Mastercard Incorporated

BATS-CHIXE:M4ID Stock Report

Market Cap: €462.5b

Mastercard Valuation

Is M4ID 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 M4ID when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: M4ID (€501.5) is trading above our estimate of fair value (€446.7)

Significantly Below Fair Value: M4ID is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for M4ID?

Key metric: As M4ID is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for M4ID. This is calculated by dividing M4ID's market cap by their current earnings.
What is M4ID's PE Ratio?
PE Ratio39.7x
EarningsUS$12.32b
Market CapUS$488.63b

Price to Earnings Ratio vs Peers

How does M4ID's PE Ratio compare to its peers?

The above table shows the PE ratio for M4ID vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average58.6x
WISE Wise
20.7x-6.5%UK£8.9b
V Visa
31.7x9.6%US$611.1b
LSEG London Stock Exchange Group
87.7x21.9%UK£59.7b
BOKU Boku
94.5x38.6%UK£538.1m
M4ID Mastercard
39.7x12.0%€488.6b

Price-To-Earnings vs Peers: M4ID is good value based on its Price-To-Earnings Ratio (39.7x) compared to the peer average (58.6x).

Price to Earnings Ratio vs Industry

How does M4ID's PE Ratio compare vs other companies in the GB Diversified Financial Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
NBS Nationwide Building Society
0.9xn/aUS$1.53b
No more companies available in this PE range
No. of Companies3PE01020304050+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: M4ID is expensive based on its Price-To-Earnings Ratio (39.7x) compared to the UK Diversified Financial industry average (13.3x).

Price to Earnings Ratio vs Fair Ratio

What is M4ID'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.

M4ID PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio39.7x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate M4ID'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 M4ID forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€501.50
€531.65
+6.0%
6.8%€581.21€442.32n/a36
Nov ’25€469.25
€502.16
+7.0%
7.5%€558.29€420.80n/a37
Oct ’25€435.10
€468.77
+7.7%
5.6%€530.78€409.53n/a37
Sep ’25n/a
€464.99
0%
5.4%€512.32€405.36n/a36
Aug ’25€428.90
€479.47
+11.8%
6.0%€569.92€417.94n/a37
Jul ’25€411.30
€478.87
+16.4%
5.7%€573.86€420.83n/a37
Jun ’25n/a
€474.40
0%
5.5%€566.54€415.46n/a37
May ’25n/a
€480.30
0%
6.1%€575.21€385.34n/a37
Apr ’25n/a
€469.94
0%
5.3%€530.90€380.40n/a36
Mar ’25n/a
€467.75
0%
5.5%€531.36€380.73n/a37
Feb ’25€422.60
€452.97
+7.2%
7.1%€493.12€379.04n/a36
Jan ’25n/a
€414.46
0%
6.5%€472.16€372.28n/a35
Dec ’24€376.00
€409.76
+9.0%
5.1%€446.20€374.29n/a34
Nov ’24€352.40
€421.33
+19.6%
5.0%€457.33€383.63€469.2535
Oct ’24n/a
€433.52
0%
5.8%€500.86€384.40€435.1033
Sep ’24n/a
€418.50
0%
6.1%€487.74€358.66n/a34
Aug ’24€358.80
€409.78
+14.2%
6.1%€481.07€353.76€428.9034
Jul ’24n/a
€396.34
0%
4.4%€436.11€356.40€411.3034
Jun ’24n/a
€403.87
0%
4.7%€443.73€362.63n/a33
May ’24n/a
€392.86
0%
4.5%€430.23€354.57n/a34
Apr ’24n/a
€393.66
0%
4.8%€435.42€358.85n/a34
Mar ’24n/a
€395.00
0%
5.6%€439.95€335.56n/a35
Feb ’24n/a
€387.58
0%
6.3%€434.19€326.56€422.6035
Jan ’24n/a
€374.18
0%
7.5%€445.28€292.45n/a34
Dec ’23n/a
€381.12
0%
7.9%€455.67€299.27€376.0035
Nov ’23n/a
€400.85
0%
7.7%€477.85€313.84€352.4035

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

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