InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$617.42

2026-10-16

Market Cap

$540.9B

Volume

3.3M

52-Wk High

$622.46

52-Wk Low

$464.52

Trailing PE

33.9

P/S

15.42

Gross Margin

100.0%

Net Margin

46.3%

ROE

232%

ROIC

47%

Piotroski

6/9

Altman Z

10.3

1-Yr Return

+12.3%

5-Yr Return

+130.7%

Mastercard Incorporated is a global technology firm specializing in providing transaction processing and a wide array of payment solutions, operating across the United States and internationally. Its core business centers on enabling the entire payment transaction lifecycle â including authorization, clearing, and settlement â alongside offering a spectrum of complementary payment services. The company provides a comprehensive suite of integrated products and value-added services to a diverse clientele, which includes individual account holders, merchants, financial institutions, businesses, governments, and other organizations. These offerings span programs enabling deferred payment credit, prepaid card management services, commercial credit and debit solutions, and tools for accessing funds in deposit and other accounts. Additionally, Mastercard offers advanced cyber and intelligence solutions designed to secure transactions for all participants, and provides proprietary insights derived from the responsible utilization of consumer and merchant data. For online merchants, its specialized offerings encompass analytics, experimental "test and learn" platforms, consulting, managed services, loyalty programs, payment processing, and secure gateway technologies. The company also operates open banking and digital identity platforms. Its prominent payment solutions are delivered under the MasterCard, Maestro, and Cirrus brands. Established in 1966, Mastercard Incorporated is headquartered in Purchase, New York.

SectorFinancial ServicesIndustryFinancial - Credit ServicesExchangeNYSEMarket Cap$540.9BEmployees39,800 (SEC-filed)CEOMichael MiebachIPO2006-05-25CountryUS

2000 Purchase Street, Purchase, NY 10577 · Tel 914 249 2000 · mastercard.com

INSIDERSTREET SCORE77 / 100Street mean $668.50 (14 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$61M sold / 6 mo, zero open-market buys

1 Year vs S&P 500 · MA +12.3% · S&P 500 +15.9% · spread -3.6pp

7 Years vs S&P 500 · MA +130.7% · S&P 500 +189.9% · spread -59.1pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE77of 100

Score Breakdown

Profitability	100/100
Growth	89/100
Momentum	86/100
Quality	67/100
Earnings Quality	76/100
Balance Sheet	58/100
Value	44/100
Risk (safety)	100/100
Overall	77.4/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
V	73
AXP	56
COF	63
BAC	55
HSBC	55
JPM	54
MA	77

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 83 in 25 Q4, latest 77 — -5 since. Fell in 2 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY77 / 100IS Score 77.4 / 100 · -5.2 from peak of 83

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBULLISHTechnical Score 87 / 100 · Power +74 · 20 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit above the midpoint — business quality at 77 and price structure at 87 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 77.4	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 83 → 83 → 82 → 77	the direction matters more than the level
Technical vote share back above 50%	now 100%	price structure no longer broken
Institutional holder count rises two quarters running	peak 3,703 → now 3,604	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score3 of 4top 4% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)14 buys2026-06-29

Insider Buys (180d)0none disclosed

ETF Funds (30d)1769 up / 1475 downnet +294 funds

Institutions Added (13F)9managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 3,703 · latest 3,604 (-99 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	3,604	777.3M	$385.2B	88.1%
2026 Q1	3,595	767.4M	$371.0B	87.0%
2025 Q4	3,703	861.4M	$434.4B	97.7%
2025 Q3	3,464	781.4M	$428.4B	88.6%
2025 Q2	3,497	817.0M	$433.0B	92.6%
2025 Q1	3,451	801.6M	$424.8B	90.9%
2024 Q4	3,403	802.1M	$407.6B	90.9%
2024 Q3	3,100	718.2M	$337.6B	81.4%
2024 Q2	3,076	711.9M	$301.8B	80.7%
2024 Q1	3,073	713.0M	$328.1B	80.8%
2023 Q4	2,994	712.3M	$292.0B	80.8%
2023 Q3	2,773	711.9M	$270.6B	80.7%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Genachowski Julius	director	2026-10-12	SELL	370	$0.22M	8,237
Genachowski Julius	director	2026-10-09	SELL	370	$0.22M	8,608
Genachowski Julius	director	2026-10-09	SELL	1	$0.00M	8,607
Huntsman Jon M Jr	V Chair & Pres Strategic Grwth	2026-10-01	TAX W/H	178	$0.10M	4,666
Ling Hai	Chief Financial Officer	2026-10-01	TAX W/H	88	$0.05M	35,750
Mclaughlin Edward Grunde	President & CTO, MA Tech	2026-10-01	TAX W/H	99	$0.05M	38,640
Sachin J. Mehra	Chief Business Officer	2026-10-01	TAX W/H	207	$0.11M	36,443
Miebach Michael	director, President & CEO	2026-10-01	TAX W/H	530	$0.29M	93,163

