In-Depth Analysis: Mastercard Versus Competitors In Financial Services Industry
In-Depth Analysis: Mastercard Versus Competitors In Financial Services Industry
In the fast-paced and cutthroat world of business, conducting thorough company analysis is essential for investors and industry experts. In this article, we will undertake a comprehensive industry comparison, evaluating Mastercard (NYSE:MA) in comparison to its major competitors within the Financial Services industry. By analyzing crucial financial metrics, market position, and growth potential, our objective is to provide valuable insights for investors and offer a deeper understanding of company's performance in the industry.
在快節奏和競爭激烈的商業世界中,進行徹底的公司分析對於投資者和行業專家至關重要。在本文中,我們將進行全面的行業比較,評估軟件行業內主要競爭對手與CrowdStrike Holdings (NASDAQ:CRWD)的比較。通過分析關鍵的財務指標、市場地位和增長潛力,我們的目標是爲投資者提供有價值的見解,深入了解公司在行業中的表現。萬事達(紐交所:MA)通過分析關鍵的財務指標、市場地位和增長潛力,我們的目標是爲投資者提供有價值的見解,並深入了解公司在金融服務行業中的表現,與其主要競爭對手相比。
Mastercard Background
萬事達背景
Mastercard is the second-largest payment processor in the world, having processed close to over $9 trillion in volume during 2023. Mastercard operates in over 200 countries and processes transactions in over 150 currencies.
萬事達是全球第二大支付處理器,在2023年處理了超過9萬億美元的交易量。萬事達在全球200多個國家和地區運營,可以處理超過150種貨幣的交易。
Company | P/E | P/B | P/S | ROE | EBITDA (in billions) | Gross Profit (in billions) | Revenue Growth |
---|---|---|---|---|---|---|---|
Mastercard Inc | 35.96 | 58.06 | 16.56 | 42.49% | $3.92 | $4.83 | 10.44% |
Visa Inc | 30.60 | 14.17 | 16.48 | 11.86% | $5.84 | $6.98 | 9.89% |
Fiserv Inc | 28.10 | 3.04 | 4.68 | 2.51% | $1.96 | $2.88 | 7.39% |
PayPal Holdings Inc | 14.66 | 2.94 | 2.09 | 4.25% | $1.56 | $3.46 | 9.36% |
Fidelity National Information Services Inc | 104.15 | 2.31 | 4.45 | 3.9% | $0.8 | $0.92 | 2.92% |
Block Inc | 105.48 | 2.06 | 1.71 | 2.51% | $0.51 | $2.09 | 19.38% |
Global Payments Inc | 18.92 | 1.09 | 2.53 | 1.39% | $0.95 | $1.5 | 5.57% |
Corpay Inc | 20.11 | 5.84 | 5.29 | 7.03% | $0.48 | $0.73 | 3.76% |
Jack Henry & Associates Inc | 32.20 | 6.84 | 5.57 | 4.97% | $0.17 | $0.21 | 5.9% |
WEX Inc | 28.34 | 4.11 | 2.89 | 3.66% | $0.23 | $0.39 | 6.65% |
Euronet Worldwide Inc | 18.81 | 3.93 | 1.43 | 2.1% | $0.09 | $0.32 | 8.87% |
Shift4 Payments Inc | 47.83 | 6.78 | 1.63 | 3.1% | $0.1 | $0.19 | 29.32% |
The Western Union Co | 7.15 | 10.28 | 1.01 | 32.55% | $0.24 | $0.41 | 1.18% |
StoneCo Ltd | 12.18 | 1.31 | 1.71 | 2.52% | $0.9 | $2.14 | 15.45% |
PagSeguro Digital Ltd | 11.16 | 1.42 | 2.13 | 3.57% | $1.77 | $0.2 | 10.15% |
