FRA/M4I (FRA/M4I)

Frankfurt Stock Exchange: FRA/M4I · EUR

€548

-2.42 (-0.4%)· Recorded snapshot

Market cap	479.5B
Revenue (ttm)	30.7B
Net income (ttm)	14.2B
EPS (ttm)	€16.3
P/E (trailing)	33.5x
P/E (forward)	28.9x
Dividend	€3.03 (0.55%)
Volume	1

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 30.7B
Net income (ttm): 14.2B
EPS (ttm): €16.3
P/E (trailing): 33.5x
P/E (forward): 28.9x
Market cap: 479.5B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E28.9

P25 n/aP50 n/aP75 n/a

Trailing P/E33.5

P25 n/aP50 n/aP75 n/a

ROE241.2

P25 n/aP50 n/aP75 n/a

ROIC93.8

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All FRA/M4I indicators

Market & fundamental data

Available fields

260

Groups with data

Currency

USD

Showing 260 of 260 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	United States
Country code	DE
Earnings date	2026-10-29
Employees	39,800
Employees change	4,500
Employees growth	12.75%
Enterprise value	EUR 491B
Exchange	Frankfurt Stock Exchange
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1966
Industry	Credit Services
Is primary listing	No
ISIN number	US57636Q1040
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split date	2014-01-22
Last stock split type	Forward
Market cap	EUR 479.5B
Next earnings date	2026-10-29
Price	EUR 547.60
Price currency	EUR
Sector	Financials
SIC code	7389
Stock price date	2026-10-27
Symbol	fra/M4I
Website	https://www.mastercard.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	37.32x
Average P/E ratio (3Y)	34.86x
Average P/E ratio (5Y)	35.19x
Earnings yield	2.98%
EV/Earnings	34.51x
EV/EBIT	26.05x
EV/EBITDA	24.64x
EV/FCF	33.59x
EV/Sales	15.6x
FCF / EV yield	2.98%
FCF yield	3.05%
Forward P/E	28.92x
Graham number	45.26806
Graham upside	-91.73%
Lynch fair value	EUR 287.92
Lynch upside	-47.42%
P/(FCF - SBC) ratio	34.05x
P/(OCF - SBC) ratio	32.56x
P/B ratio	97.71x
P/E ratio	33.5x
P/FCF ratio	32.8x
P/OCF ratio	31.42x
P/S ratio	15.61x
Price/EBITDA ratio	24.67x
Sector forward P/E	11.95x
Sector P/E	12.95x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	59.88%
EBITDA margin	63.28%
Effective tax rate	19.41%
FCF margin	46.36%
Gross margin	100%
Operating margin	59.88%
Pretax margin	57.5%
Profit margin	46.34%
Profit per employee	EUR 357,531
Profitable quarters	71
Profitable years	17
Revenue per employee	EUR 771,562
ROA	24.06%
ROA (5Y)	21.52%
ROCE	64.26%
ROE	241.2%
ROE (5Y)	167.33%
ROIC	93.78%
ROIC (5Y)	83.68%
SBC / revenue	1.75%
Tax / revenue	11.16%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	22.61%
EPS growth (Q)	22.11%
EPS growth (QoQ)	14.25%
EPS growth 10Y	18.22%
EPS growth 3Y	19.45%
EPS growth 5Y	20.36%
EPS growth quarters	13
EPS growth years	5
FCF growth	0.91%
FCF growth (Q)	-23.69%
FCF growth (QoQ)	22.39%
FCF growth 3Y	14.45%
FCF growth 5Y	17.83%
Gross profit growth	16.01%
Gross profit growth (Q)	14.07%
Gross profit growth 3Y	14.14%
Gross profit growth 5Y	16.09%
Net income growth	19.66%
Net income growth (Q)	18.56%
Net income growth (QoQ)	13.03%
Net income growth 3Y	16.7%
Net income growth 5Y	17.72%
Net income growth quarters	13
Net income growth years	5
OCF growth	2.86%
OCF growth (Q)	-18.03%
OCF growth (QoQ)	25.81%
OCF growth 10Y	14.69%
OCF growth 3Y	14.64%
OCF growth 5Y	17.95%
Operating income growth	18.27%
Operating income growth (Q)	16.33%
Operating income growth 3Y	15.94%
Operating income growth 5Y	18.95%
Revenue growth	16.01%
Revenue growth (Q)	14.07%
Revenue growth (QoQ)	10.47%
Revenue growth 10Y	13.16%
Revenue growth 3Y	14.14%
Revenue growth 5Y	16.09%
Revenue growth quarters	22
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -643.3M
Depreciation and amortization	EUR 1.1B
EBIT	EUR 18.4B
EBITDA	EUR 19.4B
EPS	EUR 16.34
Financing cash flow	EUR -11.6B
Free cash flow	EUR 14.6B
Free cash flow minus SBC	EUR 14.1B
Gross profit	EUR 30.7B
Income taxes	EUR 3.4B
Investing cash flow	EUR -1.5B
Net borrowing	EUR 5.1B
Net cash flow	EUR 2.1B
Net income	EUR 14.2B
Operating cash flow minus SBC	EUR 14.7B
Operating income	EUR 18.4B
Revenue	EUR 30.7B
Stock-based compensation	EUR 538.3M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	9.65
Book value per share	EUR 5.60
Debt / EBITDA	1.11
Debt / equity	4.4
Debt / FCF	1.48
Goodwill	EUR 8.5B
Interest coverage	28.08
Long-term assets	EUR 26.7B
Long-term liabilities	EUR 23.1B
Net cash (debt)	EUR -11.3B
Net cash / market cap	-2.35%
Net debt / EBITDA	0.58
Net debt / equity	2.3
Net debt / FCF	0.77
Piotroski F-Score	4
Property, plant and equipment	EUR 2.3B
Shareholders' equity	EUR 4.9B
Tangible book value	EUR -8.2B
Tangible book value per share	EUR -9.33
Total assets	EUR 50.5B
Total cash	EUR 10.2B
Total debt	EUR 21.6B
Total liabilities	EUR 45.6B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.64
Current assets	EUR 23.8B
Current liabilities	EUR 22.5B
Current ratio	1.06
Net working capital	EUR -6.7B
Quick ratio	0.67
Working capital	EUR 1.3B
Working capital turnover	13.27

