Company financials

Mastercard

Financials Transaction & Payment Processing Services Harrison, New York Last filing Feb 11, 2026 · FY2025

                    Revenue
                    FY2025
                
$32.8B
                    3y CAGR +13.8%
                    
                    P55
                    
                    +16.4%
                    
                    Net income
                    FY2025
                
$15.0B
                    Net margin +45.6%
                    
                    P90
                    
                    +16.3%
                    
                    Total assets
                    FY2025
                
$54.2B
                    ROA +27.6%
                    
                    P100
                    
                    +12.6%
                    
                    Operating cash flow
                    FY2025
                
$17.6B
                    FCF margin +50.1%
                    
                    P79
                    
                    +19.4%

19 yrs · FY2007–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s revenue.

Balance Sheet

Assets, liabilities, and equity

28 accounts · 10 years

Total assets $54.2B

Total liabilities $46.4B

Shareholders equity $7.7B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	33.9%	31.7%	34.3%	34.2%	42.4%	69.9%	44.8%	48.4%	51.8%	67.4%
Accounts Receivable	19.0%	19.9%	21.1%	21.1%	22.9%	28.4%	32.6%	31.6%	26.8%	23.3%
Prepaid Expenses	11.4%	10.6%	10.4%	10.5%	12.0%	12.3%	10.4%	9.6%	8.3%	7.9%
Other Current Assets	6.5%	6.7%	7.4%	7.1%	9.9%	11.1%	8.1%	7.2%	—	9.2%
Total Current Assets	71.8%	70.0%	75.5%	74.7%	89.8%	124.9%	100.1%	108.2%	110.4%	122.8%
Property,Plant and Equipment	7.0%	7.6%	8.2%	9.0%	10.1%	12.4%	10.8%	6.2%	6.6%	6.8%
Goodwill	29.2%	32.6%	30.5%	33.8%	40.6%	32.4%	23.8%	19.4%	24.3%	16.3%
Intangible Assets	16.9%	19.4%	16.3%	17.4%	19.4%	11.5%	8.4%	6.6%	9.0%	6.7%
Long Term Investments	1.0%	1.2%	2.4%	1.8%	2.5%	3.2%	4.1%	11.3%	14.8%	15.0%
Deferred Tax Assets	4.8%	5.7%	5.4%	5.2%	2.6%	3.2%	3.2%	3.8%	2.0%	2.8%
Other Noncurrent Assets	35.4%	35.4%	33.2%	34.1%	37.0%	35.1%	26.8%	22.1%	18.4%	17.9%
Total Assets	165.2%	170.7%	169.1%	174.1%	199.5%	219.5%	173.2%	166.3%	170.7%	173.3%
Liabilities
Accounts Payable	3.0%	3.3%	3.3%	4.2%	3.9%	3.4%	2.9%	3.6%	7.5%	5.7%
Accrued Liabilities	42.9%	40.2%	36.8%	40.0%	39.6%	41.0%	37.9%	42.4%	37.1%	37.5%
Current Portion of Long Term Debt	2.3%	2.7%	5.3%	1.2%	4.2%	4.2%	0.0%	3.3%	0.0%	—
Other Current Liabilities	21.2%	22.1%	19.3%	11.3%	12.1%	17.7%	21.6%	28.2%	25.8%	23.7%
Total Current Liabilities	69.4%	68.2%	64.8%	63.7%	69.7%	77.4%	70.5%	77.5%	70.4%	66.9%
Long Term Debt	55.7%	62.0%	57.2%	61.8%	69.4%	78.6%	50.5%	39.0%	43.4%	48.1%
Deferred Tax Liabilities	0.9%	1.1%	1.5%	1.8%	2.1%	0.6%	0.5%	0.4%	0.8%	0.8%
Other Noncurrent Liabilities	15.5%	16.2%	17.8%	18.1%	19.0%	20.3%	16.2%	12.6%	11.5%	4.9%
Total Liabilities	141.5%	147.6%	141.3%	145.5%	160.2%	176.9%	137.7%	129.6%	126.1%	120.6%
Equity
Additional Paid In Capital	21.1%	22.9%	23.5%	23.8%	26.8%	32.6%	28.4%	30.6%	34.9%	38.8%
Retained Earnings	259.3%	258.8%	249.3%	241.1%	241.7%	253.2%	201.3%	182.5%	179.0%	180.2%
Treasury Stock	253.8%	253.6%	240.8%	230.9%	225.5%	239.6%	190.8%	172.2%	166.2%	158.0%
Accumulated Other Comprehensive Income	-3.0%	-5.1%	-4.4%	-5.6%	-4.3%	-4.4%	-4.0%	-4.8%	-4.0%	-8.6%
Total Stockholders Equity	23.6%	23.0%	27.6%	28.3%	38.7%	41.8%	34.9%	36.1%	43.8%	52.5%
Noncontrolling Interest	0.0%	0.1%	0.2%	0.3%	0.4%	0.6%	0.1%	0.2%	0.2%	0.3%
Total Liabilitiesand Equity	165.2%	170.7%	169.1%	174.1%	199.5%	219.5%	173.2%	166.3%	170.7%	173.3%

