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MA Mastercard Inc

NYSE, CIK 0001141391, fiscal year ends 12/31. Last price 623.6 on 2026-10-23, market value 546.3 billion dollars.

Machine-readable: MA.json, MA.md. Sections: Graham Defensive, Magic Formula, Momentum, Insider, Buffett Quality, Lynch GARP, Graham Enterprising, Piotroski F-Score, earnings record, insiders, filings and links.

Philosophy	Score	Status	Current inputs as of	History used	Price	Verification	Rules
Graham Defensive	46	ok	2025-12-31 stale: Revenue	2013–2025	2026-10-23	12 verified, 21 unverified	method
Magic Formula	75	ok	2026-03-31 stale: operating_income_q	—	2026-10-23	—	method
Momentum	64	ok	2026-10-23	—	2026-10-23	—	method
Insider	0	no open-market transactions in window	2026-10-23	—	—	—	method
Buffett Quality	85	ok	2026-06-30	2016–2025	2026-10-23	0 verified, 48 unverified	method
Lynch GARP	49	ok	2026-06-30	2020–2025	2026-10-23	0 verified, 6 unverified	method
Graham Enterprising	37	ok	2026-06-30	2020–2025	2026-10-23	0 verified, 12 unverified	method
Piotroski F-Score	89 partial, missing 7	partial: 7	—	2024–2025	—	0 verified, 25 unverified	method

Market value, source trail

market_value = traded_price (price date) / depositary_ratio x latest point-in-time SEC shares outstanding (share-count date shown; from the filing cover page, summed across share classes only where the issuer filing verifies the classes are economically equivalent (rule + evidence URL in the source text), else withheld; priced at the primary listed class, so where other classes trade at a different price the value is an approximation; restated only for issuer-verified splits after the count date); weighted-average share counts are never used

Input	Value	Unit	Period / date	Source
Traded price	623.6	USD per traded unit (share or ADS)	2026-10-23	Yahoo Finance
SEC shares outstanding	876,009,940	underlying shares	2026-07-27	SEC cover page 10-Q 0001141391-26-000083 (sum of classes (Class A Common Stock, par value $0.0001 per share 869,464,115 x 1; Class B Common Stock 6,545,825 x 1; class economics verified in https://www.sec.gov/Archives/edgar/data/1141391/000114139126000013/exb438-12312025.htm)); filing document https://www.sec.gov/Archives/edgar/data/1141391/000114139126000083/ma-20260630.htm 0001141391-26-000083
Depositary ratio	1.0	underlying shares per traded unit		domestic 10-K filer; SEC shares are the traded units
Market value price date × latest reported shares	546,279,798,584	USD	2026-10-23 shares at 2026-07-27	623.6 (price 2026-10-23) / 1 x 876,009,940 (shares at 2026-07-27) = 546,279,798,584

Graham Defensive

46 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 Adequate size	32.79 revenue $B	>= 1	5.0 / 5
2a Current ratio	1.06	>= 2.0	0.9 / 15
2b Long-term debt vs working capital	14.61 LTD / WC	<= 1.0	0.0 / 15
3 Positive earnings each of 10 years	10 of 10	10 of 10	15.0 / 15
4 Dividends every year for 20 years	20 of 20 XBRL check: 11 years agree, 9 unverified	20 of 20	15.0 / 15
5 EPS growth, 3-yr avg now vs 10 yrs ago	3.38 -> 14.08 (+317%)	>= +33%	10.0 / 10
6 P/E on 3-year average EPS	44.3	<= 15	0.0 / 15
7 P/B <= 1.5, or P/E x P/B <= 22.5	P/B 97.36, product 4312.0	<= 1.5 or <= 22.5	0.0 / 10

