Mastercard (MA.US) Price Target 2026/2027: 20% Upside – Rating and Stock Analysis

566.58
Price history for Mastercard (MA.US) – stock price at $566.58, October 2026
Mastercard stock price – price development 2026. Updated Oct 7, 2026.
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Mastercard Price Target 2026: Analysts See 18% Upside

The average price target for Mastercard is $666.71. This price target represents the analysts' view of the stock price over the next 12 months. The stock may be undervalued, because the price target is higher than the current price. The stock is 17.67% below the target, which can point to potential returns within the next 12 months if the analysts' view proves right. Also consider the stock's valuation ratios such as P/E, P/S and P/B, plus the technical analysis further down the page, for the full picture.

Is Mastercard overvalued or undervalued?

Mastercard is currently undervalued with a gap of 17.7% relative to the price target.


The current price is $566.58, which places Mastercard in the undervalued category. The stock is considered undervalued when the price is below $600.04, and overvalued when the price exceeds $733.38.


The fair value range is defined as ±10% of the price target, because price targets are estimates rather than exact values. For Mastercard, the fair value range lies between $600.04 and $733.38.


See the full price target analysis for Mastercard →

Analyst Ratings for Mastercard stock in 2026: Strong Buy

40 analysts cover Mastercard. There is broad agreement on a positive view — 90% recommend buying. The average price target is $666.71, which gives an upside of 17.7% from the current price.

Consensus: Strong Buy (4.58/5)
Strong Buy
27 (67.5%)
Buy
9 (22.5%)
Hold
4 (10%)
Strong Sell Sell Hold Buy Strong Buy
4.58 out of 5 based on 40 analysts

About Mastercard – Credit Services

Mastercard is a global technology company. It runs the systems that make electronic payments possible.

The company makes money by processing transactions for banks, shops and governments around the world. This includes authorising payments (checking they are valid), clearing them (matching up the details between banks) and settling them (making sure the money actually moves to the right place).

Mastercard operates in more than 210 countries and territories. Its customers are mainly banks, retailers and government bodies, not individual cardholders directly.

Most people know Mastercard from its credit and debit cards. But the company does more than that. It also offers cyber security and data analysis services to help protect and understand payments. In addition, it provides prepaid card programs and business payment solutions, which help people and companies get access to money and manage payments.

Mastercard was founded in 1966. Today it offers a wide range of connected payment services, making it a much bigger business than just the card people carry in their wallet.
Read more about the company

Key Figures for Mastercard

$484B Market cap
$35.1B Revenue
Credit Services Industry
30.39 P/E
13.79 P/S
87.42 P/B
United States Listed on exchange

What kind of stock is Mastercard?

Growth stock Momentum stock

Mastercard is classified as a growth stock and momentum stock. This means the stock combines several attractive traits, and strong price momentum.

Score Overview for Mastercard

💰 Value Score 15/100 (Very Low)
⭐ Quality Score 95/100 (Very High)
🚀 Momentum Score 75/100 (High)
📊 Total Score 61/100

⚠️ 1 red flag identified 1 critical

Our analysis has identified 1 potential risk factor in Mastercard that investors should be aware of.

🚨 High debt: The debt-to-equity ratio is 641% – the company carries considerably more debt than equity, which raises the financial risk.

📈 Valuation

Mastercard trades at a P/E ratio of 30.4, which is above the market average. The forward P/E is 24.2 (20% lower), which suggests the market expects rising earnings. The P/S ratio is 13.8 (high — the market pays a premium for the revenue). The P/B ratio is 87.4. The PEG ratio is 1.46.

💵 Profitability & Growth

Mastercard has a profit margin of 46.3% (excellent) and an operating margin of 61.1%. Return on equity (ROE) is 241.2% — excellent return on equity. Return on assets (ROA) is 24.1%. The latest quarterly earnings grew 22.1% year over year.

🏦 Financial Health

The Piotroski score is 6 out of 9 — good financial health. The debt-to-equity ratio (D/E) is 641.0% — high debt, which raises the risk.

🚀 Momentum & Short Interest

Short interest is 0.83% — low, the market does not expect a decline.

Mastercard Dividend 2026: 0.6% Dividend Yield

Dividend Key Figures for Mastercard

Dividend yield
0.61%
Latest dividend per share
0.87 USD
Payout ratio
18.5%
Low
Dividend growth (6 years)
+117.5%
Avg. annual dividend (3 years)
2.80 USD

When does Mastercard pay a dividend in 2026?

Latest ex-dividend date (traded without the dividend)
October 9, 2026
Latest payment date
November 9, 2026

How much does Mastercard pay in dividends?

Mastercard pays dividends to its shareholders. The most recently paid dividend was 0.87 USD per share, which corresponds to a dividend yield of 0.61%. Over the last 6 years, the annual dividend has grown by 117.5%, which shows positive dividend growth.

