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Mastercard Inc (MA)
NYSE:MA
Earnings Data
Report Date
Apr 23, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
4.39Last Year’s EPS
3.73Same Quarter Last Year
Strong Buy
Based on 29 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong operational and financial momentum: robust top-line growth (net revenue +15% in Q4), healthy volume and cross-border trends, rapid adoption of digital payments (contactless, tokenization), significant VAS expansion (21% full-year growth) and meaningful Move platform traction (>35% transaction growth). Profitability and capital return metrics were solid (operating income +17%, EPS +17–20%, large buybacks). Offsetting factors include near-term impacts from the Capital One debit migration, FX volatility sensitivity, higher operating expenses (and a disclosed $200M restructuring charge), tougher comps causing some sequential deceleration, and regulatory risks. On balance, the positives — diverse growth drivers, strong service momentum, strategic customer wins, and an optimistic 2026 guidance framework — materially outweigh the manageable headwinds.Company Guidance
Strong Top-Line Growth
Net revenues up 15% in Q4 2025 (non-GAAP, currency-neutral). Payment Network net revenue increased 9% in Q4. Full-year value-added services & solutions (VAS) net revenue grew 21% (18% excluding acquisitions).
Robust Volume and Cross-Border Momentum
Worldwide gross dollar volume (GDV) increased 7% year-over-year in Q4. Cross-border volume grew 14% globally, with cross-border assessments up 17%.
Transaction and Digital Adoption Metrics
Switched transactions grew 10% year-over-year in Q4. Mastercard now switches more than 70% of its transactions globally (a 10 ppt increase since 2020). Contactless penetration reached 77% of in-person switched purchases (up 5 ppt YoY). Tokenization accounted for nearly 40% of transactions as of Q4.
Move Platform and Money Movement Growth
Mastercard Move reach expanded to more than 17 billion endpoints. Move-related transaction growth exceeded 35% in Q4 and for full year 2025, demonstrating strong adoption of cross-border and disbursement capabilities.
Profitability, Cash Returns and Capital Actions
Operating income rose 17% in Q4; net income and EPS increased roughly 17%–20% year-over-year. Reported EPS was $4.76 (including a $0.10 contribution from buybacks). The company repurchased $3.6 billion of stock in Q4, plus an additional $715 million through 01/26/2026.
Significant Business Wins and Partnerships
Hundreds of issuing wins/expansions in 2025, including renewal/extension with Capital One (credit), Apple Card network exclusivity continuation, Yapi Kredi migration of nearly 10 million cards, co-brand wins (Walmart/Sam's Club in Mexico, Amazon credit card in UAE), and 60+ new affluent programs.
Broad-Based Services Momentum and Innovation
VAS growth was broad-based across regions and product groups, with high‑teens organic growth in AP/EMEA and Americas for services. New product rollouts and partnerships (AgentPay/Agent Suite, Credit Intelligence, collaborations with Ripple, MetaMask, Gemini, distribution partners like FIS/WPP) expand addressable markets and distribution channels.
Forward Guidance and Financial Framework
Management expects fiscal 2026 net revenue growth at the high end of a low double-digits range (currency-neutral, excluding inorganic activity). They expect FY operating expense growth at the low end of a low double-digits range and a non-GAAP tax rate of 20%–21% for the year.
MA Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
MA Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 29, 2026 | $521.37 | $543.73 | +4.29% |
Oct 30, 2025 | $553.75 | $552.85 | -0.16% |
Jul 31, 2025 | $557.53 | $564.87 | +1.32% |
May 01, 2025 | $545.78 | $544.35 | -0.26% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Mastercard Inc (MA) report earnings?
Mastercard Inc (MA) is schdueled to report earning on Apr 23, 2026, Before Open (Confirmed).
What is Mastercard Inc (MA) earnings time?
Mastercard Inc (MA) earnings time is at Apr 23, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is MA EPS forecast?
MA EPS forecast for the fiscal quarter 2026 (Q1) is 4.39.