Inputs, 35 numbers with their sources

Input	Value	Period	Source	Check
Price (close, per traded unit)	623.6	2026-10-23	Alpaca Market Data (consolidated SIP daily bar)	not cross-checked
Revenue	32791000000.0	2025-12-31 stale	SEC XBRL Revenues 0001141391-26-000013	unverified
current_assets	26522000000.0	2026-06-30	SEC XBRL AssetsCurrent (companyfacts) 0001141391-26-000083	unverified
current_liabilities	25004000000.0	2026-06-30	SEC XBRL LiabilitiesCurrent (companyfacts) 0001141391-26-000083	unverified
lt_debt	22184000000.0	2026-06-30	SEC XBRL LongTermDebtNoncurrent (companyfacts) 0001141391-26-000083	unverified
equity	5611000000.0	2026-06-30	SEC XBRL StockholdersEquity (companyfacts) 0001141391-26-000083	unverified
Net income FY2016	4059000000.0	2016-12-31 history	SEC XBRL ProfitLoss 0001141391-19-000013	unverified
Net income FY2017	3915000000.0	2017-12-31 history	SEC XBRL ProfitLoss 0001141391-20-000032	unverified
Net income FY2018	5859000000.0	2018-12-31 history	SEC XBRL ProfitLoss 0001141391-21-000018	unverified
Net income FY2019	8118000000.0	2019-12-31 history	SEC XBRL ProfitLoss 0001141391-22-000023	unverified
Net income FY2020	6411000000.0	2020-12-31 history	SEC XBRL ProfitLoss 0001141391-23-000020	unverified
Net income FY2021	8687000000.0	2021-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Net income FY2022	9930000000.0	2022-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Net income FY2023	11195000000.0	2023-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Net income FY2024	12874000000.0	2024-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Net income FY2025	14968000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Dividend years (Yahoo)	[2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026]	history	Yahoo Finance dividend history	verified (partly: XBRL covers 11 of 20 years)
Dividends per share FY2013 (XBRL)	0.29	2013-12-31 history	SEC XBRL CommonStockDividendsPerShareDeclared 0001141391-16-000085	verified
Dividends per share FY2014 (XBRL)	0.49	2014-12-31 history	SEC XBRL CommonStockDividendsPerShareDeclared 0001141391-17-000014	verified
Dividends per share FY2015 (XBRL)	0.67	2015-12-31 history	SEC XBRL CommonStockDividendsPerShareDeclared 0001141391-18-000009	verified
Dividends per share FY2016 (XBRL)	0.79	2016-12-31 history	SEC XBRL CommonStockDividendsPerShareDeclared 0001141391-19-000013	verified
Dividends per share FY2017 (XBRL)	0.91	2017-12-31 history	SEC XBRL CommonStockDividendsPerShareDeclared 0001141391-20-000032	verified
Dividends per share FY2018 (XBRL)	1.08	2018-12-31 history	SEC XBRL CommonStockDividendsPerShareDeclared 0001141391-20-000032	verified
Dividends per share FY2019 (XBRL)	1.39	2019-12-31 history	SEC XBRL CommonStockDividendsPerShareDeclared 0001141391-20-000032	verified
Dividends per share FY2022 (XBRL)	2.04	2022-12-31 history	SEC XBRL CommonStockDividendsPerShareDeclared 0001141391-25-000011	verified
Dividends per share FY2023 (XBRL)	2.37	2023-12-31 history	SEC XBRL CommonStockDividendsPerShareDeclared 0001141391-26-000013	verified
Dividends per share FY2024 (XBRL)	2.74	2024-12-31 history	SEC XBRL CommonStockDividendsPerShareDeclared 0001141391-26-000013	verified
Dividends per share FY2025 (XBRL)	3.15	2025-12-31 history	SEC XBRL CommonStockDividendsPerShareDeclared 0001141391-26-000013	verified
EPS diluted FY2014	3.1	2014-12-31 history	SEC XBRL EarningsPerShareDiluted 0001141391-17-000014	unverified
EPS diluted FY2015	3.35	2015-12-31 history	SEC XBRL EarningsPerShareDiluted 0001141391-18-000009	unverified
EPS diluted FY2016	3.69	2016-12-31 history	SEC XBRL EarningsPerShareDiluted 0001141391-19-000013	unverified
EPS diluted FY2023	11.83	2023-12-31 history	SEC XBRL EarningsPerShareDiluted 0001141391-26-000013	unverified
EPS diluted FY2024	13.89	2024-12-31 history	SEC XBRL EarningsPerShareDiluted 0001141391-26-000013	unverified
EPS diluted FY2025	16.52	2025-12-31 history	SEC XBRL EarningsPerShareDiluted 0001141391-26-000013	unverified
Shares outstanding	876009940.0	2026-07-27	SEC cover page 10-Q 0001141391-26-000083 (sum of classes (Class A Common Stock, par value $0.0001 per share 869,464,115 x 1; Class B Common Stock 6,545,825 x 1; class economics verified in https://www.sec.gov/Archives/edgar/data/1141391/000114139126000013/exb438-12312025.htm)); filing document https://www.sec.gov/Archives/edgar/data/1141391/000114139126000083/ma-20260630.htm 0001141391-26-000083	not cross-checked

