Mastercard Incorporated

SNSE:MACL Stock Report

Market Cap: CL$389.0t

Mastercard Valuation

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

Valuation Score

3/6

Valuation Score 3/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow 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.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: MACL (CLP445900) is trading below our estimate of future cash flow value (CLP1084103.94)

Significantly Below Future Cash Flow Value: MACL is trading below future cash flow value by more than 20%.

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 Ratio27.6x
EarningsUS$15.57b
Market CapUS$429.87b

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 Average25.2x
V Visa
27.6x10.98%US$601.1b
XYZ Block
51.7x35.96%US$41.5b
BICE Bicecorp
14.3xn/aCL$3.5t
PYPL PayPal Holdings
7.2x-1.33%US$36.4b
MACL Mastercard
27.6x11.13%CL$429.9b

Price-To-Earnings vs Peers: MACL is expensive based on its Price-To-Earnings Ratio (27.6x) compared to the peer average (25.1x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

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 27.6xIndustry Avg. 8.5xNo. of Companies4PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: MACL is expensive based on its Price-To-Earnings Ratio (27.6x) compared to the South American Diversified Financial industry average (8.5x).

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 Ratio27.6x
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$445,900.00
CL$591,073.82
+32.56%
6.83%CL$671,496.00CL$502,480.00n/a36
Jun ’27CL$445,900.00
CL$577,196.27
+29.45%
6.83%CL$655,730.25CL$490,682.50n/a36
May ’27CL$538,800.00
CL$583,600.84
+8.31%
6.49%CL$660,765.00CL$494,450.00n/a36
Apr ’27CL$538,800.00
CL$609,986.05
+13.21%
6.68%CL$685,998.92CL$510,554.00n/a35
Mar ’27CL$538,800.00
CL$576,197.98
+6.94%
6.38%CL$644,943.78CL$479,998.75n/a35
Feb ’27CL$538,800.00
CL$577,493.48
+7.18%
6.95%CL$660,630.60CL$454,402.00n/a36
Jan ’27CL$538,800.00
CL$592,416.19
+9.95%
6.83%CL$691,534.08CL$468,226.20n/a36
Dec ’26CL$538,800.00
CL$610,064.36
+13.23%
6.99%CL$713,671.68CL$483,215.20n/a36
Nov ’26CL$538,800.00
CL$617,367.58
+14.58%
6.70%CL$723,648.00CL$489,970.00n/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$472,615.00CL$445,900.0037
May ’26CL$488,444.00
CL$582,839.61
+19.33%
7.47%CL$648,578.55CL$441,317.46CL$538,800.0036
Apr ’26CL$520,859.00
CL$584,379.94
+12.20%
7.48%CL$652,184.55CL$440,555.39CL$538,800.0036
Mar ’26CL$536,675.00
CL$591,885.50
+10.29%
7.72%CL$662,268.90CL$447,367.44CL$538,800.0036
Feb ’26CL$555,160.00
CL$590,815.90
+6.42%
9.43%CL$657,946.70CL$456,634.65CL$538,800.0033
Jan ’26CL$531,339.00
CL$559,256.99
+5.25%
7.60%CL$647,770.65CL$459,808.21CL$538,800.0035
Dec ’25CL$505,550.00
CL$544,767.73
+7.76%
6.70%CL$594,219.30CL$452,220.37CL$538,800.0035
Nov ’25CL$493,000.00
CL$522,840.35
+6.05%
7.54%CL$581,284.00CL$438,124.80CL$538,800.0037
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
CL$592.97k
Fair Value
24.8% undervalued intrinsic discount
36
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/12 22:47
End of Day Share Price 2026/06/11 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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 58 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