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	2.35%
Dividend growth	10.68%
Dividend growth (10Y)	16.02%
Dividend growth (3Y)	12.51%
Dividend growth (5Y)	15.37%
Dividend growth years	14
Dividend payment date	2026-11-09
Dividend payment years	21
Dividend payout frequency	Quarterly
Dividend per share	EUR 3.03
Dividend yield	0.55%
Ex-dividend date	2026-10-09
Last dividend	EUR 0.78
Payout ratio	17.96%
Shareholder yield	2.9%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	479.12%
10Y return CAGR	19.9%
10Y total return	513.9%
150-day SMA	EUR 468.37
15Y price change	2,230.21%
15Y return CAGR	24.06%
15Y total return	2,437.77%
1D price change	-0.44%
1M price change	10.6%
1M total return	10.77%
1W price change	-1.23%
1W total return	-1.23%
1Y price change	10.31%
1Y return CAGR	11.03%
1Y total return	11.02%
20-day SMA	EUR 530.41
200-day SMA	EUR 462.26
20Y price change	9,796.98%
20Y return CAGR	26.46%
20Y total return	10,846.57%
3M price change	16.46%
3M total return	16.64%
3Y price change	58.36%
3Y return CAGR	17.25%
3Y total return	61.21%
50-day SMA	EUR 510.83
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 566.60
52-week high date	2026-10-23
52-week low	EUR 400.00
52-week low date	2026-06-03
5Y price change	74.9%
5Y return CAGR	12.5%
5Y total return	80.18%
6M price change	27.82%
6M total return	28.23%
All-time high	EUR 566.60
All-time high date	2026-10-23
All-time low	EUR 3.13
All-time low date	2006-05-25
Average true range (ATR)	EUR 7.53
Average volume	79.9
Change from 52-week high	-3.35%
Change from 52-week low	36.9%
Change from all-time high	-3.35%
Change from all-time low	17,395.21%
Change from open	-0.15%
Day's gap	-0.29%
Dollar volume	EUR 548
High price	EUR 548.40
Low price	EUR 546.80
Monthly RSI	64.83
Open price	EUR 548.40
Position in 52-week range	50%
Previous close	EUR 550.00
Price vs 150-day SMA	16.92%
Price vs 20-day SMA	3.24%
Price vs 200-day SMA	18.46%
Price vs 50-day SMA	7.2%
Relative volume	0.01
RSI	64.08
Sharpe ratio	0.48
Sharpe ratio (3Y)	0.6
Sharpe ratio (5Y)	0.42
Sortino ratio	0.94
Sortino ratio (3Y)	1.12
Sortino ratio (5Y)	0.81
Volume	1
Weekly RSI	67.36
YTD price change	11.15%
YTD total return	11.86%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	868.3M
Shares change (QoQ)	-1.12%
Shares change (YoY)	-2.35%
Shares held by insiders	0.03%
Shares held by institutions	89.33%
Short ratio	2.4 days

Deeper analysis on FRA/M4I

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this FRA/M4I report

Is a complete FRA/M4I research report available?

No complete published report is available for fra/M4I (FRA/M4I) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

FRA/M4I (FRA/M4I)

Price

Financial snapshot

Fair-value bridge

Latest news · FRA/M4I

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All FRA/M4I indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on FRA/M4I

Frequently asked questions