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Here's What Key Metrics Tell Us About MasterCard (MA) Q4 Earnings

By Zacks Equity Research | January 29, 2026, 10:00 AM

For the quarter ended December 2025, MasterCard (MA) reported revenue of $8.81 billion, up 17.6% over the same period last year. EPS came in at $4.76, compared to $3.82 in the year-ago quarter.

The reported revenue represents a surprise of +0.8% over the Zacks Consensus Estimate of $8.74 billion. With the consensus EPS estimate being $4.20, the EPS surprise was +13.24%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how MasterCard performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Purchase volume - All MasterCard Credit, Charge and Debit Programs - Worldwide: $2,344.00 billion compared to the $2,346.38 billion average estimate based on seven analysts.
  • Switched transactions: 46.46 billion versus 46.18 billion estimated by six analysts on average.
  • Purchase volume - All MasterCard Credit, Charge and Debit Programs - APMEA: $504.00 billion versus $502.69 billion estimated by four analysts on average.
  • Purchase volume - All MasterCard Credit, Charge and Debit Programs - Canada: $72.00 billion versus $71.61 billion estimated by four analysts on average.
  • Purchase volume - All MasterCard Credit, Charge and Debit Programs - Latin America: $190.00 billion versus the four-analyst average estimate of $183.21 billion.
  • Purchase volume - All MasterCard Credit, Charge and Debit Programs - Europe: $815.00 billion compared to the $812.62 billion average estimate based on four analysts.
  • Purchase volume - All MasterCard Credit, Charge and Debit Programs - United States: $762.00 billion versus the four-analyst average estimate of $770.58 billion.
  • Gross dollar volume - All Mastercard Credit, Charge and Debit Programs - United States: $825.00 billion versus $838.67 billion estimated by three analysts on average.
  • Gross dollar volume - All Mastercard Credit, Charge and Debit Programs - Latin America: $257.00 billion compared to the $245.53 billion average estimate based on three analysts.
  • Gross dollar volume - All Mastercard Credit, Charge and Debit Programs - Europe: $1,006.00 billion compared to the $1,028.46 billion average estimate based on three analysts.
  • Gross dollar volume - All Mastercard Credit, Charge and Debit Programs - Canada: $74.00 billion compared to the $73.52 billion average estimate based on three analysts.
  • Gross dollar volume - All Mastercard Credit, Charge and Debit Programs - APMEA: $657.00 billion versus the three-analyst average estimate of $656.70 billion.

View all Key Company Metrics for MasterCard here>>>

Shares of MasterCard have returned -8.7% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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Mastercard Incorporated (MA): Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

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