MA

Mastercard Incorporated ·NYSE·Financial Services
559.81 live · 2026-08-12 15:59

Structural scoring is not meaningful for this business

Structural scoring uses gross margin, free cash flow and Altman Z — measures built for operating companies. For banks, insurers and asset managers they produce artifacts, because the cash-flow statement is dominated by lending and deposit flows rather than operations. Treat the structural and composite figures below as not comparable with other sectors, in either direction.

  • Cost of goods sold is not reported, so gross margin reads as 100%

Some scores are at the bottom of their range

This score sits at the bottom of the 0–100 range. The underlying calculation was negative, so the displayed value is a floor, not a measurement of zero.

  • Tactical Score: displayed 0, underlying value -5.5
52.4% not comparable
Brown Bear Score
85.0% not comparable
Business Conviction Score
21.3%
Position Health Score
18.5%
Chase Risk
Daily closes

Daily closes · 1Y (252 sessions) · -2.5% · range 471.55–598.96

The Businesswhat the company reports

Business & cash flow

FCF / assets 31.7%
OCF / assets 32.6%
FCF / revenue 53.8%
Gross margin 100.0%
ROIC 61.5%
Forward P/E 24.3

FCF/assets and OCF/assets are the cash-flow measures Brown Bear's own testing found to survive; FCF/revenue is shown alongside for context. Assets are from the latest annual filing (FY2025).

Price vs Earnings growth

Forward EPS growth has outpaced trailing price return by +29.4pp

Confidence 95.0/100

Takeaway Earnings growth is outpacing price — consistent with the stock not yet fully reflecting its improving forward estimates.

Reported earnings

Next report 2026-10-28 before the open · consensus EPS 5.30

Q2 23 revenue: 6.27bnQ3 23 revenue: 6.53bnQ3 23Q4 23 revenue: 6.55bnQ1 24 revenue: 6.35bnQ1 24Q2 24 revenue: 6.96bnQ3 24 revenue: 7.37bnQ3 24Q4 24 revenue: 7.49bnQ1 25 revenue: 7.25bnQ1 25Q2 25 revenue: 8.13bnQ3 25 revenue: 8.60bnQ3 25Q4 25 revenue: 8.81bnQ1 26 revenue: 8.40bnQ1 26

Revenue Derived Q4

12 quarters to Q1 26. Revenue and net income share one scale, so the gap between them is the margin.

Quarter endingRevenueYoY Net incomeEPS (GAAP) EPS reportedvs consensus Filed
2026-03-31 8.40bn +15.8% 4.60 +1.5% 2026-04-30
2025-12-31 (derived) 8.81bn +17.6% 4.76 +8.8% 2026-02-11
2025-09-30 8.60bn +16.7% 4.38 -1.6% 2025-10-30
2025-06-30 8.13bn +16.8% 2025-07-31

Earnings response

Typical move around a filing ±2.3%
On an ordinary two days ±1.0% — filings move it 2.3× as much
Direction 5 up, 6 down over 11 filings
Revenue change and price reaction, by quarter
Q3 22 revenue +17.1% year on yearQ3 22 filed 2022-10-27: price +3.1%Q1 23 revenue -28.4% year on yearQ1 23 filed 2023-04-27: price +3.6%Q1 23Q2 23 revenue -28.0% year on yearQ2 23 filed 2023-07-27: price -2.3%Q3 23 revenue -28.7% year on yearQ3 23 filed 2023-10-26: price -5.8%Q3 23Q1 24 revenue +10.4% year on yearQ1 24 filed 2024-05-01: price -2.2%Q2 24 revenue +11.0% year on yearQ2 24 filed 2024-07-31: price +3.3%Q2 24Q3 24 revenue +12.8% year on yearQ3 24 filed 2024-10-31: price -1.1%Q1 25 revenue +14.2% year on yearQ1 25 filed 2025-05-01: price +2.1%Q1 25Q2 25 revenue +16.8% year on yearQ2 25 filed 2025-07-31: price +0.1%Q3 25 revenue +16.7% year on yearQ3 25 filed 2025-10-30: price -0.5%Q3 25Q1 26 revenue +15.8% year on yearQ1 26 filed 2026-04-30: price -5.7%

