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Mastercard MA Q4 2025 Annual earnings

Reported January 29, 2026 · Before market open

Revenue$8.8BBeat by $32.4M
EPS$4.76Beat by $0.52
Revenue estimate$8.8B
EPS estimate$4.24

Next report

Oct 29, 2026 (In 3 weeks)
Revenue estimate$9.6B
EPS estimate$5.16

Financials

Q4 2025

Income statement

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Revenue$8.8B+17.6%
Operating income$4.9B+24.7%
Net income$4.1B+21.5%
EPS (diluted)$4.52+24.2%

Balance sheet

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Cash & equivalents$10.6B+25.2%
Total debt$19.8B+4.5%
Total equity$7.7B+19.3%
Total assets$54.2B+12.6%

Cash flow

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Operating cash flow$5.0B+3.5%
CapEx$112.0M+17.9%
Free cash flow$4.9B+3.2%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$512.65B+6.1%
Enterprise value$521.91B+5.7%
P/E34.2×-3.3×
P/S15.6×-1.5×

Profitability

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Operating margin57.6%+2.3pp
Net margin45.6%-0.1pp
FCF margin52.3%+1.5pp

Returns & leverage

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Return on equity210.5%+18.5pp
Debt / equity2.6×-0.4×
Current ratio1×0.0×

Segments

By geography

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Asia Pacific, Europe, Middle East and Africa$5.0B+18.1%
Americas$3.5B+13.5%

By product

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Payment network$4.9B+11.5%
Value-added services and solutions$3.9B+26.3%

By segment

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Payment Solutions$8.8B+17.6%

FAQ

When did Mastercard report Q4 2025 earnings?
Mastercard (MA) reported Q4 2025 earnings on January 29, 2026 before market open.
What were Mastercard's Q4 2025 revenue and EPS?
Mastercard reported revenue of $8.8B and eps of $4.76 for Q4 2025.
Did Mastercard beat estimates in Q4 2025?
Revenue beat the consensus estimate of $8.8B by $32.4M. EPS beat the consensus estimate of $4.24 by $0.52.
How did Mastercard's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 17.6% from $7.5B a year earlier and eps grew 24.6% from $3.82.
Where can I find Mastercard's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001141391-26-000003) and the 10-K periodic report (0001141391-26-000013) directly on SEC EDGAR. The filing index links above go to sec.gov.