The payout ratio is 18.5%, which is low. This suggests the company prioritizes reinvesting in growth over dividend payments. There is good room to raise the dividend in the future.

Historical Dividend Payments for Mastercard

We have registered dividend payments for Mastercard since Jan 8, 2020. In that period the stock has paid a dividend 26 times, most recently on Jul 9, 2026. This stock qualifies as a stable dividend stock, because it has paid a dividend at least once a year for the last 5 years. That makes it attractive to investors looking for steady, regular dividend payments.

Ex-datePayment dateAmountCurrency
2026-10-092026-11-090.87USD
2026-07-092026-08-070.87USD
2026-04-092026-05-080.87USD
2026-01-092026-02-090.87USD
2025-10-092025-11-070.76USD
2025-07-092025-08-080.76USD
2025-04-092025-05-090.76USD
2024-10-092024-11-080.66USD
2024-07-092024-08-090.66USD
2024-04-082024-05-090.66USD
2024-01-082024-02-090.66USD
2023-10-052023-11-090.57USD
2023-07-062023-08-090.57USD
2023-04-052023-05-090.57USD
2023-01-062023-02-090.57USD
2022-10-062022-11-090.49USD
2022-07-072022-08-090.49USD
2022-04-072022-05-090.49USD
2022-01-062022-02-090.49USD
2021-10-072021-11-090.44USD
2021-07-082021-08-090.44USD
2021-04-082021-05-070.44USD
2021-01-072021-02-090.44USD
2020-10-082020-11-090.40USD
2020-07-082020-08-070.40USD
2020-04-082020-05-080.40USD
2020-01-082020-02-070.40USD

Insider Trading in Mastercard 2026: The Signal Is negative

In 2026, insiders at Mastercard have made 20 transactions, all of which were sales. On a net basis, insiders took $77,523,819 out of the stock. Active insiders include SACHIN J. MEHRA, Kirkpatrick Linda Pistecchia, Miebach Michael and others. In the short term (last 3 months), the insider signal is negative.

Short-Term Signal (3 months): Negative

Insiders have exclusively sold shares over the last 3 months.

Over the last 3 months: 0 purchases and 12 sales. A net $45,317,600 out of the stock.

Long-Term Signal (all transactions): Negative

Insiders have exclusively sold shares in the recent period. This can suggest management sees limited opportunity.

Across the last 20 transactions: 0 purchases and 20 sales. A net $77,523,819 out of the stock.

Latest sale: SACHIN J. MEHRA sold 3,266 shares at $584.00 each on 2026-09-02.

Who is selling: SACHIN J. MEHRA, Kirkpatrick Linda Pistecchia, Miebach Michael, McLaughlin Edward Grunde, Arkell Sandra A and others.

Latest Insider Trades in Mastercard (2026)

The table shows the last 20 reported insider transactions in Mastercard. Green rows are purchases, red rows are sales. The data is based on official filings.

Transaction date Name Type Number of shares Price per share ($) Total amount ($)
2026-09-02 SACHIN J. MEHRA Sell 3,266 584 1,907,344
2026-08-31 Kirkpatrick Linda Pistecchia Sell 923 594 547,837
2026-08-20 SACHIN J. MEHRA Sell 1,000 572 572,070
2026-08-19 SACHIN J. MEHRA Sell 7,444 582 4,334,269
2026-08-17 Kirkpatrick Linda Pistecchia Sell 1,191 565 673,201
2026-08-05 SACHIN J. MEHRA Sell 240 577 138,470
2026-08-05 Miebach Michael Sell 15,372 575 8,838,900
2026-08-04 Kirkpatrick Linda Pistecchia Sell 4,280 573 2,451,969
2026-08-03 Miebach Michael Sell 9,772 580 5,667,760
2026-07-31 Miebach Michael Sell 16,628 568 9,439,383

Who is buying and selling Mastercard shares in 2026?

The following insiders have sold shares: SACHIN J. MEHRA, Kirkpatrick Linda Pistecchia, Miebach Michael, McLaughlin Edward Grunde, Arkell Sandra A and others. In total, $77,523,819 was sold across 20 transactions. Insider trades are legal transactions in which executives and board members buy or sell shares of their own company. These transactions are reported to the SEC and are publicly available.

When Does Mastercard Report Earnings – Next Date: Oct 29, 2026

The next earnings report from Mastercard is scheduled for October 29, 2026, before the market opens. This report covers the third quarter (Q3), which ended on September 30, 2026.



Technical Analysis of Mastercard 2026 – Signal: Hold

Overall Technical Signal: Hold

Based on trend analysis (SMA50/SMA200) and MACD trend (positive/negative on a daily + weekly basis). Updated October 7, 2026.

