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Just reported
Q3 2026 results
From Mastercard's results release of October 29, 2026; its quarterly report has since been filed.
Revenue
Actual
$9.81B
+14% y/y
+5.7% q/qGuided
—
No guide given
EPS, GAAP
Actual
$5.28
+22% y/y
+6.2% q/qGuided
—
No guide given
Operating income, GAAP
Actual
$5.86B
+16% y/y
+4.9% q/qGuided
—
No guide given
Set against the company's own guidance and the same quarter a year earlier, not analysts' estimates, which we do not hold. Adjusted figures are the company's own non-GAAP measures, as stated in the release.
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The themes Mastercard is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
The theme it is part of
Highest-graded in Credit Services
Graded A or B and worth $2B or more: A first, then the largest.
AXPAmerican Express Co.$213.3BA
COFCapital ONE Financial Corp.$116.5BA+
SOFISoFi Technologies, Inc.$20.3BA
FCFSFirstcash Holdings, Inc.$7.8BA+
OMFOnemain Holdings, Inc.$6.3BA
Grade rose recently in Financials
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.Nov 4, 2026CAGraded C, now A
HSBCHsbc Holdings plcOct 27, 2026CBGraded C, now B
GSThe Goldman Sachs Group, Inc.Nov 2, 2026BAGraded B, now A
WFCWells Fargo & CompanyOct 13, 2026BAGraded B, now A
CMECME Group Inc.Oct 21, 2026BAGraded B, now A
How it makes money
- Payment Network59%
- Value-Added Services and Solutions41%
Shares of revenue are estimates for quarter ended 2026-03-31, high confidence, not figures from a filing.
Competes with
What it sells6
Mastercard Move
A service for moving money between people and businesses, including through partnerships with payment providers.
Mastercard Agent Pay
A way for software agents acting for people or businesses to make payments using Mastercard's network, with features such as tokenization and dispute protections.
Mastercard Agent Pay for Machines
A payment protocol for software agents and machines to pay each other for digital services, such as computing, data and content.
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Mastercard Threat Intelligence
A service that identifies threats related to payment fraud, including malicious activity aimed at testing stolen card details.
Mastercard Merchant Trust Services
A set of artificial intelligence tools intended to identify fraudulent merchants.
Mastercard identity solutions
Tools customers use to check identities and confirm that transactions or customer sign-ups are genuine.
Who buys it5
- Banks and credit unions that issue Mastercard-branded cards to their customers, usually through commercial agreements.
- Banks and payment processors that connect merchants to the network and handle payment acceptance.
- Businesses that use commercial cards, virtual cards or money movement services for company payments.
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- Merchants that use Mastercard services for payment security, identity checks or customer engagement.
- Governments and public agencies that work with Mastercard to digitize benefits, disbursements or payment infrastructure.
What it stands on, and what could break it
What the business leans on
- 1The network relies on banks and other payment providers to issue cards, connect merchants and route transactions.
- 2Payment Network revenue depends on the amount and number of transactions processed through Mastercard's network.
- 3Some services use Mastercard transaction data and are distributed through the payment network or through partners.
- 4Domestic payment rules, local payment networks and data-storage or transfer requirements can affect how Mastercard operates in individual countries.
What could go wrong
- 1A security incident or exposure of account data could interrupt payment services, harm Mastercard's reputation and increase costs.
- 2Governments may favor domestic payment providers, require local processing or restrict data transfers, which could limit Mastercard's ability to route or support transactions in some markets.
- 3Merchant disputes and other legal or regulatory proceedings can lead to costs, including claims related to payment rules and merchant litigation.
About Mastercard Inc
Mastercard's network helps banks and other payment providers authorize and process card transactions between cardholders and merchants. It earns revenue from payment network activity and from services such as fraud prevention, cybersecurity, identity checks, business insights and money movement. It also works with customers and governments on payment infrastructure and digital disbursements.
- Head office
- Purchase, New York
- Founded
- 1966 (founding year, high confidence)
- Listed on
- NYSE
- Financial year ends
- December 31
Built from Mastercard Inc’s own filings with the U.S. Securities and Exchange Commission (SEC). Figures are as reported, with per-share history restated onto today’s share basis. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.