Mastercard reported strong financial performance with significant growth in net revenue and services, expansion in key markets, and successful acquisitions. However, potential challenges include the migration of Capital One debit volumes, FX volatility, and rising operating expenses.

Company Guidance

In the fourth quarter of fiscal year 2024, Mastercard reported a strong financial performance with net revenues increasing by 16% and adjusted net income rising by 19% on a non-GAAP currency-neutral basis. The company's diversified capabilities in payments, services, and solutions, including the acquisition of Recorded Future, were highlighted as key drivers of this growth. Mastercard remains optimistic about its growth outlook, supported by a robust macroeconomic environment characterized by healthy consumer spending, low unemployment, and moderated inflation. The company expects to continue expanding its consumer payments, commercial payments, and services and solutions offerings. For fiscal year 2025, Mastercard anticipates net revenue growth at the high end of the low double digits to low teens range, excluding acquisitions, with a slight headwind from foreign exchange and a contribution of 1 to 1.5 percentage points from acquisitions. Operating expenses are expected to grow at the low end of the low double digits range, also excluding acquisitions.

Strong Financial Performance

Fourth quarter net revenues were up 16% and adjusted net income up 19% year-over-year on a non-GAAP currency-neutral basis.

Record Growth in Tokenization

In 2024, Mastercard tokenized about 4 billion transactions per month, up 40 times over the past 6 years.

Expansion in Key Markets

Significant renewals and expansions with partners like HSBC, Saudi National Bank, and Nubank in over 20 countries.

Growth in Services and Solutions

Delivered almost $11 billion in services and solutions revenue in 2024, with room for further growth.

Successful Acquisitions

Closed acquisitions of Recorded Future and Minna Technologies, enhancing cybersecurity and subscription management capabilities.

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Mastercard (GB:0R2Z) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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GB:0R2Z Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 26, 2018	2018 (Q2)	- / 1.66	1.1	50.91% (+0.56)	―	―
Oct 30, 2018	2018 (Q3)	- / 1.78	1.34	32.84% (+0.44)	―	―
Jan 31, 2019	2018 (Q4)	- / 1.55	1.14	35.96% (+0.41)	―	―
Apr 30, 2019	2019 (Q1)	- / 1.78	1.5	18.67% (+0.28)	―	―
Jul 30, 2019	2019 (Q2)	- / 1.89	1.66	13.86% (+0.23)	―	―
Oct 29, 2019	2019 (Q3)	- / 2.15	1.78	20.79% (+0.37)	―	―
Jan 29, 2020	2019 (Q4)	- / 1.96	1.55	26.45% (+0.41)	―	―
Apr 29, 2020	2020 (Q1)	- / 1.83	1.78	2.81% (+0.05)	―	―
Jul 30, 2020	2020 (Q2)	- / 1.36	1.89	-28.04% (-0.53)	―	―
Oct 28, 2020	2020 (Q3)	- / 1.60	2.15	-25.58% (-0.55)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

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GB:0R2Z Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jan 30, 2025	$361.00	$361.00	0.00%
Oct 31, 2024	$360.24	$360.24	0.00%
Jul 31, 2024	$359.58	$359.58	0.00%
May 01, 2024	$358.92	$358.92	0.00%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

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