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	49	108,816	$60.7M	Counted
M — Exercises (paired A/D)	8	76,161	$17.4M	None — mechanics
F — Tax withholding	28	63,958	$32.8M	None — compensation
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$60.7M49 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-10-16	Hai Ling	4,317	$2.7M
2026-10-13	Julius Genachowski	370	$0.2M
2026-10-09	Julius Genachowski	371	$0.2M
2026-09-02	Sachin Mehra	3,266	$1.9M
Trailing 12 mo	22 filings	151,778	$85M

Filed	Form	Reporting person	% of class	Shares
2026-04-30	SCHEDULE 13G	Vanguard Capital Management	6.82%	60.4M sh
2026-04-16	SCHEDULE 13G/A	Mastercard Foundation	7.40%	65.2M sh
2026-03-27	SCHEDULE 13G/A	The Vanguard Group	—	exit/reporting change
2025-08-01	SCHEDULE 13G/A	Mastercard Foundation	8.30%	75.2M sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Member	Chamber	Trade	Size band	Traded	Disclosed
Michael McCaul	House	SELL	$1,001 - $15,000	2026-08-25	2026-10-16
Michael McCaul	House	BUY	$1,001 - $15,000	2026-06-29	2026-07-13
Michael T. McCaul	House	BUY	$1,001 - $15,000	2026-06-29	2026-07-13
Tommy Tuberville	Senate	SELL	$15,001 - $50,000	2026-06-08	2026-07-16
Thomas Hawley Tuberville	Senate	SELL	$15,001 - $50,000	2026-06-08	2026-07-16
Shelley Moore Capito	Senate	BUY	$1,001 - $15,000	2026-03-28	2026-04-12

House 12-Mo35 trades23 purchases

Senate 12-Mo8 trades4 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

13F Filers (last complete Q)3,595

13F Shares767M87.0% of shares out

New / Closed188 / 227positions, QoQ

Increased / Reduced1,383 / 1,562positions, QoQ

Put/Call (13F)1.19option positions

Free Float99.1%868M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Pinestone Asset Management Inc.	1.8M	$986M
Ninety One Uk Ltd	925,186	$510M
Banque Pictet & Cie Sa	898,221	$495M
Sarasin & Partners Llp	669,023	$369M
Vontobel Holding Ltd.	355,950	$196M
Fjarde Ap-Fonden /Fourth Swedish N	326,721	$180M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.6%	$13.7B
VTI	0.6%	$13.7B
VTSAX	0.6%	$13.7B
VSMPX	0.6%	$13.7B
VFINX	0.7%	$11.7B
VOO	0.7%	$11.7B

13F Filers Holding MA — quarterly

Institutional Put/Call — quarterly

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Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session36.0%2026-10-15

20-Day Avg34.2%50-day 38.4%

TrendFalling20d vs 50d

By Market CenterQ: 35% · N: 49% · B: 45%latest session

Weekly Notional ($B)

Where MA Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	4.8M	34 sh
Ubsa Ubs Ats	4.2M	37 sh
Sgmt Sigma X2	2.5M	29 sh
Mspl Ms Pool (Ats-4)	1.6M	77 sh
Ebxl Level Ats	1.6M	20 sh
Bids Bids Ats	1.6M	233 sh

Where a dollar of Mastercard Incorporated revenue goes. All values FY2025 filings, live.

Region	Revenue	Share
International Markets	$18.7B	57%
Americas	$14.0B	43%

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MA (live moat model)Peer median: V · AXP · COF · BAC · HSBC

Component scores from the live moat model. Peer median illustrative.