Revenue up year on year Revenue down Price move around the filing separate scales — a crossing means nothing

Quarter endingFiledRevenue YoY Move around filingNext 20 sessions vs SPY
2026-03-31 2026-04-30 +15.8% -5.7% -5.3%
2025-09-30 2025-10-30 +16.7% -0.5% -1.2%
2025-06-30 2025-07-31 +16.8% +0.1% +2.6%
2025-03-31 2025-05-01 +14.2% +2.1% -0.7%

Share count

Diluted shares over time

Diluted shares Return since the previous filing

Direction Shrinking — shares retired
Diluted shares 893.0M as at 2026-03-31
Change over 1 year -2.3%
Change over 3 years -6.6%
Public float $505.00bn as at 2025-06-30 (10-K)

The Pricewhat the chart is doingTop ↑

Price Levels

StrategyFair Value Anchor
Reference band 528.18 — 562.53
Protective stop 526.13 (Structure, 3.5% risk)
Support 531.39 (2 touches, 5.3% away)
Resistance (— away)

Takeaway The shares are about 5.3% above 531.39, a price buyers have stepped in at before. There is no ceiling to point to, because the stock is trading where it has not traded before and nobody has sold it at these levels. That floor has held 2 times, which is how it was spotted. If someone bought at today's price and sold if it dropped through the level below, they would be about 3.5% out of pocket. That is all this figure means — an illustration of the risk, not a price to sell at.

Levels are computed from price structure. They describe where the engine locates support and extension — they are not targets, and not advice.

Ichimoku Cloud (Adaptive)

Daily cloudPrice ABOVE the cloud | periods 8/24/47 (91% of classic 9/26/52)
LinesTenkan/Kijun BULL | cloud twist BULL
Cloud thickness92% percentile (thick — substantial structure)
Chikou spanAbove price from 26 periods ago
Weekly cloudPrice ABOVE the weekly cloud (context only, not scored)

Takeaway The stock is trading above its cloud — a shaded band drawn from several of its own moving averages, currently 532.86 to 556.95. Being above it means the medium-term picture is pointing upwards, and that band is the first place the stock has recent support if it slips back. Its shorter-term averages agree with that. The band is unusually wide at the moment, so it marks a broad zone rather than a single level.

Trailing returns

21 days +4.0%
63 days +12.0%
126 days +3.6%
252 days -2.4%
Below 252d high6.5%

Trend context

PositionAbove trend
ExtensionExtended
Trend slopeFlat
Direction of travelConverging back to trend

Takeaway The share price is above the level its own longer-run trend suggests is fair, and that fair level is going sideways. The gap between the two has been closing. Being stretched this far above trend measures how much room there is to fall back — it does not say the stock will stop rising.

Volatility

State No recent compression
Current band width10.5% of price
Recent tightest10.5% (0 sessions ago, narrower than 28.0% of its history)
Expansion since1.00×
Band 527.97 — 586.71

Takeaway Lately this share price has been swinging around inside a range roughly 11% wide. That is normal for this stock, so there is nothing unusual to read into it either way.

Historical trends

0255075100Share price 498.18–573.102026-06-262026-08-12
Position Health Business Conviction Share price

History begins when the site started recording, not when the company listed, so a short line means a short record and nothing more.

Repair Pathway

  1. Nearest Trigger MACD histogram acceleration turns positive repair trigger repair engine identifies this as the nearest technical repair catalyst · Deteriorating rapidly
  2. Trigger 2 Volume confirmation above 1.2x +0.20x volume confirmation would improve confidence in the pathway · Broadly stable
  3. Trigger 3 MACD bullish crossover secondary repair secondary repair catalyst could add confirmation if the primary trigger develops · Deteriorating rapidly
  4. Trigger 4 Relative momentum rank above 0.55 +0.25 rank relative momentum leadership is not yet strong enough for the next action tier · Broadly stable
  5. Trigger 5 MACD histogram above zero 2.05 gap is deteriorating · Deteriorating rapidly

Who's Tradingthe flow behind the priceTop ↑

Insider activity

ActivityNo filings in the window
Buy filings0
Sell filings0

Open-market Form 4 purchases and sales over the last 75 days, read from SEC EDGAR Form 4. Grants, option exercises, gifts and shares withheld for tax are excluded — they are compensation mechanics, not a decision to buy or sell. Reported Form 4 activity. Brown Bear tested insider cluster-buying as a return signal and rejected it as era-unstable; shown as fact, not signal.