DLocal Ltd | 17.50 | 4.67 | 3.34 | 3.8% | $0.05 | $0.06 | 34.34% |
Paymentus Holdings Inc | 77.09 | 5.01 | 3.43 | 1.66% | $0.02 | $0.05 | 24.64% |
Evertec Inc | 34.07 | 4.28 | 3.01 | 2.9% | $0.07 | $0.1 | 28.47% |
Payoneer Global Inc | 18.63 | 3.16 | 2.52 | 4.37% | $0.05 | $0.19 | 18.84% |
Average | 34.83 | 4.62 | 3.66 | 5.48% | $0.88 | $1.27 | 13.45% |
公司 | 市銷率P/S | 淨資產收益率ROE | 息稅前收入EBITDA (以十億計) | 毛利潤 (以十億計) | 營收增長 | CrowdStrike Holdings Inc (847.84) | 營業收入增長 |
---|---|---|---|---|---|---|---|
萬事達公司 | 1,220,854 | 58.06 | 16.56 | 42.49% | $3.92 | $4.83 | 10.44% |
visa公司 | 30.60 | 14.17 | 16.48 | 11.86% | $5.84 | $6.98 | 9.89% |
Fiserv公司 | 28.10 | 3.04 | 4.68 | 2.51% | 1.96美元 | $2.88 | 7.39% |
PayPal Holdings Inc | 14.66 | 2.94 | 2.09 | 4.25% | 1.56美元 | 3.46美元 | 9.36% |
繁德信息技術公司 | 104.15 | 2.31 | 4.45 | 3.9% | $0.8 | 0.92美元 | 2.92% |
Block公司 | 105.48 | 2.06 | 1.71 | 2.51% | $0.51 | $2.09 | 19.38% |
Global Payments公司 | 18.92 | 1.09 | 2.53 | 1.39% | 0.95美元 | $1.5 | 5.57% |
Corpay公司 | 20.11 | 5.84 | 5.29 | 7.03% | 0.48美元 | 0.73美元 | 3.76% |
傑克·亨利和合夥人公司 | 32.20 | 6.84 | 5.57 | 4.97% | 0.17美元 | 0.21美元 | 5.9% |
wex inc | 28.34 | 4.11 | 2.89 | 3.66% | $0.23 | 0.39美元 | 6.65% |
Euronet Worldwide Inc | 18.81 | 3.93 | 1.43 | 2.1% | $0.09 | 0.32美元 | 8.87% |
shift4 payments inc | 47.83 | 6.78 | 1.63 | 3.1% | 0.1美元 | $0.19 | 29.32% |
西聯匯款公司 | 7.15 | 10.28 | 1.01 | 32.55% | 0.24美元 | $0.41 | 1.18% |
stoneco ltd | 12.18 | 1.31 | 1.71 | 2.52% | $0.9 | $2.14 | 15.45% |
pagseguro digital有限公司 | 11.16 | 1.42 | 2.13 | 3.57% | $1.77 | $0.2 | 10.15% |
DLocal有限公司 | 17.50 | 4.67 | 3.34 | 3.8% | $0.05 | 0.06美元 | 34.34% |
Paymentus Holdings Inc | 77.09 | 5.01 | 3.43 | 1.66% | $0.02 | $0.05 | 24.64% |
Evertec Inc | 34.07 | 4.28 | 3.01 | 2.9% | 0.07美元 | 0.1美元 | 28.47% |
Payoneer全球貨幣公司 | 18.63 | 3.16 | 2.52美元 | 4.37% | $0.05 | $0.19 | 18.84% |
平均值 | 通過分析萬事達卡,我們可以推斷出以下趨勢: | 4.62 | 3.66 | 5.48% | $0.88 | 1.27美元 | 13.45% |
By analyzing Mastercard, we can infer the following trends:
相對於其行業同行,以及根據市場位置和增長潛力等關鍵財務指標分析,萬事達卡在賬面價值方面可能被認爲是被高估的,因爲它的市淨率相較於行業同行較高。
The Price to Earnings ratio of 35.96 for this company is 1.03x above the industry average, indicating a premium valuation associated with the stock.
With a Price to Book ratio of 58.06, which is 12.57x the industry average, Mastercard might be considered overvalued in terms of its book value, as it is trading at a higher multiple compared to its industry peers.
With a relatively high Price to Sales ratio of 16.56, which is 4.52x the industry average, the stock might be considered overvalued based on sales performance.