Technical analysis of Mastercard (MA.US) – RSI 51, MACD negative (bearish), daily candlestick chart October 2026
Mastercard technical analysis – candlestick chart with RSI, MACD and volume profile. Updated Oct 7, 2026.

Trend Analysis of Mastercard Incorporated

Mastercard Incorporated is in a short-term uptrend. The price of $566.58 is 0.4% above the 20-day average ($564.12). Medium term, the picture is negative: the price is 0.9% below the 50-day average ($571.50). Long term, the stock is 6.7% above the 200-day average ($531.17), which confirms a long-term uptrend.

Golden Cross: The 50-day average (571.50) is above the 200-day average (531.17), which is a classic bullish signal for Mastercard Incorporated.

Is Mastercard Incorporated overbought or oversold?

Mastercard Incorporated has an RSI of 50.9, right in the middle of the neutral zone. There is no clear buying or selling pressure.

MACD Analysis for Mastercard Incorporated

Daily MACD: MACD is negative (-3.189), which means the short-term trend is bearish (the 12-day EMA is below the 26-day EMA). MACD is below the signal line (-2.817) by 0.372, which confirms growing negative momentum in the downtrend.

Weekly MACD: MACD5 is positive (13.430), which indicates a broader bullish long-term trend. MACD5 is above the signal line (10.930) by 2.500, which confirms rising long-term momentum.

Overall MACD assessment: The daily and weekly MACD give conflicting signals. The long-term trend is bullish, but the short-term trend is bearish. Short-term momentum is still falling – a deeper pullback is possible.

Risk Profile for Mastercard Incorporated

Mastercard Incorporated has an annual standard deviation of 22.5%, which classifies the stock as Conservative. Price swings are limited, and the stock suits conservative investors.

Overall Technical Conclusion for Mastercard Incorporated

Trend: Neutral/mixed.

MACD trend (zero line): Daily bearish (-3.189). Weekly bullish (13.430).

MACD momentum (signal): Daily falling. Weekly rising.

RSI: 50.9 – neutral.

Technical signal: Hold

The signals are mixed – trend and MACD point in different directions. Wait until MACD crosses the zero line in the direction of the trend before acting.

