MA · CIK 0001141391 · FY2025 live · 2025-12-31

Mastercard Inc

SafeSEC 10-KZ″Industrials93rd percentile in Industrials · 489 names

View as

Model

Z″

FY2025

7.73

Zone

Safe

vs FY2024

+0.38

Market DD

—

1y PD

—

Meridian Rank

83.40

0–100 · Z″ tape · not a PD

Book standing
92
Year change
74
Market PD
—
O-score
73

Events on this name

Same published rows as Today. Not a live recompute.

APPROACHING GREY
watch · 41
- liveZ: 7.35364536638657 → 7.734982020471408
- cut: — → 1.1

7.73

Classic Z 4.07

−21.12.68+

Z″ 7.73 · distress below 1.10, grey to 2.60, safe above.

FY2016SEC 10-K printsFY2025 · 7.73

Z″ factor contributions

X1 Working capital / assets
Short-term liquidity. Carries more weight in Z″ than in classic Z.
0.01
6.56 × = 0.10
X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
1.57
3.26 × = 5.12
X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
0.35
6.72 × = 2.34
X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names are not punished for turnover.
0.17
1.05 × = 0.18

Five-year path

Z″ plus liquidity (working capital / assets) and earnings (EBIT / assets) over the last 5 annual filings.

Overview

rule-v1

Mastercard Inc is on Z″ at 7.73 (safe) for FY2025, from an SEC 10-K. Retained earnings / assets is the line that sets the print. Versus FY2024 the live print is still safe (+0.38 from 7.35). No market tape loaded. Z″ drops sales/assets so asset-light names are not punished for turnover. X4 is book equity on every name.

Book screen Safe; market PD —. Tape not priced — not a single default call.

Market DD · naive Merton

No market tape yet.

Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.

Sector peers

Closest Z″ scores · 93rd percentile in Industrials.

KPI widgets

Current assets

$23.6B

Total assets

$54.2B

Current liabilities

$22.8B

Total liabilities

$46.4B

Working capital

$796M

Retained earnings

$85.0B

EBIT

$18.9B

Total sales

$32.8B

Book equity

$7.7B

Accession 0001141391-26-000013. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-12-31). Z″ is the live score. View as does not rewrite the live rank. X4 is book equity. Pulled 13 Sept 2026.