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MasterCard (MA) Reports Q3 Earnings: What Key Metrics Have to Say

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For the quarter ended September 2025, MasterCard (MA - Free Report) reported revenue of $8.6 billion, up 16.7% over the same period last year. EPS came in at $4.38, compared to $3.89 in the year-ago quarter.

The reported revenue represents a surprise of +1.16% over the Zacks Consensus Estimate of $8.5 billion. With the consensus EPS estimate being $4.31, the EPS surprise was +1.62%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how MasterCard performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Switched transactions: 45.37 billion versus 45.02 billion estimated by six analysts on average.
  • Purchase volume - All MasterCard Credit, Charge and Debit Programs - Worldwide: $2,280.00 billion compared to the $2,272.21 billion average estimate based on six analysts.
  • Purchase volume - All MasterCard Credit, Charge and Debit Programs - APMEA: $484.00 billion versus $471.88 billion estimated by four analysts on average.
  • Purchase volume - All MasterCard Credit, Charge and Debit Programs - Canada: $69.00 billion compared to the $68.90 billion average estimate based on four analysts.
  • Purchase volume - All MasterCard Credit, Charge and Debit Programs - Latin America: $169.00 billion versus the four-analyst average estimate of $165.65 billion.
  • Purchase volume - All MasterCard Credit, Charge and Debit Programs - Europe: $806.00 billion versus $800.43 billion estimated by four analysts on average.
  • Purchase volume - All MasterCard Credit, Charge and Debit Programs - United States: $752.00 billion versus $750.09 billion estimated by four analysts on average.
  • Gross dollar volume - All Mastercard Credit, Charge and Debit Programs - United States: $819.00 billion versus $816.17 billion estimated by three analysts on average.
  • Gross dollar volume - All Mastercard Credit, Charge and Debit Programs - Latin America: $229.00 billion versus the three-analyst average estimate of $219.82 billion.
  • Gross dollar volume - All Mastercard Credit, Charge and Debit Programs - Europe: $996.00 billion compared to the $1,020.61 billion average estimate based on three analysts.
  • Net revenue by category- Value-added services and solutions: $3.42 billion versus $3.34 billion estimated by nine analysts on average. Compared to the year-ago quarter, this number represents a +24.9% change.
  • Net revenue by category- Payment network: $5.18 billion compared to the $5.2 billion average estimate based on nine analysts. The reported number represents a change of +11.9% year over year.

View all Key Company Metrics for MasterCard here>>>

Shares of MasterCard have returned -3.3% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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