Income Statement

Revenue, expense, and profitability

14 accounts · 10 years

Revenue $32.8B

Operating income $18.9B

Net income $15.0B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Revenues Total Revenue	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Expenses Selling,General and Administrative	37.3%	39.1%	38.9%	39.9%	42.3%	42.9%	39.7%	40.7%	43.4%	42.0%
Expenses Depreciation and Amortization	3.5%	3.2%	3.2%	3.4%	3.8%	3.8%	3.1%	3.1%	3.5%	—
Expenses Other Operating Expenses	1.5%	2.4%	2.1%	1.6%	0.5%	0.5%	0.0%	7.5%	0.1%	1.1%
Expenses Operating Expenses	42.4%	44.7%	44.2%	44.8%	46.6%	47.2%	42.8%	51.3%	47.0%	46.5%
Other Income Expense Operating Income	57.6%	55.3%	55.8%	55.2%	53.4%	52.8%	57.2%	48.7%	53.0%	53.5%
Other Income Expense Interest Expense	2.2%	2.3%	2.3%	2.1%	2.3%	2.5%	1.3%	1.2%	1.2%	0.9%
Other Income Expense Other Income/expense	1.2%	1.1%	0.8%	-0.3%	3.5%	0.4%	1.7%	0.7%	0.4%	-0.2%
Other Income Expense Income Before Tax	56.7%	54.2%	54.3%	52.8%	54.6%	50.7%	57.6%	48.2%	52.2%	52.4%
Income Tax Income Tax Expense	11.0%	8.4%	9.7%	8.1%	8.6%	8.8%	9.6%	9.0%	20.9%	14.7%
net Income net Income	45.6%	45.7%	44.6%	44.7%	46.0%	41.9%	48.1%	39.2%	31.3%	37.7%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Diluted	2.8%	3.3%	3.8%	4.4%	5.3%	6.6%	6.1%	7.0%	8.6%	10.2%