Magic Formula

75 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
Earnings yield (EBIT/EV) EBIT trailing twelve months; EV = market cap + debt (24,643,000,000) - cash	3.66 % (rank 130)
Return on capital (EBIT/(NWC+PPE)) net working capital 1,518,000,000 used as reported	504.19 % (rank 5)
Combined rank	135

Inputs, 14 numbers with their sources

Input	Value	Period	Source	Check
operating_income	18897000000.0	2025-12-31 history	SEC XBRL OperatingIncomeLoss 0001141391-26-000013	not cross-checked
operating_income_q	4907000000.0	2026-03-31 stale	SEC XBRL OperatingIncomeLoss (quarter CY2026Q1) 0001141391-26-000031	not cross-checked
operating_income_q	4149000000.0	2025-03-31 history	SEC XBRL OperatingIncomeLoss (quarter CY2025Q1) 0001141391-26-000031	not cross-checked
operating_income_q	5587000000.0	2026-06-30	SEC XBRL OperatingIncomeLoss (quarter CY2026Q2) 0001141391-26-000083	not cross-checked
operating_income_q	4777000000.0	2025-06-30 history	SEC XBRL OperatingIncomeLoss (quarter CY2025Q2) 0001141391-26-000083	not cross-checked
current_assets	26522000000.0	2026-06-30	SEC XBRL AssetsCurrent (companyfacts) 0001141391-26-000083	not cross-checked
current_liabilities	25004000000.0	2026-06-30	SEC XBRL LiabilitiesCurrent (companyfacts) 0001141391-26-000083	not cross-checked
cash	11291000000.0	2026-06-30	SEC XBRL CashAndCashEquivalentsAtCarryingValue (companyfacts) 0001141391-26-000083	not cross-checked
ppe_net	2541000000.0	2026-06-30	SEC XBRL PropertyPlantAndEquipmentNet (companyfacts) 0001141391-26-000083	not cross-checked
lt_debt	22184000000.0	2026-06-30	SEC XBRL LongTermDebtNoncurrent (companyfacts) 0001141391-26-000083	not cross-checked
debt_lt_current	2459000000.0	2026-06-30	SEC XBRL LongTermDebtCurrent 0001141391-26-000083	not cross-checked
shares_out	876009940.0	2026-07-27	SEC cover page 10-Q 0001141391-26-000083 (sum of classes (Class A Common Stock, par value $0.0001 per share 869,464,115 x 1; Class B Common Stock 6,545,825 x 1; class economics verified in https://www.sec.gov/Archives/edgar/data/1141391/000114139126000013/exb438-12312025.htm)); filing document https://www.sec.gov/Archives/edgar/data/1141391/000114139126000083/ma-20260630.htm 0001141391-26-000083	not cross-checked
Price (close)	623.6	2026-10-23	Yahoo Finance / Alpaca Market Data	not cross-checked
note	debt = LongTermDebtNoncurrent + LongTermDebtCurrent			not cross-checked

Momentum

64 of 100. ok. How this is scored.

