since 2021, currently 85.1 — a declining long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about Mastercard Inc

Quirks, history, and lore behind MA — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · mega-cap · listed on the NYSE · headquartered in New York State.
2
The Numbers
Annual revenue around $25 billion, with net margins that make most industries weep — yet it owns no credit and carries essentially zero lending risk itself.
3
The History
Born in the 1960s as a consortium of banks trying to compete with a rival card network, it eventually became a publicly traded company on the NYSE in 2006.
4
The Secret
It makes money every time you tap, swipe, or click — charging a tiny toll on trillions of dollars in transactions without ever lending you a dime.
5
The Lore
Its iconic two overlapping circles logo — red and yellow — is one of the most recognized symbols on Earth, appearing on over 3 billion cards worldwide.
6
The Giveaway
There are some things money can't buy — for everything else, there's the card with the interlocking red-and-orange circles and that famously "Priceless" ad campaign.

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What's Driving MA's Business? Latest 10-Q Breakdown

AI-extracted from Mastercard Inc's 10-Q filed 2026-07-30 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Mastercard Q2 revenue grew 14% to $9.3B, driven by 10% payment network growth and 20% value-added services expansion amid strong transaction volume and cross-border activity.

Biggest Revenue Drivers

Payment network$5.5B+10% YoY

Growth in domestic and cross-border dollar volumes and increased switched transactions.

Value-added services and solutions$3.8B+20% YoY

Growth in security solutions, digital and authentication solutions, and pricing improvements.

Biggest Revenue Drivers

Total revenue: $9.3B+14% YoY

Payment network$5.5B+10% YoY

Growth in domestic and cross-border dollar volumes and increased switched transactions.

Value-added services and solutions$3.8B+20% YoY

Growth in security solutions, digital and authentication solutions, and pricing improvements.

Largest Expense Items

General and administrative$3.1B+11% YoY

Higher personnel and data processing costs to support strategic initiatives; includes restructuring charge in H1.

Depreciation and amortization$309M+10% YoY

Higher capitalized software amortization in line with business growth.

Advertising and marketing$217M+2% YoY

Modest increase in marketing expenditures.

Watch Items from the Filing

U.S. merchant litigation concentration: Block and Intuit seek over $5B in aggregate damages; two opt-out merchants seek $250M+. Multiple matters scheduled for resolution in 2026.
European merchant litigation: Over £0.5B (~$0.7B) in unresolved U.K./Pan-European damages claims; Portugal and Netherlands collective actions filed for ~€0.7B combined damages.
BVNK acquisition pending regulatory approval: $1.5B acquisition plus up to $300M contingent consideration expected to close by Q3 2026 to expand digital assets ecosystem.
Cross-border volume growth accelerating at 14% USD (+12% local currency), outpacing domestic at 6%, indicating strong international expansion and travel recovery.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$9.3B

Net Income

Q2 2026

$4.4B

Free Cash Flow

Q2 2026

$3.5B

Operating Margin

Q2 2026

60.2%

ROIC

Q2 2026

73.9%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+16.4% YoY

$32.79BFY 2025

FY22 $22.24BFY23 $25.10BFY24 $28.17BFY25 $32.79B

Net Income

+16.3% YoY

$14.97BFY 2025

FY22 $9.93BFY23 $11.20BFY24 $12.87BFY25 $14.97B

Operating Income

+21.3% YoY

$18.90BFY 2025

FY22 $12.26BFY23 $14.01BFY24 $15.58BFY25 $18.90B

EPS (Diluted)

