GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Mastercard Inc (NYSE:MA) » Definitions » Moat Score

MA (Mastercard) Moat Score : 9/10 (As of Jul. 08, 2025)


View and export this data going back to 2006. Start your Free Trial

What is Mastercard Moat Score?

Mastercard has the Moat Score of 9, which implies that the company might have Wide Moat - Clear and robust wide moat.

Mastercard has Wide Moat: Mastercard has a robust wide moat due to its strong brand, extensive network effects, and significant customer switching costs. Its global payment network provides durable cost advantages and pricing power. The company's consistent innovation and R&D capabilities further solidify its market leadership and sustainable market share.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Mastercard might have Wide Moat - Clear and robust wide moat.

Competitive Comparison of Mastercard's Moat Score

For the Credit Services subindustry, Mastercard's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Mastercard's Moat Score Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Mastercard's Moat Score distribution charts can be found below:

* The bar in red indicates where Mastercard's Moat Score falls into.


;
;

Mastercard  (NYSE:MA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Mastercard Moat Score Related Terms

Thank you for viewing the detailed overview of Mastercard's Moat Score provided by GuruFocus.com. Please click on the following links to see related term pages.

Mastercard Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Mastercard Inc (NYSE:MA) » Definitions » Moat Score
Comparable Companies
V AXP COF PYPL SYF SOFI ALLY SLM OMF UPST BOM:500034 BOM:543257 NSE:CHOLAFIN BOM:532810 NSE:SHRIRAMFIN BOM:532955 BOM:533398 BOM:543066 TSE:8593 XPAR:EDEN
Traded in Other Exchanges
MA:Peru MA:Mexico 1MA:Italy M4Id:UK 0R2Z:UK M4I0:Germany M4I:Germany M4I:Germany M4I:Germany M4I:Germany MACL:Chile MA:Canada MSCD34:Brazil
Address
2000 Purchase Street, Purchase, NY, USA, 10577
Website
https://www.mastercard.com
Mastercard is the second-largest payment processor in the world, having processed close to $10 trillion in volume during 2024. Mastercard operates in over 200 countries and processes transactions in over 150 currencies.
Executives
Sandra A Arkell officer: Controller 3005 HIGHLAND PARKWAY, SUITE 200, DOWNERS GROVE IL 60515
Michael Miebach officer: Chief Product Officer 2000 PURCHASE STREET, PURCHASE NY 10577
Edward Grunde Mclaughlin officer: President, Operations & Tech 2000 PURCHASE STREET, PURCHASE NY 10577
Craig Vosburg officer: President, North America 2000 PURCHASE STREET, PURCHASE NY 10577
J. Mehra Sachin officer: Chief Financial Officer HESS CORPORATION, 1185 AVENUE OF THE AMERICAS, NEW YORK NY 10036
Venkata R Madabhushi officer: Chief Marketing Officer WELLPOINT, INC., 120 MONUMENT CIRCLE, INDIANAPOLIS IN 46204
Foundation Mastercard 10 percent owner 250 YONGE STREET, SUITE 2400, TORONTO A6 M5B 2L7
Hai Ling officer: Co-President, Intl Markets 2000 PURCHASE STREET, PURCHASE NY 10577
Timothy H Murphy officer: General Counsel 2000 PURCHASE STREET, PURCHASE NY 10577
Raj Seshadri officer: President, Data & Services 880 CARILLON PARKWAY, ST. PETERSBURG FL 33716
Ajay Bhalla officer: President Cyber & Intelligence 2000 PURCHASE STREET, PURCHASE NY 10577
Richard K Davis director 800 NICOLLET MALL, MINNEAPOLIS MN 55402
Raghuvir Malhotra officer: Co-President, Intl Markets 2000 PURCHASE STREET, PURCHASE NY 10577
Linda Pistecchia Kirkpatrick officer: President, North America 2000 PURCHASE STREET, PURCHASE NY 10577
Harit Talwar director 2500 LAKE COOK ROAD, RIVERWOODS IL 60015