Test or factor	Value	Points
12-1 month return	-1.9 % (percentile 38.1)	19.1 / 50
6 month return	24.5 % (percentile 84.5)	16.9 / 20
Price / 52-week high	0.985	14.8 / 15
Volatility penalty (60d annualised)	18.2 %	13.5 / 15

Inputs, 1 numbers with their sources

Input	Value	Period	Source	Check
Adjusted close series (14 months)	623.6	2026-10-23	Yahoo Finance / Alpaca Market Data daily history	not cross-checked

Insider

0 of 100. no open-market transactions in window. How this is scored. Form 4 data loaded through 2026-10-23

Test or factor	Value	Points
Open-market buy value / market cap (percentile among buyers)	0.0 bp	0.0 / 35
Distinct buyers	0	0.0 / 25
Buyer seniority	0.0	0.0 / 20
Recency (half-life 30d)	0.0	0.0 / 10
Sales penalty (excludes 10b5-1 plan sales)	0.0 bp	-0.0 / 0

Inputs, 30 numbers with their sources

Input	Value	Source	Check
excluded 2026-10-16 S	10b5-1 plan	rule	not cross-checked
excluded 2026-10-12 S	10b5-1 plan	rule	not cross-checked
excluded 2026-10-09 S	10b5-1 plan	rule	not cross-checked
excluded 2026-10-09 S	10b5-1 plan	rule	not cross-checked
excluded 2026-09-02 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-31 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-20 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-19 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-19 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-19 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-19 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-19 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-19 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-19 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-19 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-19 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-19 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-17 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-05 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-05 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-05 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-05 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-05 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-05 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-05 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-05 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-04 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-04 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-04 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-04 S	10b5-1 plan	rule	not cross-checked

Buffett Quality

85 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 Average return on equity (net income / year-end equity)	147.1% over 8 yrs	>= 15%	25.0 / 25
2 Profitable every year	10 of 10	all years	15.0 / 15
3 Net income growth, 3-yr average now vs start of window	+16.0% a year	>= +10%	10.0 / 10
4 Borrowings / 3-yr average earnings (years to repay) LongTermDebtNoncurrent + LongTermDebtCurrent	1.9 years	<= 4	15.0 / 15
5 Operating margin, 5-yr average	55.5%	>= 20%	10.0 / 10
6 Free cash flow / net income, 5-yr (operating cash flow minus capex)	1.09	>= 1.0	10.0 / 10
7 Owner-earnings yield (3-yr avg free cash flow / market cap)	2.6%	>= 7%	0.0 / 15