+18.9% YoY

$16.52FY 2025

FY22 $10.22FY23 $11.83FY24 $13.89FY25 $16.52

Total Assets

+12.6% YoY

$54.16BFY 2025

FY22 $38.72BFY23 $42.45BFY24 $48.08BFY25 $54.16B

Total Debt

+4.2% YoY

$19.00BFY 2025

FY22 $14.02BFY23 $15.68BFY24 $18.23BFY25 $19.00B

Op. Cash Flow

+19.4% YoY

$17.65BFY 2025

FY22 $11.20BFY23 $11.98BFY24 $14.78BFY25 $17.65B

Free Cash Flow

+19.9% YoY

$17.16BFY 2025

FY22 $10.75BFY23 $11.61BFY24 $14.31BFY25 $17.16B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$32.79B +16.4%	$28.17B +12.2%	$25.10B +12.9%	$22.24B +17.8%	$18.88B +23.4%	$15.30B
Net Income	$14.97B +16.3%	$12.87B +15.0%	$11.20B +12.7%	$9.93B +14.3%	$8.69B	—
Operating Income	$18.90B +21.3%	$15.58B +11.2%	$14.01B +14.2%	$12.26B +21.6%	$10.08B +24.8%	$8.08B
EPS (Diluted)	$16.52 +18.9%	$13.89 +17.4%	$11.83 +15.8%	$10.22 +16.7%	$8.76 +37.5%	$6.37
Total Assets	$54.16B +12.6%	$48.08B +13.3%	$42.45B +9.6%	$38.72B +2.8%	$37.67B +12.2%	$33.58B
Total Debt	$19.00B +4.2%	$18.23B +16.2%	$15.68B +11.8%	$14.02B +0.9%	$13.90B +9.7%	$12.67B
Operating Cash Flow	$17.65B +19.4%	$14.78B +23.4%	$11.98B +7.0%	$11.20B +18.3%	$9.46B +31.0%	$7.22B
Free Cash Flow	$17.16B +19.9%	$14.31B +23.2%	$11.61B +8.0%	$10.75B +18.7%	$9.06B +31.5%	$6.88B

AI Insight: MA Financial Trends

Revenue growth accelerating but leverage spike and equity erosion signal debt-funded expansion strategy.

• Revenue grew 25.9% from Q3 2024 ($7,369M) to Q2 2026 ($9,277M), with Q2 2026 marking strongest quarter.

• Operating income expanded 39.3% from Q3 2024 ($4,004M) to Q2 2026 ($5,587M), demonstrating margin expansion.

• Total debt surged 34.2% from Q3 2024 ($18,358M) to Q2 2026 ($24,643M) while equity contracted 24.6%.

⚠ Debt-to-equity ratio deteriorated sharply: 2.47x in Q3 2024 to 4.39x in Q2 2026. Leverage at 8-quarter high.

⚠ Operating cash flow volatility persists; Q1 2026 and Q2 2026 CF ($2,999M, $3,773M) remain below historical run-rate despite revenue gains.

AI Insight: MA Ratio Trends

Operating margin surged to 60.2% in Q2 2026, while ROIC climbed to 76.4% in Q1 2026—but leverage spiked to 4.39x D/E, erasing recent deleveraging.

• Operating margin expanded from 54.3% in Q3 2024 to 60.2% in Q2 2026, a 590bp improvement across the trend.

• ROIC surged from 62.1% in Q3 2024 to peak of 76.4% in Q1 2026, demonstrating exceptional capital efficiency.

• Debt-to-equity ratio jumped from 2.40x in Q3 2025 to 4.39x in Q2 2026, reversing 5 quarters of deleveraging.

⚠ D/E spike to 4.39x in latest quarter marks sharp reversal from 2.40x lows—monitor whether this reflects strategic leverage or deteriorating balance sheet discipline.

⚠ OpMargin dipped to 55.8% in Q4 2025 before recovering to 60.2% in Q2 2026—volatility warrants scrutiny on sustainability.

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Available Research

13F Pro tracks comprehensive data for Mastercard Inc including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of MA

BlackRock, Inc.
$34.1B66,393,565 sh
Mastercard Foundation Asset Management Corp
$31.0B60,347,774 sh
VANGUARD CAPITAL MANAGEMENT LLC
$26.8B52,122,015 sh
STATE STREET CORP
$19.0B36,964,305 sh
JPMORGAN CHASE & CO
$14.4B28,228,027 sh
FMR LLC
$12.2B23,843,483 sh
GEODE CAPITAL MANAGEMENT, LLC
$11.0B21,512,085 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$9.8B19,163,628 sh
PRICE T ROWE ASSOCIATES INC /MD/
$9.5B18,527,027 sh
MORGAN STANLEY
$7.7B15,001,503 sh

Fund	Value	Shares
BlackRock, Inc.	$34.1B	66,393,565
Mastercard Foundation Asset Management Corp	$31.0B	60,347,774
VANGUARD CAPITAL MANAGEMENT LLC	$26.8B	52,122,015
STATE STREET CORP	$19.0B	36,964,305
JPMORGAN CHASE & CO	$14.4B	28,228,027
FMR LLC	$12.2B	23,843,483
GEODE CAPITAL MANAGEMENT, LLC	$11.0B	21,512,085
VANGUARD PORTFOLIO MANAGEMENT LLC	$9.8B	19,163,628
PRICE T ROWE ASSOCIATES INC /MD/	$9.5B	18,527,027
MORGAN STANLEY	$7.7B	15,001,503

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Is MA a good stock to buy?

13F Pro's AI-powered analysis of Mastercard Inc (MA) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for MA are available on the MA stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. MA is classified as a mega company.

Which hedge funds own MA?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling MA. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Mastercard Inc's investment landscape.