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Mastercard Earnings Calls
| Release date | Oct 30, 2025 |
| EPS estimate | $4.32 |
| EPS actual | $4.38 |
| EPS Surprise | 1.39% |
| Revenue estimate | 8.535B |
| Revenue actual | 8.602B |
| Revenue Surprise | 0.790% |
| Release date | Jul 31, 2025 |
| EPS estimate | $4.03 |
| EPS actual | $4.15 |
| EPS Surprise | 2.98% |
| Revenue estimate | 7.93B |
| Revenue actual | 8.133B |
| Revenue Surprise | 2.57% |
| Release date | May 01, 2025 |
| EPS estimate | $3.58 |
| EPS actual | $3.73 |
| EPS Surprise | 4.19% |
| Revenue estimate | 7.13B |
| Revenue actual | 7.25B |
| Revenue Surprise | 1.68% |
| Release date | Jan 30, 2025 |
| EPS estimate | $3.71 |
| EPS actual | $3.82 |
| EPS Surprise | 2.96% |
| Revenue estimate | 7.385B |
| Revenue actual | 7.489B |
| Revenue Surprise | 1.40% |
Last 4 Quarters for Mastercard
Below you can see how MA performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 30, 2025 |
| Price on release | $566.01 |
| EPS estimate | $3.71 |
| EPS actual | $3.82 |
| EPS surprise | 2.96% |
| Date | Price |
|---|---|
| Jan 24, 2025 | $533.49 |
| Jan 27, 2025 | $547.64 |
| Jan 28, 2025 | $547.36 |
| Jan 29, 2025 | $548.80 |
| Jan 30, 2025 | $566.01 |
| Jan 31, 2025 | $555.43 |
| Feb 03, 2025 | $563.95 |
| Feb 04, 2025 | $559.11 |
| Feb 05, 2025 | $566.29 |
| 4 days before | 6.10% |
| 4 days after | 0.0495% |
| On release day | -1.87% |
| Change in period | 6.15% |
| Release date | May 01, 2025 |
| Price on release | $546.63 |
| EPS estimate | $3.58 |
| EPS actual | $3.73 |
| EPS surprise | 4.19% |
| Date | Price |
|---|---|
| Apr 25, 2025 | $533.48 |
| Apr 28, 2025 | $534.49 |
| Apr 29, 2025 | $539.68 |
| Apr 30, 2025 | $548.06 |
| May 01, 2025 | $546.63 |
| May 02, 2025 | $559.39 |
| May 05, 2025 | $561.12 |
| May 06, 2025 | $558.99 |
| May 07, 2025 | $566.33 |
| 4 days before | 2.46% |
| 4 days after | 3.60% |
| On release day | 2.33% |
| Change in period | 6.16% |
| Release date | Jul 31, 2025 |
| Price on release | $566.47 |
| EPS estimate | $4.03 |
| EPS actual | $4.15 |
| EPS surprise | 2.98% |
| Date | Price |
|---|---|
| Jul 25, 2025 | $568.22 |
| Jul 28, 2025 | $568.28 |
| Jul 29, 2025 | $563.32 |
| Jul 30, 2025 | $559.11 |
| Jul 31, 2025 | $566.47 |
| Aug 01, 2025 | $559.89 |
| Aug 04, 2025 | $569.81 |
| Aug 05, 2025 | $566.04 |
| Aug 06, 2025 | $569.13 |
| 4 days before | -0.308% |
| 4 days after | 0.470% |
| On release day | -1.16% |
| Change in period | 0.160% |
| Release date | Oct 30, 2025 |
| Price on release | $553.68 |
| EPS estimate | $4.32 |
| EPS actual | $4.38 |
| EPS surprise | 1.39% |
| Date | Price |
|---|---|
| Oct 24, 2025 | $573.67 |
| Oct 27, 2025 | $572.36 |
| Oct 28, 2025 | $565.93 |
| Oct 29, 2025 | $554.58 |
| Oct 30, 2025 | $553.68 |
| Oct 31, 2025 | $551.99 |
| Nov 03, 2025 | $544.07 |
| Nov 04, 2025 | $552.75 |
| Nov 05, 2025 | $553.31 |
| 4 days before | -3.48% |
| 4 days after | -0.0668% |
| On release day | -0.305% |
| Change in period | -3.55% |
Mastercard Earnings Call Transcript Summary of Q3 2025
Mastercard reported a strong Q3 2025: net revenues grew 15% (non-GAAP, currency-neutral) with value-added services & solutions (VASS) up 22%. Worldwide GDV rose 9% and switched transactions grew 10%; contactless penetration reached 77% of in-person switched purchases. The company highlighted deal momentum across co-brand, bank and merchant partnerships, expansion in under-penetrated verticals (rent, transit, healthcare), growth in digital wallets and crypto-linked card programs, and acceleration of B2B products (virtual cards, Mastercard Move). Management emphasized strategic initiatives: driving consumer payments, commercial/new payment flows (B2B), and services (security, data/insights, merchant solutions). They launched new offerings including Mastercard Agent Pay (agentic commerce), Mastercard Commerce Media, merchant cloud and Mastercard Threat Intelligence. CFO noted operating expenses rose 14% (including acquisitions); EPS was $4.38 and share repurchases totaled $3.3B in Q3 (+$1.2B through Oct. 27). Guidance: Q4 net revenue growth expected at the high end of low-double-digits (currency-neutral, excluding acquisitions); full-year 2025 net revenues expected to grow in the low teens (excluding acquisitions). Management reiterated a strategy-led M&A approach and flagged that the Capital One debit migration will create a headwind into 2026 (completion expected in 2026) with contractual offsets partially mitigating near-term impact.