Inputs, 50 numbers with their sources

Input	Value	Period	Source	Check
Price (close, per traded unit)	623.6	2026-10-23	Alpaca Market Data (consolidated SIP daily bar)	not cross-checked
Net income FY2018	5859000000.0	2018-12-31 history	SEC XBRL ProfitLoss 0001141391-21-000018	unverified
Equity at FY2018 end	5395000000.0	2018-12-31 history	SEC XBRL StockholdersEquity 0001141391-20-000032	unverified
Net income FY2019	8118000000.0	2019-12-31 history	SEC XBRL ProfitLoss 0001141391-22-000023	unverified
Equity at FY2019 end	5893000000.0	2019-12-31 history	SEC XBRL StockholdersEquity 0001141391-21-000018	unverified
Net income FY2020	6411000000.0	2020-12-31 history	SEC XBRL ProfitLoss 0001141391-23-000020	unverified
Equity at FY2020 end	6391000000.0	2020-12-31 history	SEC XBRL StockholdersEquity 0001141391-22-000023	unverified
Net income FY2021	8687000000.0	2021-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Equity at FY2021 end	7312000000.0	2021-12-31 history	SEC XBRL StockholdersEquity 0001141391-23-000020	unverified
Net income FY2022	9930000000.0	2022-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Equity at FY2022 end	6298000000.0	2022-12-31 history	SEC XBRL StockholdersEquity 0001141391-24-000022	unverified
Net income FY2023	11195000000.0	2023-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Equity at FY2023 end	6929000000.0	2023-12-31 history	SEC XBRL StockholdersEquity 0001141391-25-000011	unverified
Net income FY2024	12874000000.0	2024-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Equity at FY2024 end	6485000000.0	2024-12-31 history	SEC XBRL StockholdersEquity 0001141391-26-000013	unverified
Net income FY2025	14968000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Equity at FY2025 end	7737000000.0	2025-12-31 history	SEC XBRL StockholdersEquity 0001141391-26-000083	unverified
Net income FY2016	4059000000.0	2016-12-31 history	SEC XBRL ProfitLoss 0001141391-19-000013	unverified
Net income FY2017	3915000000.0	2017-12-31 history	SEC XBRL ProfitLoss 0001141391-20-000032	unverified
Net income FY2018	5859000000.0	2018-12-31 history	SEC XBRL ProfitLoss 0001141391-21-000018	unverified
Net income FY2019	8118000000.0	2019-12-31 history	SEC XBRL ProfitLoss 0001141391-22-000023	unverified
Net income FY2020	6411000000.0	2020-12-31 history	SEC XBRL ProfitLoss 0001141391-23-000020	unverified
Net income FY2021	8687000000.0	2021-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Net income FY2022	9930000000.0	2022-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Net income FY2023	11195000000.0	2023-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Net income FY2024	12874000000.0	2024-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Net income FY2025	14968000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
lt_debt	22184000000.0	2026-06-30	SEC XBRL LongTermDebtNoncurrent (companyfacts) 0001141391-26-000083	unverified
debt_lt_current	2459000000.0	2026-06-30	SEC XBRL LongTermDebtCurrent 0001141391-26-000083	unverified
Operating income FY2021	10082000000.0	2021-12-31 history	SEC XBRL OperatingIncomeLoss 0001141391-24-000022	unverified
Revenue FY2021	18884000000.0	2021-12-31 history	SEC XBRL Revenues 0001141391-24-000022	unverified
Operating income FY2022	12264000000.0	2022-12-31 history	SEC XBRL OperatingIncomeLoss 0001141391-25-000011	unverified
Revenue FY2022	22237000000.0	2022-12-31 history	SEC XBRL Revenues 0001141391-25-000011	unverified
Operating income FY2023	14008000000.0	2023-12-31 history	SEC XBRL OperatingIncomeLoss 0001141391-26-000013	unverified
Revenue FY2023	25098000000.0	2023-12-31 history	SEC XBRL Revenues 0001141391-26-000013	unverified
Operating income FY2024	15582000000.0	2024-12-31 history	SEC XBRL OperatingIncomeLoss 0001141391-26-000013	unverified
Revenue FY2024	28167000000.0	2024-12-31 history	SEC XBRL Revenues 0001141391-26-000013	unverified
Operating income FY2025	18897000000.0	2025-12-31 history	SEC XBRL OperatingIncomeLoss 0001141391-26-000013	unverified
Revenue FY2025	32791000000.0	2025-12-31 history	SEC XBRL Revenues 0001141391-26-000013	unverified
Operating cash flow FY2021	9463000000.0	2021-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001141391-24-000022	unverified
Capital expenditure FY2021	407000000.0	2021-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001141391-24-000022	unverified
Operating cash flow FY2022	11195000000.0	2022-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001141391-25-000011	unverified
Capital expenditure FY2022	442000000.0	2022-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001141391-25-000011	unverified
Operating cash flow FY2023	11980000000.0	2023-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001141391-26-000013	unverified
Capital expenditure FY2023	371000000.0	2023-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001141391-26-000013	unverified
Operating cash flow FY2024	14780000000.0	2024-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001141391-26-000013	unverified
Capital expenditure FY2024	474000000.0	2024-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001141391-26-000013	unverified
Operating cash flow FY2025	17648000000.0	2025-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001141391-26-000013	unverified
Capital expenditure FY2025	489000000.0	2025-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001141391-26-000013	unverified
Shares outstanding	876009940.0	2026-07-27	SEC cover page 10-Q 0001141391-26-000083 (sum of classes (Class A Common Stock, par value $0.0001 per share 869,464,115 x 1; Class B Common Stock 6,545,825 x 1; class economics verified in https://www.sec.gov/Archives/edgar/data/1141391/000114139126000013/exb438-12312025.htm)); filing document https://www.sec.gov/Archives/edgar/data/1141391/000114139126000083/ma-20260630.htm 0001141391-26-000083	not cross-checked

Lynch GARP

49 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 PEG: P/E divided by 5-yr EPS growth (in % points)	1.8	<= 1.0	6.1 / 30
2 EPS growth, 5-yr compound rate	+21.0% a year	12% to 35% a year	20.0 / 20
3 P/E on latest annual EPS	37.7	<= 25	1.5 / 10
4 Borrowings / equity LongTermDebtNoncurrent + LongTermDebtCurrent	4.39	<= 0.5	0.0 / 15
5 Years of the last 5 in which EPS rose	5 of 5	5 of 5	15.0 / 15
6 Net cash (cash minus borrowings) / market cap	-2.4%	>= +10%	6.4 / 10