Frequently Asked Questions About Mastercard stock in 2026

Should you buy Mastercard stock now?
The technical signal for Mastercard is currently Hold. Mastercard trades at $566.58 as of Oct 7, 2026. The technical analysis shows the following: MACD is negative (bearish trend) at -3.189 with falling momentum (signal: -2.817); RSI is at 50.9 (neutral zone); the stock is in a short-term uptrend (price above the 20-day average); the analyst price target of $666.71 points to 17.7% upside. This is a technical observation based on current data, not investment advice.
What is the price target for Mastercard stock?
The average analyst price target for Mastercard is $666.71. The current price is $566.58, which gives an upside of 17.7%. Based on this, the stock is considered undervalued. The fair value range (±10% of the price target) is between $600.04 and $733.38.
Is Mastercard a dividend stock?
Yes, Mastercard is a dividend stock with a dividend yield of 0.61%. The latest dividend was $0.87 per share. The latest ex-dividend date (traded without the dividend) was Oct 9, 2026. The payout ratio is 18.5%, which is considered sustainable.
When does Mastercard pay a dividend in 2026?
The next dividend date for Mastercard has not been set yet. The latest ex-dividend date (last trading day with dividend rights) was Oct 9, 2026. The latest dividend was $0.87 per share with an ex-dividend date of Oct 9, 2026. The dividend yield is 0.61%. The payout ratio of 18.5% points to a sustainable dividend with room to grow.
What is the risk of Mastercard stock?
Mastercard is rated as a stock in the risk category Conservative. the annual standard deviation is 22.5%, which classifies the stock as Conservative.
Is Mastercard overvalued?
No, Mastercard is considered undervalued based on the analyst price target (17.7% upside). Mastercard has the following valuation ratios: a P/E ratio of 30.4 (highly valued), a P/S ratio of 13.8, a P/B ratio of 87.4. The analyst price target suggests that the stock is undervalued by 17.7%.
Is Mastercard overbought?
No, Mastercard is not overbought. RSI is at 50.9 (neutral zone). The technical indicators show: RSI is at 50.9 (neutral zone between 30-70), which signals neither overbought nor oversold. In addition, the price is 0.4% above the 20-day average (short-term uptrend). In addition, MACD is negative with falling momentum (bearish).
When is the next Mastercard earnings report?
Mastercard reports its next earnings on October 29, 2026. The stock currently trades at $566.58. With a P/E ratio of 30.4, the market will be watching closely whether earnings meet expectations.
Is Mastercard shorted?
Mastercard has minimal short interest of 0.83% of the free float, which is insignificant and points to very limited bearish sentiment.
Are insiders buying Mastercard stock?
No, insiders are not buying Mastercard shares – they are net sellers. Over the last 3 months, insiders have made 0 purchases and 12 sales. On a net basis, 45,317,600 $ worth of shares were sold. Across the last 20 reported transactions, the split is 0 purchases and 20 sales, with a net 77,523,819 $ sold. Active sellers include SACHIN J. MEHRA, Kirkpatrick Linda Pistecchia, Miebach Michael and others. Insider selling can have several explanations (e.g. planned 10b5-1 sales, portfolio diversification or taxes), but sustained selling by several insiders is worth watching closely.
Is Mastercard a good stock?
Based on our total score, Mastercard is rated as a good stock with a total score of 61 out of 100. The stock scores above average on value, quality and momentum. The score is made up of Value: 15/100, Quality: 95/100, Momentum: 75/100. In addition: analysts see 17.7% upside to the price target; a dividend of 0.61%; technical signal: Hold. Whether Mastercard is a good investment depends on your time horizon, risk profile and portfolio. This is a data-driven observation, not investment advice.
What is the outlook for Mastercard stock?
The outlook for Mastercard based on current data: the average analyst price target is $666.71 (+17.7%); the next earnings report is due on Oct 29, 2026, which can move the price; the P/E ratio is 30.4 (high – the market expects growth). Keep in mind that stock prices are affected by many factors, including earnings reports, the economy and market sentiment. Past returns are no guarantee of future returns.
Why is Mastercard stock moving?
Mastercard is stable right now. The technical indicators show: the price is close to the 20-day average; MACD is negative with falling momentum (bearish signal); insiders have mostly been selling the stock recently. For the latest context, see our technical analysis and insider section above.
How high can Mastercard go?
The average analyst price target for Mastercard is $666.71, which corresponds to a potential gain of 17.7% from the current price of $566.58. The stock has traded between $463.74 and $601.23 over the last 52 weeks. Keep in mind that price targets are estimates, not guarantees. Actual price moves depend on earnings, market conditions and unexpected events.
How low can Mastercard fall?
The stock has traded as low as $463.74 over the last 52 weeks — that is 18.2% below the current price of $566.58. The biggest decline (drawdown) in the same period was 22.9% from high to low. Within a year, the price typically swings about ±22.5% (standard deviation — a measure of price swings). A difficult year could therefore mean a further decline of that size. Remember: past price swings are no guarantee for the future — a stock can fall further than the last 52 weeks suggest, especially on profit warnings, sector crises or a market crash. Use stop-loss orders and spread your portfolio to limit losses in single stocks.
What does Mastercard do?
Mastercard is a global technology company. It runs the systems that make electronic payments possible. The company makes money by processing transactions for banks, shops and governments around the world. This includes authorising payments (checking they are valid), clearing ... The company belongs to the Financial Services sector, more specifically the Credit Services industry, is headquartered in United States, and is traded on the USA Stocks. See the key figures, earnings history and price development above to evaluate Mastercard as an investment.
Did Mastercard raise or lower its guidance?
Over the last 60 days we have not registered a guidance raise or cut from Mastercard. The company can still adjust its guidance at quarterly reports or between reports — see the earnings history above.
Is Mastercard making money or losing money?
Yes, Mastercard is making money, not losing it. The company has a profit margin (the share of revenue left over as profit) of 46.3% — which is excellent. The operating margin (profit before interest and taxes) is 61.1%. At a P/E ratio of 30.4, you currently pay 30.4 dollars for every dollar of the company's annual earnings. A consistently profitable company is usually more resilient than growth stocks that are not yet making money.
Can Mastercard go bankrupt?
Altman Z2 is not used for banks and financial companies — their balance sheet is built on debt (that is the business model), so the model would wrongly classify a healthy bank as distressed. For Mastercard, look instead at the capital base (e.g. the core capital ratio), loan losses and earnings power.
Does Mastercard have a lot of debt?
Yes, Mastercard has elevated debt relative to equity. The debt-to-equity ratio (D/E — interest-bearing debt to equity) is 641%. For the financial services sector, anything above 400% counts as elevated — that raises the financial risk, especially if interest rates rise or earnings fall. Banks take in deposits (debt) as their raw material and lend it out — which naturally gives a high D/E. 200-400% is typical; only above 400% counts as elevated. Note: D/E levels are highly sector-specific — a bank at 300% debt is normal, a tech stock at 300% is extremely leveraged. Always compare with similar companies in the same sector. Can Mastercard service its debt? Can service its debt without problems — the interest coverage ratio (how many times earnings can cover interest payments) is 26.2x, and net debt equals 0.6 years of earnings (EBITDA).

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