Moat score 79/100 — Wide; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
Michael Miebach	Chief Executive Officer, President & Director
Ling Hai	Chief Financial Officer
Sachin Mehra	Chief Business Officer
Craig E. Vosburg	Vice Chair

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Quarterly EPS — Actual vs. Consensus

Beats (>2%)5 of 6recent quarters

Avg Surprise+5.1%

Next Report2026-10-29

Income Quality1.07OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

Profit Margins (%)

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Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+23.4%	+17.8%	+12.9%	+12.2%	+16.4%
Gross profit	+25.0%	+17.9%	+12.4%	+12.7%	+27.3%
Operating income	+24.8%	+21.6%	+14.2%	+11.2%	+24.5%
Net income	+35.5%	+14.3%	+12.7%	+15.0%	+16.3%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	18.9	22.2	25.1	28.2	32.8
Cost of revenue	4.5	5.3	6.0	6.7	5.4
Gross profit	14.4	17.0	19.1	21.5	27.4
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	3.4	3.5	3.6	4.3	7.1
Operating income	10.1	12.3	14.0	15.6	19.4
EBITDA	11.5	13.0	15.0	16.8	20.2
D&A	0.7	0.8	0.8	0.9	1.1
Pretax income	10.3	11.7	13.6	15.3	18.6
Income tax	1.6	1.8	2.4	2.4	3.6
Net income	8.7	9.9	11.2	12.9	15.0
Diluted EPS ($)	8.76	10.23	11.83	13.89	16.52
Diluted shares (M)	992	971	946	927	898

Operating CF$17B

CapEx$0B

Free cash flow$17B

SBC$1B

Buybacks$12B

Net cash change$2B

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Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	7.0	8.6	8.4	11.1
ST investments	0.4	0.6	0.3	0.3
Receivables (net)	3.4	4.1	3.8	6.2
Total current assets	16.6	19.0	19.7	23.6
PP&E (net)	2.0	2.1	2.1	2.3
Goodwill + intangibles	11.4	11.7	14.6	15.1
Total assets	38.7	42.4	48.1	54.2
Accounts payable	0.9	0.8	0.9	1.0
Short-term debt	0.3	1.3	0.8	0.7
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	14.2	16.3	19.2	22.8
Long-term debt	13.7	14.3	17.5	18.3
Total liabilities	32.3	35.5	41.6	46.4
Shareholders' equity	6.4	7.0	6.5	7.7

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	9.9	11.2	12.9	15.0
D&A	0.8	0.8	0.9	2.1
Stock-based compensation	0.3	0.5	0.5	0.6
Working capital change	(0.9)	(1.9)	(1.0)	(1.7)
Operating cash flow	11.2	12.0	14.8	17.4
Capital expenditures	(1.1)	(0.4)	(0.5)	(0.5)
Investing cash flow	(1.5)	(1.4)	(3.4)	(1.4)
Buybacks	(8.8)	(9.0)	(11.0)	(11.7)
Dividends paid	(1.9)	(2.2)	(2.4)	(2.8)
Debt issuance / (repay)	0.4	1.6	2.6	0.5
Financing cash flow	(10.3)	(9.5)	(10.8)	(14.2)
Free cash flow	10.1	11.6	14.3	16.9

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	126.8%	145.9%	169.3%	191.9%	210.5%	232%
ROA	24.4%	26.0%	27.6%	28.4%	29.3%	28.2%
ROIC	63.8%	80.4%	85.6%	82.5%	102.3%	47.3%
Gross margin	76.2%	76.3%	76.0%	76.3%	83.4%	100.0%
Operating margin	53.4%	55.2%	55.8%	55.3%	59.2%	58.8%
Net margin	46.0%	44.7%	44.6%	45.7%	45.6%	46.3%
EBITDA margin	60.7%	58.2%	59.8%	59.6%	61.6%	63.2%
FCF margin	45.8%	45.4%	46.3%	48.8%	52.1%	—
VALUATION
P/E	39.84	33.14	35.37	37.37	34.20	33.9
P/B	47.34	52.24	57.14	74.19	66.16	97.1
P/S	18.33	14.80	15.77	17.08	15.61	15.42
P/FCF	40.02	32.58	34.10	35.02	29.95	33.2
EV/EBITDA	30.72	25.91	26.80	29.21	25.72	25.0
EV/Revenue	18.65	15.09	16.03	17.42	15.84	15.8
Earnings yield	2.5%	3.0%	2.8%	2.7%	2.9%	2.99%
FCF yield	2.5%	3.1%	2.9%	2.9%	3.3%	3.01%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	1.29	1.17	1.17	1.03	1.03	1.06
Quick ratio	1.29	1.17	1.17	1.03	1.03	1.06
Debt / equity	1.90	2.23	2.26	2.81	2.46	4.39
Debt / assets	36.9%	36.2%	36.9%	37.9%	35.1%	42.7%
Net debt / EBITDA	0.52	0.51	0.43	0.56	0.37	0.60
Interest coverage	24.91	25.91	24.72	24.61	26.39	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.53	0.58	0.62	0.62	0.64	0.61
Receivables turnover	9.57	6.92	6.71	7.19	7.82	7.0
DSO (days)	38	53	54	51	47	53
DPO (days)	51	58	53	48	65	—
Cash conversion cycle	-13	-5	1	3	-18	53
GROWTH (YoY)
Revenue growth	23.4%	17.8%	12.9%	12.2%	16.4%	—
Net income growth	35.5%	14.3%	12.7%	15.0%	16.3%	—
EPS growth	37.6%	17.0%	15.6%	17.5%	19.0%	—
FCF growth	32.7%	16.8%	15.0%	18.4%	24.4%	—
PER SHARE ($)
EPS (diluted, TTM)	8.81	10.31	11.92	14.01	16.67	18.43
Book value / share	7.42	6.54	7.38	7.06	8.62	6.36
Revenue / share	19.15	23.09	26.73	30.65	36.52	39.78
FCF / share	8.77	10.49	12.36	14.95	19.03	18.44
Cash / share	8.01	7.69	9.78	9.55	12.76	13.16
SHAREHOLDER RETURN & SCORES
Buyback yield	1.7%	2.7%	2.3%	2.3%	0.7%	1.69%
Altman Z-Score	10.12	9.73	10.54	10.76	10.60	10.3
Piotroski F-Score	8	7	7	7	9	6/9
Beneish M-Score	-2.28	-2.44	-2.38	-2.66	-2.47	-2.79

