Mastercard Inc
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MA Q3 2025 request
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| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Revenue | 8,602 | 7,369 | +16.7% |
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| Payment network | 5,179 | 4,629 | +11.9% |
| Value-added services and solutions | 3,423 | 2,740 | +24.9% |
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| Payment Solutions | 8,602 | 7,369 | +16.7% |
Show Geography breakouts |
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| Asia Pacific, Europe, Middle East and Africa | 4,951 | 4,213 | +17.5% |
| North America | 3,651 | 3,156 | +15.7% |
| General & Administrative | 2,923 | 2,744 | +6.5% |
| Marketing And Advertising Expense | 245 | 220 | +11.4% |
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| Payment Solutions | 245 | 220 | +11.4% |
| Depreciation And Amortization | 290 | 225 | +28.9% |
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| Payment Solutions | 290 | 225 | +28.9% |
| Litigation Settlement Expense | 83 | 176 | -52.8% |
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| Payment Solutions | 83 | 176 | -52.8% |
| Operating Expenses | 3,541 | 3,365 | +5.2% |
| Operating Income | 5,061 | 4,004 | +26.4% |
| Investment Income Net | 81 | 76 | +6.6% |
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| Payment Solutions | -81 | -76 | -6.6% |
| Equity Securities Fv Ni Gain Loss | 41 | -62 | +166.1% |
| Interest Expense | -186 | -159 | -17.0% |
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| Payment Solutions | -186 | -159 | -17.0% |
| Other Non-Operating Income (Expense) | 2 | 7 | -71.4% |
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| Payment Solutions | 2 | 7 | -71.4% |
| Non-Operating Income (Expense) | -62 | -138 | +55.1% |
| Income Before Taxes | 4,999 | 3,866 | +29.3% |
| Income Tax Expense (Benefit) | 1,072 | 603 | +77.8% |
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| Payment Solutions | 1,072 | 603 | +77.8% |
| Net Income | 3,927 | 3,263 | +20.3% |
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| Payment Solutions | 3,927 | 3,263 | +20.3% |
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| Parent | 3,927 | 3,263 | +20.3% |
| Retained Earnings | 3,927 | 3,263 | +20.3% |
| EPS (Basic) | 4.35 | 3.54 | +22.9% |
| Wtd Avg Shares (Basic) | 903 | 923 | -2.2% |
| EPS (Diluted) | 4.34 | 3.53 | +22.9% |
| Wtd Avg Shares (Diluted) | 905 | 925 | -2.2% |
| Net Income Loss Attributable To Noncontrolling Interest | -6 | -4 | -50.0% |
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| Noncontrolling Interest | -6 | -4 | -50.0% |
| Labor And Related Expense (Q) | — | — | — |
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| Payment Solutions | 1,893 | 1,899 | -0.3% |
| Professional Fees (Q) | — | — | — |
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| Payment Solutions | 128 | 129 | -0.8% |
Balance Sheet
| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 10,313 | — | — |
| Restricted Cash And Cash Equivalents At Carrying Value | 478 | — | — |
| Deposits Assets Current | 2,054 | — | — |
| Investments | 335 | — | — |
| Accounts Receivable | 4,247 | — | — |
| Settlement Due From Customers | 1,842 | — | — |
| Prepaid Expenses & Other Current Assets | 3,954 | — | — |
| Total Current Assets | 23,223 | — | — |
| Non-Current Assets | |||
| Property, Plant & Equipment | 2,299 | — | — |
| Deferred Tax Assets | 1,546 | — | — |
| Goodwill | 9,574 | — | — |
| Other Non-Current Assets | 11,056 | — | — |
| Total Assets | 53,289 | — | — |
| Other Assets | |||
| Intangible Assets Net Excluding Goodwill | 5,591 | — | — |
| Current Liabilities | |||
| Accounts Payable | 935 | — | — |
| Settlement Due To Customers | 2,422 | — | — |
| Contract With Customer Liability Restricted Security Deposits Current | 2,054 | — | — |
| Litigation Reserve Current | 943 | — | — |
Show Loss Contingencies By Nature Of Contingency breakouts |
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| U.S. Merchant Lawsuit Settlement | 512 | — | — |
| Accrued Liabilities | 11,979 | — | — |
| Other Liabilities Current | 2,360 | — | — |
