Amortization of customer incentives
Mastercard Amortization of customer incentives increased by 8.4% to $620.00M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 30.3%, from $476.00M to $620.00M. Over 4 years (FY 2021 to FY 2025), Amortization of customer incentives shows an upward trend with a 11.2% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
An increase indicates higher historical investment in customer acquisition or retention, while a decrease may reflect lower incentive spending or contract maturity.
Detailed definition
Represents the non-cash amortization expense related to long-term agreements with financial institutions and merchants t...
Peer comparison
Common in payment networks and fintech firms that utilize volume-based incentives to secure market share.
operating_amortizationof_customerand_merchant_incentivesHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $313.00M | $344.00M | $376.00M | $430.00M | $382.00M | $385.00M | $389.00M | $378.00M | $404.00M | $414.00M | $426.00M | $411.00M | $415.00M | $502.00M | $502.00M | $476.00M | $517.00M | $533.00M | $572.00M | $620.00M |
| QoQ Change | — | +9.9% | +9.3% | +14.4% | -11.2% | +0.8% | +1.0% | -2.8% | +6.9% | +2.5% | +2.9% | -3.5% | +1.0% | +21.0% | +0.0% | -5.2% | +8.6% | +3.1% | +7.3% | +8.4% |
| YoY Change | — | — | — | — | +22.0% | +11.9% | +3.5% | -12.1% | +5.8% | +7.5% | +9.5% | +8.7% | +2.7% | +21.3% | +17.8% | +15.8% | +24.6% | +6.2% | +13.9% | +30.3% |
Amortization of customer incentives at Other Companies
Frequently Asked Questions
- What is Mastercard's amortization of customer incentives?
- Mastercard (MA) reported amortization of customer incentives of $620.00M in Q1 2026.
- How has Mastercard's amortization of customer incentives changed year-over-year?
- Mastercard's amortization of customer incentives increased by 30.3% year-over-year, from $476.00M to $620.00M.
- What is the long-term trend for Mastercard's amortization of customer incentives?
- Over 4 years (2021 to 2025), Mastercard's amortization of customer incentives has grown at a 11.2% compound annual growth rate (CAGR), from $1.37B to $2.10B.
- What does amortization of customer incentives mean?
- The non-cash expense of spreading out the cost of long-term customer incentive payments over time.