Inputs, 7 numbers with their sources

Input	Value	Period	Source	Check
Price (close, per traded unit)	623.6	2026-10-23	Alpaca Market Data (consolidated SIP daily bar)	not cross-checked
EPS diluted FY2025	16.52	2025-12-31 history	SEC XBRL EarningsPerShareDiluted 0001141391-26-000013	unverified
EPS diluted FY2020	6.37	2020-12-31 history	SEC XBRL EarningsPerShareDiluted 0001141391-23-000020	unverified
lt_debt	22184000000.0	2026-06-30	SEC XBRL LongTermDebtNoncurrent (companyfacts) 0001141391-26-000083	unverified
debt_lt_current	2459000000.0	2026-06-30	SEC XBRL LongTermDebtCurrent 0001141391-26-000083	unverified
equity	5611000000.0	2026-06-30	SEC XBRL StockholdersEquity (companyfacts) 0001141391-26-000083	unverified
cash	11291000000.0	2026-06-30	SEC XBRL CashAndCashEquivalentsAtCarryingValue (companyfacts) 0001141391-26-000083	unverified

Graham Enterprising

37 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 Current ratio	1.06	>= 1.5	1.8 / 15
2 Borrowings vs working capital LongTermDebtNoncurrent + LongTermDebtCurrent	16.23 x	<= 1.1x	0.0 / 15
3 No earnings deficit in the last 5 years	5 of 5 profitable	5 of 5	15.0 / 15
4 Pays a current dividend	yes	yes	10.0 / 10
5 EPS higher than five years earlier	6.37 -> 16.52	higher	10.0 / 10
6 Price / book value per share book value used because intangibles are not separated in the dataset (Graham uses net tangible assets)	97.36	<= 1.2	0.0 / 20
7 Price / net current asset value per share (current assets minus all liabilities) net current asset value not positive	—	<= 0.67	0.0 / 15

Inputs, 15 numbers with their sources

Input	Value	Period	Source	Check
Price (close, per traded unit)	623.6	2026-10-23	Alpaca Market Data (consolidated SIP daily bar)	not cross-checked
current_assets	26522000000.0	2026-06-30	SEC XBRL AssetsCurrent (companyfacts) 0001141391-26-000083	unverified
current_liabilities	25004000000.0	2026-06-30	SEC XBRL LiabilitiesCurrent (companyfacts) 0001141391-26-000083	unverified
lt_debt	22184000000.0	2026-06-30	SEC XBRL LongTermDebtNoncurrent (companyfacts) 0001141391-26-000083	unverified
debt_lt_current	2459000000.0	2026-06-30	SEC XBRL LongTermDebtCurrent 0001141391-26-000083	unverified
Net income FY2021	8687000000.0	2021-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Net income FY2022	9930000000.0	2022-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Net income FY2023	11195000000.0	2023-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Net income FY2024	12874000000.0	2024-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Net income FY2025	14968000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
Dividend years (Yahoo)	[2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026]	history	Yahoo Finance dividend history	not cross-checked
EPS diluted FY2025	16.52	2025-12-31 history	SEC XBRL EarningsPerShareDiluted 0001141391-26-000013	unverified
EPS diluted FY2020	6.37	2020-12-31 history	SEC XBRL EarningsPerShareDiluted 0001141391-23-000020	unverified
equity	5611000000.0	2026-06-30	SEC XBRL StockholdersEquity (companyfacts) 0001141391-26-000083	unverified
Shares outstanding	876009940.0	2026-07-27	SEC cover page 10-Q 0001141391-26-000083 (sum of classes (Class A Common Stock, par value $0.0001 per share 869,464,115 x 1; Class B Common Stock 6,545,825 x 1; class economics verified in https://www.sec.gov/Archives/edgar/data/1141391/000114139126000013/exb438-12312025.htm)); filing document https://www.sec.gov/Archives/edgar/data/1141391/000114139126000083/ma-20260630.htm 0001141391-26-000083	not cross-checked

Piotroski F-Score

89 of 100. partial: 7. How this is scored.