| Total Current Liabilities | 20,693 | — | — |
| Non-Current Liabilities | |||
| Long-Term Debt | 18,983 | — | — |
| Deferred Tax Liabilities | 326 | — | — |
| Other Non-Current Liabilities | 5,368 | — | — |
| Total Liabilities | 45,370 | — | — |
| Stockholders' Equity | |||
| Additional Paid-In Capital | 6,757 | — | — |
| Treasury Stock Value | -79,670 | — | — |
| Retained Earnings | 81,752 | — | — |
| Accumulated Other Comprehensive Income | -935 | — | — |
| Total Stockholders' Equity | 7,904 | — | — |
| Minority Interest | 15 | — | — |
| Stockholders Equity Including Portion Attributable To Noncontrolling Interest | 7,919 | 7,475 | +5.9% |
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| Accumulated Defined Benefit Plans Adjustment Including Portion Attributable To Noncontrolling Interest | -6 | -23 | +73.9% |
| Accumulated Foreign Currency Adjustment Including Portion Attributable To Noncontrolling Interest | -977 | -1,052 | +7.1% |
| Accumulated Gain Loss Cash Flow Hedge Including Noncontrolling Interest · Foreign Exchange Contract | 26 | 40 | -35.0% |
| Accumulated Gain Loss Cash Flow Hedge Including Noncontrolling Interest · Interest Rate Contract | -109 | -115 | +5.2% |
| Accumulated Other Comprehensive Income | -935 | -1,073 | +12.9% |
| Additional Paid In Capital | 6,757 | 6,290 | +7.4% |
| Aoci Including Portion Attributable To Noncontrolling Interest | -935 | -1,073 | +12.9% |
| Noncontrolling Interest | 15 | 35 | -57.1% |
| Parent | 7,904 | 7,440 | +6.2% |
| Retained Earnings | 81,752 | 70,258 | +16.4% |
| Translation adjustments on net investment hedge | 131 | 76 | +72.4% |
| Treasury Stock Common | -79,670 | -68,035 | -17.1% |
| Total Liabilities & Equity | 53,289 | — | — |
Cash Flow Statement
| Metric | YTD Q3 2025 | YTD Q3 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Amortizationof Customerand Merchant Incentives | 1,526 | 1,328 | +14.9% |
| Depreciation Amortization And Accretion Net | 846 | 666 | +27.0% |
| Equity Securities Fv Ni Realized Gain Loss | -16 | 69 | -123.2% |
| Stock-Based Compensation | 485 | 418 | +16.0% |
| Deferred Income Taxes | 77 | -261 | +129.5% |
| Other Non-Cash Items | 99 | 117 | -15.4% |
| Change in Accounts Receivable | -264 | 99 | -366.7% |
| Increase Decrease Settlement Due From Customers | -14 | -743 | +98.1% |
| Increase Decrease In Prepaid Expense | -2,939 | -2,776 | -5.9% |
| Increase Decrease In Accrued Litigation | -4 | -59 | +93.2% |
| Change in Deferred Revenue | 180 | 23 | +682.6% |
| Change in Accounts Payable | -28 | 59 | -147.5% |
| Increase Decrease Settlement Due To Customers | 102 | 731 | -86.0% |
| Increase Decrease In Accrued Liabilities | 658 | 671 | -1.9% |
| Increase Decrease In Other Operating Capital Net | 1,030 | 72 | +1330.6% |
| Net Cash from Operations | 12,646 | 9,946 | +27.1% |
| Investing Activities | |||
| Purchases of Investments | -385 | -414 | +7.0% |
| Payments For Proceeds From Heldtomaturity Securities Shortterm | -28 | -98 | +71.4% |
| Proceeds From Sale Of Available For Sale Securities Debt | 192 | 171 | +12.3% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 183 | 204 | -10.3% |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 46 | 363 | -87.3% |
| Capital Expenditures | -377 | -379 | +0.5% |
| Payments To Acquire Software | -548 | -565 | +3.0% |
| Other Investing Activities | -24 | -6 | -300.0% |
| Net Cash from Investing | -941 | -724 | -30.0% |
| Financing Activities | |||
| Share Repurchases | -8,169 | -7,565 | -8.0% |
| Payments Of Dividends | -2,072 | -1,842 | -12.5% |
| Proceeds From Issuance Of Debt | 1,242 | 3,960 | -68.6% |
| Debt Repayments | -750 | -1,336 | +43.9% |
| Tax Withholding for Share Compensation | -283 | -175 | -61.7% |
| Proceeds From Stock Options Exercised | 139 | 163 | -14.7% |
| Proceeds From Payments For Other Financing Activities | -100 | — | — |
| Net Cash from Financing | -9,993 | -6,795 | -47.1% |
| Other Cash Flow | |||
| Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 325 | 75 | +333.3% |
| Net Change in Cash | 2,037 | 2,502 | -18.6% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 12,845 | 12,967 | -0.9% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.