What is Mastercard's retained earnings?

Mastercard (MA) reported retained earnings of $91.77B in Q2 2026.

How has Mastercard's retained earnings changed year-over-year?

Mastercard's retained earnings increased by 16.9% year-over-year, from $78.51B to $91.77B.

What is the long-term trend for Mastercard's retained earnings?

Over 5 years (2020 to 2025), Mastercard's retained earnings has grown at a 17.0% compound annual growth rate (CAGR), from $38.75B to $85.04B.

What does retained earnings mean?

Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.

Mastercard MA Retained Earnings

Retained Earnings at other companies

American ExpressAXP

$26.38B+8.3%

VisaV

$12.75B-20.1%

PayPal Holdings, Inc.PYPL

$34.43B+15.1%

Pathward Financial, Inc.CASH

$339.25M+0.6%

CPI Card GroupPMTS

$86.8M+16.4%

U.S. BancorpUSB

$81.94B+5.5%

Other financials

Income statement

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Revenue$9.3B+14.1%

Operating income$5.6B+17.0%

Net income$4.4B+18.6%

EPS (diluted)$4.97+22.1%

Balance sheet

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Cash & equivalents$11.3B+25.0%

Total debt$24.6B+29.9%

Total equity$5.6B-28.5%

Total assets$57.7B+12.2%

Cash flow

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Operating cash flow$3.8B-18.0%

CapEx$291.0M+628%

Free cash flow$3.5B-23.7%

Valuation

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Market cap$497.24B-2.0%

Enterprise value$510.59B-1.3%

P/E30.6×-6.7×

P/S14.2×-2.6×

Profitability

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Operating margin58.3%+2.6pp

Net margin46.3%+1.4pp

FCF margin47.6%-7.1pp

Returns & leverage

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Return on equity241.5%+63.6pp

Debt / equity4.4×+2.0×

Current ratio1.1×-0.1×

Where this comes from

Reported directly by Mastercard in its filing.

Tagged under the XBRL concept us-gaap:RetainedEarningsAccumulatedDeficit.

The official record: Mastercard’s 10-Q, filed July 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Mastercard's retained earnings?: Mastercard (MA) reported retained earnings of $91.77B in Q2 2026.
How has Mastercard's retained earnings changed year-over-year?: Mastercard's retained earnings increased by 16.9% year-over-year, from $78.51B to $91.77B.
What is the long-term trend for Mastercard's retained earnings?: Over 5 years (2020 to 2025), Mastercard's retained earnings has grown at a 17.0% compound annual growth rate (CAGR), from $38.75B to $85.04B.
What does retained earnings mean?: Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.