Haruspex AI Analysis

Mastercard Incorporated MA

Analyzed for: swing

70/100

Bullish — Mastercard Incorporated (MA) shows strong momentum with an overall score of 70/100. Strength in Market Sentiment (76) i...

Momentum: +10 strong

Key Takeaways

Biggest Positive Factor

Market Sentiment

Score 76/100 · Change +0

Biggest Risk

Institutional Ownership Intelligence

Score 45/100 · Change -4

Why now

Mastercard Incorporated (MA) shows strong momentum with an overall score of 70/100. Strength in Market Sentiment (76) is partially offset by Options Flow Intelligence (45). Position sizing should reflect the current bullish outlook.

Top Factor

Market Sentiment

76/100 · +0

Analysis Reliability

High

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Why Now

  • Top support: Market Sentiment is 76/100 (Algorithmic sentiment analysis for MA. AI analysis unavailable.).
  • Main risk: Institutional Ownership Intelligence is 45/100 (Institutional Ownership Intelligence currently is a neutral-to-mixed signal for MA. MA has 91.5% institutional ownership across 4,790 institutions . Net institutional selling detected. Monitor for continued institutional selling to confirm or weaken this signal.).
  • Mastercard Incorporated (MA) shows strong momentum with an overall score of 70/100. Strength in Market Sentiment (76) is partially offset by Options Flow Intelligence (45). Position sizing should reflect the current bullish outlook.

Top Factors

  • Market Sentiment 76/100 · +0
  • Short Interest & Lending Intelligence 65/100 · +0
  • Earnings Intelligence 63/100 · +0

Analysis Snapshot

Overall Outlook: Bullish

Strongest Area: Market Sentiment (76/100)

Main Concern: Institutional Ownership Intelligence (45/100)

Price Movement: Low — Pretty stable

Drivers: Based on news sentiment scores | Based on retail sentiment data | Based on social momentum

Risks: 4,790 institutional holders | Buy/sell ratio: 0.09 (net -95,240.25 shares) | 2 buyers vs 8 sellers (ratio: 0.25)

Timeline Outlook: Mastercard Incorporated (MA) shows strong momentum with an overall score of 70/100. Strength in Market Sentiment (76) is partially offset by Options Flow Intelligence (45). Position sizing should reflect the current bullish outlook.

What to watch:

  • Monitor news sentiment changes
  • Short covering in progress - potential bullish signal
  • Watch for growth stabilization

Competitive Intelligence

Score: 58/100

Confidence: High confidence

low impact

Competitive Intelligence currently is a neutral-to-mixed signal for MA. Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally operates in the Credit Services industry, ranking #2 by market cap among 4 peers. Profitability exceeds industry peers. Watch market leader V for competitive moves to confirm or weaken this signal.

Key drivers:

  • Profit margin +14.4% vs industry avg
  • Ranked #2 of 4 by market cap
  • Revenue growth +3.4% vs peers

Signal: Above Average (change: -2)

Earnings Intelligence

Score: 63/100

Confidence: Moderate confidence

low impact

Earnings Intelligence currently adds bullish pressure for MA. Mastercard Incorporated beat EPS estimates by 1.5%. A second factor is beat rate: 4/4 quarters (100%). Watch for growth stabilization to confirm or weaken this signal.

Key drivers:

  • Analyst consensus: strong_buy (38 analysts)
  • Beat rate: 4/4 quarters (100%)
  • EPS growth: -11.3% YoY

Signal: Above Average (change: +0)

Institutional Ownership Intelligence

Score: 45/100

Confidence: High confidence

low impact

Institutional Ownership Intelligence currently is a neutral-to-mixed signal for MA. MA has 91.5% institutional ownership across 4,790 institutions . Net institutional selling detected. Monitor for continued institutional selling to confirm or weaken this signal.

Key drivers:

  • 4,790 institutional holders
  • Buy/sell ratio: 0.09 (net -95,240.25 shares)
  • 2 buyers vs 8 sellers (ratio: 0.25)

Signal: Below Average (change: -4)

Options Flow Intelligence

Score: 45/100

Confidence: High confidence

low impact

Options Flow Intelligence currently is a neutral-to-mixed signal for MA. Mastercard Incorporated options show bearish sentiment with P/C ratio of 2.09. A second factor is 32% call volume, 68% put volume. Watch high put/call ratio indicates bearish sentiment to confirm or weaken this signal.

Key drivers:

  • Put/Call ratio: 2.09
  • 32% call volume, 68% put volume
  • Price +49.8% from max pain ($380)

Signal: Below Average (change: +1)

Market Sentiment

Score: 76/100

Confidence: High confidence

low impact

Algorithmic sentiment analysis for MA. AI analysis unavailable. The main reasons are Based on news sentiment scores; Based on retail sentiment data. That is why market sentiment currently leans favorable for the stock at 76/100. What to watch next: Monitor news sentiment changes.

Key drivers:

  • Based on news sentiment scores
  • Based on retail sentiment data
  • Based on social momentum

Signal: Above Average (change: +0)

Short Interest & Lending Intelligence

Score: 65/100

Confidence: High confidence

low impact

Short Interest & Lending Intelligence currently adds bullish pressure for MA. Mastercard Incorporated has 1.0% of float shorted, down 99.9% from prior month. A second factor is overall short sentiment: bullish. Watch short covering in progress - potential bullish signal to confirm or weaken this signal.

Key drivers:

  • Short interest -99.9% vs prior month
  • Overall short sentiment: bullish
  • 1.0% of float shorted

Signal: Above Average (change: +0)

Technical Analysis

Score: 60/100

Confidence: Moderate confidence

low impact

Technical Analysis currently adds bullish pressure for MA. Mastercard Incorporated at $569.29 (1M, swing context) is in a bullish trend (golden cross). short-term momentum is -0.7%; RSI 63.6 is in a neutral zone. Track momentum follow-through and catalyst reaction over the next 1-2 weeks to confirm or weaken this signal.

Key drivers:

  • Score improved by 1.0 vs prior swing/1M run
  • Trend: uptrend
  • Golden cross pattern - price above rising MAs

Signal: Above Average (change: +1)

Company Profile

Payment network operator facilitating transactions between financial institutions, merchants, and consumers.

Profile Refresh: Feb 19, 2026

Business model
Payment network operator facilitating transactions between financial institutions, merchants, and consumers.
Customer type
Financial institutions (issuers and acquirers), merchants, governments, and digital companies.
Industry group
Financials
Subindustry
Transaction Processing Services

Operational Exposure

Supply chain dependency
High: Dependent on issuing and acquiring customers for transaction volume and brand management. Also relies on technology and data infrastructure.

Revenue Mix

Risk Factors Preview

ITEM 1A. RISK FACTORS Exclusive/near exclusive relationships certain customers have with our competitors may have a material adverse impact on our business. While we have exclusive, or nearly-exclusive, relationships with certain of our customers to issue payment products, other customers have similar exclusive, or nearly-exclusive, relationships with our competitors. These relationships may make it difficult or cost-prohibitive for us to do significant amounts of business with these customers to increase our revenues. In addition, these customers may be more successful and may grow faster than the customers that primarily issue our payment products, which could put us at a competitive disadvantage. Furthermore, we earn substantial revenue from customers with nearly-exclusive relationship...

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