Volume confirmation

Volume-price trend Above its signal line
Confirmation Moderate

No absorption or distribution event in the recent window.

Takeaway More shares change hands on the days this stock rises than on the days it falls. That is what you would expect to see if the rise is being driven by real buying rather than drifting up on a thin market.

Options Positioning

No binary-event flag

MA: no binary-event flag. Near IV 20%, far IV 22% (ratio 0.90), implied move 2.5%.

Implied volatility 20% near (9d) · 22% far (65d)
Term structure 0.90× near/far
Historical volatility 23%
Implied vs historical 0.85×
Implied move ±2.5% by 2026-08-21
Implied move vs ATR 0.44×
Skew Flat (0.95×)
Call wall 600.00 (+7.2% away)
Put wall 450.00 (-19.6% away)
Gamma pin 450.00

Takeaway Insuring against a move in this stock costs less for the next few weeks than for the next few months, which is the normal state of affairs and suggests no particular date is worrying anyone. Options traders are positioned for a move of around 2.5% in either direction by 2026-08-21.

Chain as at 2026-08-12. This is a risk read on whether a specific event is being priced — not a directional view.

Context & Methodthe record, and how it was builtTop ↑

Relative Rotation

ImprovingLeadingLaggingWeakeningvs sectorvs SPYsector vs SPYRS-Ratio →RS-Momentum →

Stock Rotation Headwind

Rotation health 13.7/100; Severe Rotation Headwind.

Rotation health 13.7
Rotation strength 82.4
LegQuadrantRS-RatioRS-Mom
Stock vs sector Lagging 98.1 88.3
Stock vs SPY Lagging 82.6 81.8
Sector vs SPY Lagging 76.4 91.0

Direction of travel: South-West / deteriorating rotation

Position only. Brown Bear's RRG redesign programme is closed — five constructions, none beat an appropriate null — so this section describes where the name sits, and is not a signal.

News Headlines

  1. Loading headlines\u2026

Headlines are supplied by third-party feeds and are not written, ranked or interpreted by Brown Bear. They feed no score on this page.

Detailed Scoring

Positive signals

  • Piotroski F-score 6/9 (+15.0)
  • Altman Z-score 15.85 (+10.0)
  • Insider conviction score (+5.0)
  • Gross margin quality: 100.0% (+22.0)
  • ROIC quality: 61.5% (+30.0)
  • FCF margin quality: 53.8% (+20.0)
  • Gross margin improving by 23.7 pts (+5.0)
  • ROIC improving by 6.4 pts (+5.0)
  • High earnings quality (accrual ratio -0.049) (+2.0)
  • Accrual ratio improving (-0.04 -> -0.05) (+5.0)
  • Track 1: bullish DI spread 25.3 (+8.0)
  • Track 1: ADX 40.5 and rising (+10.0)
  • Track 1: EMA20 reclaim distance 0.7% (+7.5)
  • Track 1: EMA20 slope improving 0.9% (+2.4)
  • Track 1: RSI recovery 69.3, 5-day change +7.9 (+1.6)
  • Track 1: VPT strength 0.24 (+4.8)
  • Track 1: price above EMA50 by 4.3% (+2.7)
  • Track 1: EMA50 slope improving 3.0% (+3.0)
  • Track 1: EMA50 support proximity 4.3% (+1.4)
  • Track 1: EMA200 support proximity 5.9% (+2.8)
  • Track 1: Bollinger position 0.54 (+3.7)

Negative signals

  • Track 1: weak MACD histogram (-2.05)
  • Relative strength versus sector deteriorating
  • Track 1: negative 20-day momentum acceleration (-0.05)
  • Weak relative momentum rank (0.30)
  • Track 1: Bearish MACD divergence
  • Track 1: MACD histogram deteriorating (-3.49)
  • Track 1: weak MACD line/signal structure (-8.0)
  • Track 1: MACD slope deteriorating (-5.0)

Chase risk is not elevated for this name, so extension penalties are omitted from the negative signals above.