Model	Score	Zone	Note
Piotroski F-Score	6 / 9	Middling
Altman Z-Score	10.3	Safe (>2.99)	Safe
Income quality	1.07	Cash-backed	OCF ÷ net income
Beneish M-Score	-2.79	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.81
Interest burden	0.98
Operating margin	58.9%
Asset turnover	0.64×
Financial leverage	8.09×
= ROE	241%

Growth Quality (live)	Value
Revenue stability	0.99
Earnings stability	0.98
Earnings persistence	0.92
Revenue CAGR 3y	14.1%
EPS CAGR 3y	19.5%
FCF CAGR 3y	15.2%

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Buyback Yield1.69%

Dividend Yield0.56%

Total Shareholder Return2.30%cash yield

SBC / Revenue1.4%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
V	$751.7B	34.2	61%	48.4%	+14.4%	5/9	+20.3%
AXP	$211.8B	19.0	34%	14.4%	+9.4%	9/9	-2.9%
COF	$123.8B	12.5	9%	15.2%	+36.7%	7/9	-0.3%
BAC	$358.2B	12.0	11%	18.4%	+3.0%	8/9	+2.1%
HSBC	$324.6B	13.5	14%	23.2%	+8.7%	7/9	—
JPM	$903.0B	14.2	18%	25.7%	+8.0%	8/9	—
MS	$284.8B	14.2	19%	16.2%	+16.7%	7/9	—
GS	$256.6B	12.5	17%	17.2%	-6.8%	5/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

65 Analysts

Str Sell (0)Sell (0)Hold (13)Buy (51)Str Buy (1)

Mean Target (qtr)$668.5014 targets

Target vs. Price+8.3%last-quarter mean

Next Report2026-10-29street $5.16

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$37.28B	$37.54B / $37.14B	$19.96	$20.26 / $19.70	25
FY2027	$41.96B	$42.51B / $41.35B	$23.11	$23.72 / $22.50	26
FY2028	$46.96B	$48.59B / $44.98B	$26.86	$28.41 / $24.89	15

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$687.50	+11.4%	2
Last Quarter	$668.50	+8.3%	14
Last Year	$658.35	+6.6%	46
All Time	$548.24	-11.2%	128

Rolling mean of published targets vs. last close $617.42. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

B

DCF

4/5

ROE

5/5

ROA

5/5

Debt/Eq

1/5

P/E

1/5

P/B

1/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

MA +12.3% vs S&P 500 +15.9% — spread -3.6pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$574.77	+42.65	+7.42%	Above
SMA 50	$575.43	+41.99	+7.30%	Above
SMA 200	$532.84	+84.58	+15.87%	Above
EMA 9	$596.59	+20.83	+3.49%	Above
EMA 21	$583.10	+34.32	+5.89%	Above
EMA 50	$571.55	+45.87	+8.03%	Above
EMA 200	$546.02	+71.40	+13.08%	Above

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBULLISHPower Score +7420 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%100