Test or factor	Value	Threshold	Points
1 Return on assets is positive	27.6%	pass = 1	11.11111111111111 / 11.11111111111111
2 Operating cash flow is positive	17,648M	pass = 1	11.11111111111111 / 11.11111111111111
3 Return on assets improved on the prior year	26.8% -> 27.6%	pass = 1	11.11111111111111 / 11.11111111111111
4 Operating cash flow exceeds net income (accruals)	17,648M vs 14,968M	pass = 1	11.11111111111111 / 11.11111111111111
5 Long-term debt / assets fell	36.3% -> 33.7%	pass = 1	11.11111111111111 / 11.11111111111111
6 Current ratio improved	1.03 -> 1.03	pass = 1	11.11111111111111 / 11.11111111111111
7 No new shares issued (share count did not rise) an input is not reported for one of the two years	—	pass = 1	None / 11.11111111111111
8 Operating margin improved (stand-in for gross margin, which the dataset does not carry)	55.3% -> 57.6%	pass = 1	11.11111111111111 / 11.11111111111111
9 Asset turnover (revenue / assets) improved	0.59 -> 0.61	pass = 1	11.11111111111111 / 11.11111111111111

Inputs, 25 numbers with their sources

Input	Value	Period	Source	Check
net_income 2025-12-31	14968000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
total_assets 2025-12-31	54157000000.0	2025-12-31 history	SEC XBRL Assets 0001141391-26-000083	unverified
cfo 2025-12-31	17648000000.0	2025-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001141391-26-000013	unverified
net_income 2025-12-31	14968000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
net_income 2024-12-31	12874000000.0	2024-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
total_assets 2025-12-31	54157000000.0	2025-12-31 history	SEC XBRL Assets 0001141391-26-000083	unverified
total_assets 2024-12-31	48081000000.0	2024-12-31 history	SEC XBRL Assets 0001141391-26-000013	unverified
cfo 2025-12-31	17648000000.0	2025-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001141391-26-000013	unverified
net_income 2025-12-31	14968000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss 0001141391-26-000021	unverified
lt_debt 2025-12-31	18251000000.0	2025-12-31 history	SEC XBRL LongTermDebtNoncurrent 0001141391-26-000083	unverified
lt_debt 2024-12-31	17476000000.0	2024-12-31 history	SEC XBRL LongTermDebtNoncurrent 0001141391-26-000013	unverified
total_assets 2025-12-31	54157000000.0	2025-12-31 history	SEC XBRL Assets 0001141391-26-000083	unverified
total_assets 2024-12-31	48081000000.0	2024-12-31 history	SEC XBRL Assets 0001141391-26-000013	unverified
current_assets 2025-12-31	23558000000.0	2025-12-31 history	SEC XBRL AssetsCurrent 0001141391-26-000083	unverified
current_assets 2024-12-31	19724000000.0	2024-12-31 history	SEC XBRL AssetsCurrent 0001141391-26-000013	unverified
current_liabilities 2025-12-31	22762000000.0	2025-12-31 history	SEC XBRL LiabilitiesCurrent 0001141391-26-000083	unverified
current_liabilities 2024-12-31	19220000000.0	2024-12-31 history	SEC XBRL LiabilitiesCurrent 0001141391-26-000013	unverified
operating_income 2025-12-31	18897000000.0	2025-12-31 history	SEC XBRL OperatingIncomeLoss 0001141391-26-000013	unverified
operating_income 2024-12-31	15582000000.0	2024-12-31 history	SEC XBRL OperatingIncomeLoss 0001141391-26-000013	unverified
revenue 2025-12-31	32791000000.0	2025-12-31 history	SEC XBRL Revenues 0001141391-26-000013	unverified
revenue 2024-12-31	28167000000.0	2024-12-31 history	SEC XBRL Revenues 0001141391-26-000013	unverified
revenue 2025-12-31	32791000000.0	2025-12-31 history	SEC XBRL Revenues 0001141391-26-000013	unverified
revenue 2024-12-31	28167000000.0	2024-12-31 history	SEC XBRL Revenues 0001141391-26-000013	unverified
total_assets 2025-12-31	54157000000.0	2025-12-31 history	SEC XBRL Assets 0001141391-26-000083	unverified
total_assets 2024-12-31	48081000000.0	2024-12-31 history	SEC XBRL Assets 0001141391-26-000013	unverified

Earnings record

SEC XBRL, by fiscal year (named by the calendar year it ends in); EPS split-adjusted to today's shares; each row links to the filing.

