Mastercard Incorporated

SNSE:MACL Stock Report

Market Cap: CL$488.5t

Mastercard Valuation

Is MACL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of MACL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

CL$595.73k
Fair Value
9.6% undervalued intrinsic discount
35
Number of Analysts

Below Fair Value: MACL (CLP538800) is trading below our estimate of fair value (CLP595730.33)

Significantly Below Fair Value: MACL is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for MACL?

Key metric: As MACL is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for MACL. This is calculated by dividing MACL's market cap by their current earnings.
What is MACL's PE Ratio?
PE Ratio38.2x
EarningsUS$13.59b
Market CapUS$518.60b

Price to Earnings Ratio vs Peers

How does MACL's PE Ratio compare to its peers?

The above table shows the PE ratio for MACL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average21.2x
V Visa
33.4x11.51%US$670.1b
FI Fiserv
20.4x15.43%US$68.0b
PYPL PayPal Holdings
14.3x6.48%US$66.7b
XYZ Block
16.5x-1.41%US$48.9b
MACL Mastercard
38.2x12.13%CL$518.6b

Price-To-Earnings vs Peers: MACL is expensive based on its Price-To-Earnings Ratio (38.2x) compared to the peer average (21x).

Price to Earnings Ratio vs Industry

How does MACL's PE Ratio compare vs other companies in the South American Diversified Financial Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
MACL 38.2xIndustry Avg. 16.4xNo. of Companies3PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: MACL is expensive based on its Price-To-Earnings Ratio (38.2x) compared to the Global Diversified Financial industry average (16.4x).

Price to Earnings Ratio vs Fair Ratio

What is MACL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

MACL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio38.2x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate MACL's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst MACL forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentCL$538,800.00
CL$613,546.01
+13.87%
6.46%CL$723,363.84CL$489,777.60n/a35
Oct ’26CL$538,800.00
CL$622,021.90
+15.45%
6.01%CL$711,458.20CL$499,943.60n/a33
Sep ’26CL$538,800.00
CL$622,633.94
+15.56%
5.72%CL$666,919.50CL$502,606.00n/a33
Aug ’26CL$538,800.00
CL$620,469.86
+15.16%
6.15%CL$668,886.00CL$484,700.00n/a36
Jul ’26CL$523,200.00
CL$584,220.00
+11.66%
6.71%CL$648,531.00CL$469,950.00n/a37
Jun ’26CL$540,938.00
CL$585,729.40
+8.28%
6.75%CL$652,208.70CL$472,615.00n/a37
May ’26CL$488,444.00
CL$582,839.61
+19.33%
7.47%CL$648,578.55CL$441,317.46n/a36
Apr ’26CL$520,859.00
CL$584,379.94
+12.20%
7.48%CL$652,184.55CL$440,555.39n/a36
Mar ’26CL$536,675.00
CL$591,885.50
+10.29%
7.72%CL$662,268.90CL$447,367.44n/a36
Feb ’26CL$555,160.00
CL$590,815.90
+6.42%
9.43%CL$657,946.70CL$456,634.65n/a33
Jan ’26CL$531,339.00
CL$559,256.99
+5.25%
7.60%CL$647,770.65CL$459,808.21n/a35
Dec ’25CL$505,550.00
CL$544,767.73
+7.76%
6.70%CL$594,219.30CL$452,220.37n/a35
Nov ’25CL$493,000.00
CL$522,840.35
+6.05%
7.54%CL$581,284.00CL$438,124.80n/a37
Oct ’25CL$458,730.00
CL$468,671.41
+2.17%
5.57%CL$530,664.81CL$409,446.96CL$538,800.0037
Sep ’25CL$412,830.00
CL$472,802.35
+14.53%
5.41%CL$520,923.00CL$412,168.90CL$538,800.0036
Aug ’25CL$412,830.00
CL$492,767.92
+19.36%
5.95%CL$585,732.15CL$429,536.91CL$538,800.0037
Jul ’25n/a
CL$482,948.13
0%
5.71%CL$578,745.75CL$424,413.55CL$523,200.0037
Jun ’25n/a
CL$461,905.62
0%
5.54%CL$551,611.95CL$404,515.43CL$540,938.0037
May ’25n/a
CL$493,176.15
0%
6.10%CL$590,633.70CL$395,676.56CL$488,444.0037
Apr ’25n/a
CL$498,735.05
0%
5.33%CL$563,425.25CL$403,706.44CL$520,859.0036
Mar ’25n/a
CL$495,363.80
0%
5.51%CL$562,723.75CL$403,203.80CL$536,675.0037
Feb ’25n/a
CL$458,915.54
0%
7.10%CL$499,594.88CL$384,016.96CL$555,160.0036
Jan ’25n/a
CL$407,146.84
0%
6.48%CL$463,824.40CL$365,707.70CL$531,339.0035
Dec ’24n/a
CL$386,725.74
0%
5.09%CL$421,118.72CL$353,252.48CL$505,550.0034
Nov ’24n/a
CL$399,806.18
0%
5.04%CL$433,964.08CL$364,027.72CL$493,000.0035
Oct ’24n/a
CL$414,561.26
0%
5.84%CL$478,956.60CL$367,592.40CL$458,730.0033
CL$611.81k
Fair Value
11.9% undervalued intrinsic discount
35
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/27 02:31
End of Day Share Price 2025/10/24 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Mastercard Incorporated is covered by 65 analysts. 36 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jim MarroneAccountability Research Corporation
Stephen BiggarArgus Research Company
David KoningBaird