Mastercard Inc

MA 10-K · Q4 2025
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Income Statement

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Income Statement
Metric Q4 2025 Q4 2024 YoY
Revenue 8,806 7,489 +17.6%
Show Product Lines breakouts
Payment network 4,920 4,411 +11.5%
Value-added services and solutions 3,886 3,078 +26.3%
Show Business Segments breakouts
Payment Solutions 8,806 7,489 +17.6%
Show Geography breakouts
Asia Pacific, Europe, Middle East and Africa 4,969 4,207 +18.1%
Show — breakouts
Revenue 3,837 3,282 +16.9%
General & Administrative 3,106 2,745 +13.2%
Marketing And Advertising Expense 319 295 +8.1%
Show Business Segments breakouts
Payment Solutions 319 295 +8.1%
Depreciation And Amortization 297 231 +28.6%
Show Business Segments breakouts
Payment Solutions 297 231 +28.6%
Litigation Settlement Expense 174 280 -37.9%
Show Business Segments breakouts
Payment Solutions 174 280 -37.9%
Operating Expenses 3,896 3,551 +9.7%
Operating Income 4,910 3,938 +24.7%
Investment Income Net 86 96 -10.4%
Show Business Segments breakouts
Payment Solutions 564 558 +1.1%
Equity Securities F V N I And Without Readily Determinable Fair Value Gain Loss (Q) — — —
Show Business Segments breakouts
Payment Solutions -72 -98 +26.5%
Interest Expense -159 -184 +13.6%
Show Business Segments breakouts
Payment Solutions -159 -184 +13.6%
Other Non-Operating Income (Expense) 143 1 +14200.0%
Show Business Segments breakouts
Payment Solutions 143 1 +14200.0%
Non-Operating Income (Expense) -34 -47 +27.7%
Income Before Taxes 4,876 3,891 +25.3%
Income Tax Expense (Benefit) 816 549 +48.6%
Show Business Segments breakouts
Payment Solutions 816 549 +48.6%
Net Income 4,060 3,342 +21.5%
Show Business Segments breakouts
Payment Solutions 4,060 3,342 +21.5%
Show Equity Components breakouts
Parent 4,060 3,342 +21.5%
Retained Earnings 4,060 3,342 +21.5%
EPS (Basic) 4.52 3.64 +24.2%
Wtd Avg Shares (Basic) -3 -3 0.0%
EPS (Diluted) 4.52 3.64 +24.2%
Wtd Avg Shares (Diluted) -3 -3 0.0%
Net Income Loss Attributable To Noncontrolling Interest -6 -5 -20.0%
Show Equity Components breakouts
Noncontrolling Interest -6 -5 -20.0%
Labor And Related Expense (Q) — — —
Show Business Segments breakouts
Payment Solutions 1,818 1,653 +10.0%
Professional Fees (Q) — — —
Show Business Segments breakouts
Payment Solutions 189 191 -1.0%