Cash Flow Statement

Operating, investing, and financing flows

23 accounts · 10 years

Operating cash flow $17.6B

Investing cash flow $-1.4B

Financing cash flow $-14.2B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Income	45.6%	45.7%	44.6%	44.7%	46.0%	41.9%	48.1%	39.2%	31.3%	37.7%
Operating Activities Depreciation and Amortization	9.9%	9.7%	9.6%	10.5%	11.1%	10.8%	9.9%	11.3%	11.5%	8.0%
Operating Activities Stock Based Compensation	1.8%	1.9%	1.8%	1.3%	1.4%	1.7%	1.5%	1.3%	1.4%	0.9%
Operating Activities Deferred Income Taxes	0.2%	-1.9%	-0.9%	-2.9%	-0.4%	0.5%	-0.0%	-1.6%	0.7%	-0.2%
Operating Activities Changes In Operating Assets and Liabilities	-4.4%	-3.7%	-7.7%	-4.1%	-4.9%	-7.5%	-10.1%	-8.8%	-1.4%	-7.1%
Operating Activities Other Non Cash Items	0.7%	0.8%	0.3%	0.8%	-3.2%	-0.1%	-0.8%	0.2%	1.8%	0.3%
Operating Activities net Cash From Operating Activities	53.8%	52.5%	47.7%	50.3%	50.1%	47.2%	48.5%	41.6%	45.3%	43.0%
Investing Activities Capital Expenditures	-3.7%	-4.2%	-4.3%	-4.9%	-4.3%	-4.6%	-4.3%	-3.4%	-3.4%	-3.5%
Investing Activities Business Acquisitions	0.0%	-8.9%	0.0%	-1.4%	-23.5%	-6.5%	-8.5%	0.0%	-9.4%	0.0%
Investing Activities Purchases of Investments	-2.6%	-2.3%	-2.9%	-2.7%	-4.8%	-4.1%	-7.8%	-12.7%	-16.1%	-16.9%
Investing Activities Proceeds From Sale of Investments	2.2%	3.4%	1.9%	2.4%	4.5%	4.1%	11.0%	12.8%	14.6%	9.9%
Investing Activities Other Investing Activities	0.0%	-0.0%	-0.0%	-0.0%	0.2%	-1.1%	-0.0%	-0.1%	-0.0%	-0.3%
Investing Activities net Cash From Investing Activities	-4.2%	-12.1%	-5.4%	-6.6%	-27.9%	-12.3%	-9.7%	-3.4%	-14.3%	-10.8%
Financing Activities Proceeds From Debt	3.8%	14.1%	6.2%	5.1%	10.7%	25.9%	16.1%	6.6%	0.0%	18.3%
Financing Activities Repayment of Debt	-2.3%	-4.7%	0.0%	-3.3%	-3.4%	0.0%	-3.0%	0.0%	-0.5%	0.0%
Financing Activities Repurchase of Common Stock	-35.8%	-38.9%	-36.0%	-39.4%	-31.3%	-29.2%	-38.5%	-33.0%	-30.1%	-32.6%
Financing Activities Dividends Paid	-8.4%	-8.7%	-8.6%	-8.6%	-9.2%	-10.5%	-8.0%	-7.0%	-7.5%	-7.8%
Financing Activities Proceeds From Stock Issuance	0.6%	0.8%	0.9%	0.4%	0.3%	0.6%	0.7%	0.7%	0.5%	0.3%
Financing Activities Tax Withholding On Stock Based Compensation	-0.9%	-0.6%	-0.4%	-0.6%	-0.7%	-1.0%	-1.0%	-0.5%	-0.4%	-0.5%
Financing Activities Other Financing Activities	-0.3%	-0.4%	0.0%	-0.1%	-1.1%	0.1%	-1.3%	-0.0%	-0.0%	0.4%
Financing Activities net Cash From Financing Activities	-43.2%	-38.5%	-37.8%	-46.4%	-34.7%	-14.1%	-34.8%	-33.2%	-38.1%	-21.8%
Cash Reconciliation Effect of Exchange Rate On Cash	1.0%	-0.7%	0.5%	-0.5%	-0.8%	1.7%	-0.3%	-0.0%	1.6%	-0.5%
Cash Reconciliation net Change In Cash	7.4%	1.2%	5.1%	-3.2%	-13.3%	22.5%	3.7%	5.0%	-5.4%	10.0%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	+57.6%	+55.3%	+55.8%	+55.2%	+53.4%	+52.8%	+57.2%	+48.7%	+53.0%	+53.5%
Net margin	+45.6%	+45.7%	+44.6%	+44.7%	+46.0%	+41.9%	+48.1%	+39.2%	+31.3%	+37.7%
FCF margin	+50.1%	+48.2%	+43.4%	+45.4%	+45.8%	+42.6%	+44.2%	+38.3%	+41.9%	+39.5%
Growth
Revenue CAGR (3y)	+13.8%	+14.3%	+17.9%	+9.6%	+8.1%	+7.0%	+16.1%	+15.6%	+9.8%	+9.0%
Returns
ROE	+193.5%	+198.5%	+161.6%	+157.7%	+118.8%	+100.3%	+137.8%	+108.6%	+71.6%	+71.8%
ROA	+27.6%	+26.8%	+26.4%	+25.6%	+23.1%	+19.1%	+27.8%	+23.6%	+18.4%	+21.7%
ROIC	+97.5%	+83.4%	+82.2%	+81.6%	+64.3%	+79.8%	+117.7%	+131.8%	+90.1%	+115.9%
Liquidity
Current ratio	1.03x	1.03x	1.17x	1.17x	1.29x	1.61x	1.42x	1.39x	1.57x	1.84x
Quick ratio	0.76x	0.76x	0.86x	0.87x	0.94x	1.27x	1.10x	1.03x	1.12x	1.36x
Leverage
D/E	6.00x	6.41x	5.12x	5.14x	4.14x	4.24x	3.94x	3.59x	2.88x	2.30x
Interest coverage	26.17x	24.12x	24.36x	26.04x	23.39x	21.27x	43.14x	39.15x	43.00x	60.64x
Efficiency
Asset turnover	0.61x	0.59x	0.59x	0.57x	0.50x	0.46x	0.58x	0.60x	0.59x	0.58x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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Mastercard

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