Mastercard Inc. (MA) Buy, Sell or Hold

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Mastercard Inc. (MA)

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490.94

+1.15 (0.23%)

as of Jun 18, 2026, 11:04:55 pm Market Open.

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Mastercard announced that any of its merchants can soon offer crypto services. Cryptos have come remarkably far. Institutions have been waiting for and buying pullbacks hard. More regulation is good for prices, too. For MA, it's a story about embracing the future. MA has been held back by Covid reopening headwinds, but those headwinds are lifting fast, so MA looks interesting now.

HOLD

Great business model. Don't sell. A payment system, not a credit card company. Takes on no risk. Pandemic has encouraged people to use less cash. Good organic growth globally. Going into the buy now-pay later business. Travel will improve and they'll do well.

DON'T BUY

They do not take any credit risk. They are a transaction company, and with the move away from cash, MA will benefit. However, the valuation compared to their historic multiple is high. They used to trade at a market multiple. Now, it is at 2x the market multiple. It has been rerated. However, thinks it is stretched and any economic dislocation can see a big correction.

TOP PICK

More leverage to the international markets than Visa, and it's performed better than V over the last 3-5 years. Return to a more normal environment will spur consumer spending, especially in the lucrative travel and cross-border segment. Online sales are thriving. Extensive runway for growth. Lots of room still in move from cash to digital. (Analysts’ price target is $437.33)

BUY

Will benefit from today's FDA granting full approval to Pfizer's Covid drug, which will encourage cross-border travel. He's long liked this. This and Visa have been beaten up despite reporting strong quarters.

DON'T BUY

Admires MA and Visa very much, as they've executed extremely well. And that's the problem, as the multiples are now priced for perfection. Trading at almost 2x the market multiple. Will benefit from the reopening, but still too pricey for him. Better opportunities elsewhere. Loves the companies, but not the stocks.

BUY

They report Thursday. He expects them to tell a good story. It would benefit from cross-border travel.

DON'T BUY

Re-rated to too high a multiple. Both it and Visa are currently at north of 40x current earnings, too high for potential growth even if that growth is exciting. He thinks fintech is very highly priced, many at 10-12x revenue. This includes PayPal, Square. Great companies and management. Future of financial industry will be not a competition between banks and fintech, but a partnership.

PAST TOP PICK

(A Top Pick Jul 14/20, Up 25%) It has been held back a little by the international travel reduction. It is a nice business model. The shares will go to a new level when international travel comes back. It should continue to do well.

TOP PICK

Will benefit from cross-border travel, and B2B penetration with value-added services they're layering on. Travel will add 6-7% EPS growth and new initiatives in C2B will add 11% volume growth through 2024. Value-added services include fraud authentication and analytics. He prefers this to Visa because of better exposure to developing markets and higher growth. MA will be 15% higher in 12-18 months. (Analysts’ price target is $429.84)

STRONG BUY

How to play the U.S. reopening in a short-term trade. She prefers longer-term names in tech--data infrastructure (driven by the infrastructure bill). Or to participate in air travel, cruise ships, etc. buy MA. MA is one ofher favourite reopening trades. This long weekend, 38 million Americans will be on the roads, using credit cards to pay for everything to travel, fly, see concerts or movies in theatres.

TOP PICK

Smaller than Visa, more leveraged on an international scale, especially with travel and cross-border transactions. 18B in expected 2021 revenue. Faster than expected vaccine rollout will fuel consumer spending in a return to a more normal economic environment. Expects 18% annualized growth. Long-term, secular trend away from cash. Yield is 0.49%. (Analysts’ price target is $428.66)

TOP PICK

Second largest global payments system after Visa. Taps into a more normal economic backdrop and especially lucrative travel transactions. Long growth runway of moving from cash to digital. Annualized revenue growth should grow to 17%. Yield is 0.47%. (Analysts’ price target is $392.65)

BUY

He owns MA instead of Visa, but both stocks will have similar performance. MA has higher exposure to Europe and growth geographies. Both are high quality compounders. Both will benefit as we go to a cashless society and from the recovery of cross-border travel. Sees topline growth at 18%, and EPS growth up to 20%.

DON'T BUY

Paypal earns $3.50-$4.00 per share, which is around 80x earnings. People pay for expectation of flow of cashflow. There is hype in fintech. You must marry the opportunity for the price of it. Fintech presents a big opportunity. However, is the price worth it? Would pass on Paypal, and also on Mastercard even. Too expensive right now.

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