FY	Ended	Revenue, $M	Net income, $M	EPS diluted	Dividend	Filing
2013	2013-12-31	8,346	3,116	2.56	paid	0001141391-14-000003
2014	2014-12-31	9,473	3,617	3.1	paid	0001141391-17-000014
2015	2015-12-31	9,667	3,808	3.35	paid	0001141391-18-000009
2016	2016-12-31	10,776	4,059	3.69	paid	0001141391-19-000013
2017	2017-12-31	12,497	3,915	3.65	paid	0001141391-20-000032
2018	2018-12-31	14,950	5,859	5.6	paid	0001141391-21-000018
2019	2019-12-31	16,883	8,118	7.94	paid	0001141391-22-000023
2020	2020-12-31	15,301	6,411	6.37	paid	0001141391-23-000020
2021	2021-12-31	18,884	8,687	8.76	paid	0001141391-26-000021
2022	2022-12-31	22,237	9,930	10.22	paid	0001141391-26-000021
2023	2023-12-31	25,098	11,195	11.83	paid	0001141391-26-000021
2024	2024-12-31	28,167	12,874	13.89	paid	0001141391-26-000021
2025	2025-12-31	32,791	14,968	16.52	paid	0001141391-26-000021

Insider transactions

SEC Form 4 open-market purchases and sales from the insider data sets; latest 20.

Date	Insider	Role	Type	Shares	Price	Value
2026-10-16	Ling Hai	CFO	sale plan	4,317	620.00	2,676,540
2026-10-12	Genachowski Julius	director	sale plan	370	590.21	218,378
2026-10-09	Genachowski Julius	director	sale plan	1	590.00	590
2026-10-09	Genachowski Julius	director	sale plan	370	585.00	216,450
2026-09-02	Sachin J. Mehra	officer	sale plan	3,266	584.00	1,907,344
2026-08-31	Kirkpatrick Linda Pistecchia	officer	sale plan	923	593.54	547,837
2026-08-20	Sachin J. Mehra	officer	sale plan	1,000	572.07	572,070
2026-08-19	Sachin J. Mehra	officer	sale plan	120	572.41	68,689
2026-08-19	Sachin J. Mehra	officer	sale plan	966	573.99	554,474
2026-08-19	Sachin J. Mehra	officer	sale plan	1,150	574.73	660,940
2026-08-19	Sachin J. Mehra	officer	sale plan	1,168	575.77	672,499
2026-08-19	Sachin J. Mehra	officer	sale plan	1,280	576.82	738,330
2026-08-19	Sachin J. Mehra	officer	sale plan	628	577.90	362,921
2026-08-19	Sachin J. Mehra	officer	sale plan	400	579.35	231,740
2026-08-19	Sachin J. Mehra	officer	sale plan	732	580.39	424,845
2026-08-19	Sachin J. Mehra	officer	sale plan	840	581.58	488,527
2026-08-19	Sachin J. Mehra	officer	sale plan	160	582.25	93,160
2026-08-17	Kirkpatrick Linda Pistecchia	officer	sale plan	1,191	565.24	673,201
2026-08-05	Miebach Michael	CEO	sale plan	15,372	575.00	8,838,900
2026-08-05	Sachin J. Mehra	officer	sale plan	880	571.38	502,814

Filings and links

Third-party sites are linked only; nothing from them is stored here.

SEC: filing index, 8-K, Form 4, XBRL companyfacts
Prices: Yahoo Finance, Stooq
Elsewhere: morningstar, finviz, stockanalysis, seeking alpha, openinsider, google news

Cite as: The Claude Trader snapshot 2026-10-26, https://theclaudetrader.com/s/MA; data from SEC EDGAR XBRL and market prices (Alpaca Market Data, Yahoo Finance) to 2026-10-23. Data last checked 2026-10-26.