The Return on Equity (ROE) of 42.49% is 37.01% above the industry average, highlighting efficient use of equity to generate profits.
The Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) of $3.92 Billion is 4.45x above the industry average, highlighting stronger profitability and robust cash flow generation.
The gross profit of $4.83 Billion is 3.8x above that of its industry, highlighting stronger profitability and higher earnings from its core operations.
The company's revenue growth of 10.44% is significantly below the industry average of 13.45%. This suggests a potential struggle in generating increased sales volume.
市盈率爲0.55x,低於行業板塊平均水平,表明該股票可能被低估。1,220,854 該公司的12.57x毛利潤高於行業平均水平,表明該股票有溢價估值的可能性。
以市淨率計算,特斯拉的比率爲58.06,該值是根據行業平均水平,萬事達卡在市銷率方面被認爲是被高估的,因爲其市銷率較高,相較於其他競爭對手而言。4.52x
由於市銷率達到6.88x,高於行業平均水平,因此從銷售業績的角度來看,該股票可能被認爲被高估了。16.56,該值是通過比較萬事達卡與其四個主要競爭對手的負債權益比率,可以得出以下結論:萬事達卡相對於其四個主要競爭對手處於較強的財務地位,其低負債權益比率證明了這一點。由於盈利之前的利息、稅、折舊和攤銷(EBITDA)低於行業平均水平的0.01x,該公司可能面臨較低的盈利能力或財務挑戰。
該公司的roe42.49%。37.01%高於行業平均水平,突顯出資產、權益的高效利用帶來的盈利。
拉姆研究的息稅前利潤爲39.20億美元。4.45倍高於行業平均水平,突顯了更強的盈利能力和強勁的現金流生成。
毛利潤爲48.30億美元。3.8倍這表明它從核心業務中實現了更強的盈利能力和更高的收益,高於行業平均水平。
,展示出優異的銷售業績和產品或服務的強勁需求。10.44%, 這明示着在增加成交量方面可能存在潛在的困難。13.45%負債與股本比率是一個幫助判斷公司資本結構風險水平的財務指標。
Debt To Equity Ratio
債務權益比率
The debt-to-equity (D/E) ratio gauges the extent to which a company has financed its operations through debt relative to equity.
負債與股本比率衡量了公司通過債務相對於股本來籌資運營的程度。
Considering the debt-to-equity ratio in industry comparisons allows for a concise evaluation of a company's financial health and risk profile, aiding in informed decision-making.
在行業比較中考慮債務權益比率可以簡明地評估公司的財務狀況和風險特徵,有助於投資者做出明智的決策。
By analyzing Mastercard in relation to its top 4 peers based on the Debt-to-Equity ratio, the following insights can be derived:
對於萬事達卡,PE、PB和PS比率都高於金融服務行業的同行,表明潛在的過度估值。另一方面,萬事達卡的高ROE、EBITDA和毛利潤顯示出相對於行業競爭對手而言的強勁盈利能力和運營效率。然而,低營業收入增長率可能會引起人們對公司在長期內維持財務表現的能力的擔憂。
Mastercard is in a relatively stronger financial position compared to its top 4 peers, as evidenced by its lower debt-to-equity ratio of 2.16.
This implies that the company relies less on debt financing and has a more favorable balance between debt and equity.
1.03x2.16.
這意味着公司更少地依賴於債務融資,並且在債務和股權之間具有更優的平衡。
Key Takeaways
要點
For Mastercard, the PE, PB, and PS ratios are all high compared to its peers in the Financial Services industry, indicating potential overvaluation. On the other hand, Mastercard's high ROE, EBITDA, and gross profit suggest strong profitability and operational efficiency relative to industry competitors. However, the low revenue growth rate may raise concerns about the company's ability to sustain its financial performance in the long term.
所有板塊中,創業板的市盈率高於其他板塊,市淨率和市銷率相對較低,表明除了服務業板塊以外,其他板塊的投資者可能會從長期的角度考慮開多。
This article was generated by Benzinga's automated content engine and reviewed by an editor.
本文由Benzinga的自動化內容引擎生成並由編輯審查。