Balance Sheet

Balance Sheet
Metric Q4 2025 Q4 2024 YoY
Current Assets
Cash & Cash Equivalents 10,566 8,442 +25.2%
Restricted Cash And Cash Equivalents At Carrying Value 561 492 +14.0%
Deposits Assets Current 2,121 1,874 +13.2%
Investments 332 330 +0.6%
Accounts Receivable 4,609 3,773 +22.2%
Settlement Due From Customers 1,626 1,821 -10.7%
Prepaid Expenses & Other Current Assets 3,743 2,992 +25.1%
Total Current Assets 23,558 19,724 +19.4%
Non-Current Assets
Deferred Tax Assets 1,567 1,614 -2.9%
Goodwill 9,560 9,193 +4.0%
Other Non-Current Assets 11,615 9,959 +16.6%
Total Assets 54,157 48,081 +12.6%
Property, Plant & Equipment 2,303 2,138 +7.7%
Show Geography breakouts
Non Us 1,135 1,043 +8.8%
US 1,168 1,095 +6.7%
Operating Lease Right-of-Use Assets 750 681 +10.1%
Intangible Assets 5,382 5,300 +1.5%
Show Finite Lived Intangible Assets By Major Class breakouts
Computer Software Intangible Asset 3,305 3,157 +4.7%
Customer Relationships 2,025 2,084 -2.8%
Other Intangible Assets 52 59 -11.9%
Other Assets
Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization 2,303 2,138 +7.7%
Intangible Assets Net Excluding Goodwill 5,554 5,453 +1.9%
Current Liabilities
Accounts Payable 999 929 +7.5%
Settlement Due To Customers 2,409 2,316 +4.0%
Deposit Liability Current 2,121 1,874 +13.2%
Litigation Reserve Current 800 930 -14.0%
Show Loss Contingencies By Nature Of Contingency breakouts
U.S. Merchant Lawsuit Settlement 637 559 +14.0%
Accrued Liabilities 13,272 10,393 +27.7%
Current Portion of Long-Term Debt 749 750 -0.1%
Other Liabilities Current 2,412 2,028 +18.9%
Total Current Liabilities 22,762 19,220 +18.4%
Non-Current Liabilities
Long-Term Debt 18,251 17,476 +4.4%
Deferred Tax Liabilities 307 317 -3.2%
Other Non-Current Liabilities 5,091 4,553 +11.8%
Total Liabilities 46,411 41,566 +11.7%
Operating Lease Liabilities 676 627 +7.8%
Stockholders' Equity
Additional Paid-In Capital 6,907 6,442 +7.2%
Treasury Stock Value -83,224 -71,431 -16.5%
Retained Earnings 85,035 72,907 +16.6%
Accumulated Other Comprehensive Income -981 -1,433 +31.5%
Total Stockholders' Equity 7,737 6,485 +19.3%
Minority Interest 9 30 -70.0%
Stockholders Equity Including Portion Attributable To Noncontrolling Interest 7,746 6,515 +18.9%
Show Equity Components breakouts
Accumulated Defined Benefit Plans Adjustment Including Portion Attributable To Noncontrolling Interest -12 -6 -100.0%
Accumulated Foreign Currency Adjustment Including Portion Attributable To Noncontrolling Interest -1,034 -1,558 +33.6%
Accumulated Gain Loss Cash Flow Hedge Including Noncontrolling Interest · Foreign Exchange Contract 46 -51 +190.2%
Accumulated Gain Loss Cash Flow Hedge Including Noncontrolling Interest · Interest Rate Contract -107 -113 +5.3%
Accumulated Other Comprehensive Income -981 -1,433 +31.5%
Additional Paid In Capital 6,907 6,442 +7.2%
Aoci Including Portion Attributable To Noncontrolling Interest -981 -1,433 +31.5%
Noncontrolling Interest 9 30 -70.0%
Parent 7,737 6,485 +19.3%
Retained Earnings 85,035 72,907 +16.6%
Translation Adjustments on Net Investment Hedge 126 295 -57.3%
Treasury Stock Common -83,224 -71,431 -16.5%
Total Liabilities & Equity 54,157 48,081 +12.6%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q4 2025 YTD Q4 2024 YoY
Operating Activities
Amortizationof Customerand Merchant Incentives 572 502 +13.9%
Depreciation Amortization And Accretion Net 297 231 +28.6%
Equity Securities Fv Ni Realized Gain Loss 104 -40 +360.0%
Stock-Based Compensation 112 108 +3.7%
Deferred Income Taxes -20 -266 +92.5%
Other Non-Cash Items 40 74 -45.9%
Change in Accounts Receivable -378 87 -534.5%
Increase Decrease Settlement Due From Customers 216 150 +44.0%
Increase Decrease In Prepaid Expense -449 -449 0.0%
Increase Decrease In Accrued Litigation -138 264 -152.3%
Change in Deferred Revenue 67 6 +1016.7%
Change in Accounts Payable 73 16 +356.2%
Increase Decrease Settlement Due To Customers -13 191 -106.8%
Increase Decrease In Accrued Liabilities 1,178 916 +28.6%
Increase Decrease In Other Operating Capital Net -443 30 -1576.7%
Net Cash from Operations 5,002 4,834 +3.5%
Investing Activities
Purchases of Investments -116 -94 -23.4%
Payments For Proceeds From Heldtomaturity Securities Shortterm 0 -10 +100.0%
Proceeds From Sale Of Available For Sale Securities Debt 62 28 +121.4%
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities 49 58 -15.5%
Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities 6 15 -60.0%
Capital Expenditures -112 -95 -17.9%
Payments To Acquire Software -178 -155 -14.8%
Other Investing Activities 26 3 +766.7%
Net Cash from Investing -421 -2,678 +84.3%
Financing Activities
Share Repurchases -3,558 -3,389 -5.0%
Payments Of Dividends -684 -606 -12.9%
Proceeds From Issuance Of Debt 0 0 —
Debt Repayments 0 0 —
Tax Withholding for Share Compensation -8 -3 -166.7%
Proceeds From Stock Options Exercised 64 61 +4.9%
Net Cash from Financing -4,186 -4,041 -3.6%
Other Cash Flow
Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 8 -274 +102.9%
Net Change in Cash 403 -2,159 +118.7%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 13,248 10,808 +22.6%

Values in millions USD. Source: SEC EDGAR 10-K filing.

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