Mastercard (MA) FY2025 10-K Annual Report
Mastercard (MA) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 11, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Mastercard FY2025 10-K Analysis
Business Overview
- • Core business model: Global payment network facilitating electronic payments and transaction processing
- • Emphasis on competitive threats from alternative e-commerce, mobile payment systems, and government-backed solutions impacting market access
Management Discussion & Analysis
- • No revenue or profitability figures disclosed in this section
- • Loss contingencies assessed regularly; liabilities accrued if probable and estimable, with subjective judgements and potential material variances
Risk Factors
- • Delaware law and organizational anti-takeover provisions limit beneficial ownership to 15% per person, potentially delaying favorable mergers or acquisitions
- • Mastercard Foundation owns >5% voting power with share sales accelerated to start Jan 1, 2024 under court approval, planning a 7-year diversification sale
Mastercard FY2025 Key Financial MetricsXBRL
Revenue
$32.8B
▲ +16.4% YoY
Net Income
$15.0B
▲ +16.3% YoY
Operating Margin
57.6%
▲ +231bp YoY
Net Margin
45.6%
▼ -6bp YoY
ROE
193.5%
▼ -506bp YoY
Total Assets
$54.2B
▲ +12.6% YoY
EPS (Diluted)
$16.52
▲ +18.9% YoY
Operating Cash Flow
$17.6B
▲ +19.4% YoY
Source: XBRL data from Mastercard FY2025 10-K filing on SEC EDGAR. All figures in USD.
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