What Is MA Fair Value?
Mastercard Inc. (MA) fair value estimate using multiple valuation models, updated daily.
As of October 31, 2026, Mastercard Inc. (MA) has a composite fair value estimate of $385.94 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $638.01, suggesting the stock is overvalued by 39.5%.
Data as of October 31, 2026 (today)
Composite Fair Value
Overvalued4 of 4 models$385.94
vs. current price of $638.01(-39.5%)
How Is MA Fair Value Calculated?
Four independent models estimate what MA is worth. Each uses different inputs and assumptions. The composite blends them by weight.
MA Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$634.62
-0.5%Fair Value
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$187.92
-70.5%Overvalued
Inputs used
MA Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$53.68
-91.6%Overvalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$332.06
-48.0%Overvalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $638.01 is 0.5% above this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $19.19B | $17.49B |
| Year 2 | $22.38B | $18.58B |
| Year 3 | $26.09B | $19.74B |
| Year 4 | $30.41B | $20.96B |
| Year 5 | $35.46B | $22.27B |
| Year 6 | $41.34B | $23.66B |
| Year 7 | $48.20B | $25.13B |
| Year 8 | $56.19B | $26.70B |
| Year 9 | $65.51B | $28.36B |
| Year 10 | $76.37B | $30.13B |
| Terminal Value | $1.08T | $426.03B |
What Are MA's Key Financial Metrics?
Earnings & Growth
Current Price
$638.01
EPS (TTM)
$18.18
Forward P/E
27.6
Profit Margin
46.7%
Cash & Balance Sheet
Free Cash Flow
16.5B
EBITDA
22.8B
Book Value
$6.40
Total Debt
23.9B
What Do Analysts Say About MA?
Low
$550.00
Average
$680.90
High
$765.00
Upside
+6.7%
MA Fair Value FAQ
What is the fair value of MA?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), MA's estimated fair value is $385.94. The stock is currently trading at $638.01, which makes it overvalued by our analysis.
How is MA's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is MA overvalued or undervalued?
Based on our analysis, MA is overvalued. The current price of $638.01 is 39.5% above our estimated fair value of $385.94.
What do Wall Street analysts say about MA?
37 analysts cover Mastercard Inc. with a consensus rating of "Strong Buy." The average price target is $680.90, ranging from $550.00 to $765.00. This implies 6.7% upside from the current price.