Momentum 25%82

Volume 20%94

Volatility 10%100

Patterns 15%50

This Week100% bullishof 11 price-based votes

4 Weeks Ago18%+82 pts since

12 Weeks Ago55%+45 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$574.77

Price vs SMA 50$575.43

Price vs SMA 200$532.84

EMA 9/21 Cross596.6/583.1

SMA 50/200Golden

ADX DirectionADX 27

Supertrend$587

Parabolic SAR$581

SMA Slope2.610

RSI75.2

Stochastic K/D94/95

StochRSI K/D99/99

Williams %R-7

CCI168

TSI vs Signal28.1

CMO50.3

ROC11.95%

OBV SignalAccum

Chaikin MF0.110

MFI70

Force Index14M

Elder Ray Bull39.36

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 95

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$614.39 / $621.73 / $627.14	S1 / S2	$608.98 / $601.64
Bollinger (20,2)	$532.65 – $616.89	Squeeze	Off
52-wk range	$464.52 – $622.46	Off 52-wk high	-0.8%
ATR (14)	$10.23 (1.7%)	Historical vol	19.7%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

+1.3%Jan55%

+0.7%Feb55%

+1.2%Mar65%

+5.1%Apr79%

+2.0%May65%

-0.4%Jun45%

+2.5%Jul70%

+2.1%Aug65%

+0.6%Sep55%

+3.0%Oct70%

+4.6%Nov80%

+2.0%Dec60%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	MA	S&P 500
Weekly volatility (σ, 1y)	3.11%	1.83%
Best / worst week (1y)	+7.4% / -6.0%	—
Max drawdown (5y, monthly)	-38.6%	—
1-week VaR (95%)	-5.1%	—
Beta (5y)	0.73	1.00

MA EQUITY WEATHER (LIVE)PARTLY CLOUDY · +31

Trend+49

Momentum+77

Volume+42

Volatility-60

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 773 stories, weekly buckets, −1 to +1.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall+31.1+51.8 vs industry

Trend+49.1+76.9 vs industry

Momentum+76.8+88.8 vs industry

Volume+42.1+67.1 vs industry

Reading	MA	Financial - Credit Services n=681	Financial Services n=24,134	All US symbols n=70,435
Overall	+31.1	-20.7	-16.3	-20.5
Trend	+49.1	-27.8	-12.5	-21.3
Momentum	+76.8	-12.0	-4.4	-15.8
Volume	+42.1	-25.0	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Michael Miebach President and Chief Executiv	$35.4M	81% equity+incentive
Sachin Mehra Chief Financial Officer	$13.7M	79% equity+incentive
Craig Vosburg Chief Services Officer	$12.3M	78% equity+incentive
Timothy Murphy Vice Chair (formerly Chief Ad	$10.4M	77% equity+incentive
Edward McLaughlin President and CTO, Masterc	$8.3M	76% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	54
Social	54
Governance	61
Composite ESG	56

Composite ESG Trend

Filed	8-K contents	Items
2026-07-30	Earnings Release; Exhibits	2.02,9.01
2026-06-17	Shareholder Vote	5.07
2026-06-08	Other Events; Exhibits	8.01,9.01
2026-06-02	Officer/Director Change; Exhibits	5.02,9.01
2026-05-07	Officer/Director Change; Exhibits	5.02,9.01
2026-04-30	Earnings Release; Exhibits	2.02,9.01
2026-02-05	Departure/Election of Directors; Appointment of Officers	5.02
2026-01-29	Results of Operations and Financial Condition; Financial Statements an	2.02,9.01

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-10-28 to 2026-07-30
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	82 rows · 2006 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-08-19 to 2026-10-12
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	4 rows · 2025-08-01 to 2026-04-30
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Mastercard Incorporated (MA)

Mastercard Incorporated (MA)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Mastercard Incorporated (MA)

Institutions holding — 12 quarters

Mastercard Incorporated (MA)

Monthly Net Insider Flow (000 shares)

Signal Summary

Mastercard Incorporated (MA)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding MA — quarterly

Institutional Put/Call — quarterly

Mastercard Incorporated (MA)

Where MA Trades in the Dark

Mastercard Incorporated (MA)

3.8 · Employees (SEC filings)

Mastercard Incorporated (MA)

Mastercard Incorporated (MA)

Mastercard Incorporated (MA)

Balance Sheet — Full

Cash Flow Statement — Full

Mastercard Incorporated (MA)

Mastercard Incorporated (MA)

Mastercard Incorporated (MA)

Mastercard Incorporated (MA)

Street Price Target — Trajectory

Third-Party Composite Rating

Mastercard Incorporated (MA)

Mastercard Incorporated (MA)

Family Scores (site weights)

Mastercard Incorporated (MA)

Mastercard Incorporated (MA)

Mastercard Incorporated (MA)