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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.

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Mastercard's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) short percent of float has risen 6.35% since its last report. The company recently reported that it has 6.02 million shares sold short, which is 0.67% of all regular shares that are available for trading. Based on its trading volume, it would take traders 2.59 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">List of the most shorted stocks</a>
<h3>Mastercard Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1748538031_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for Mastercard has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing Mastercard's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, Mastercard's peer group average for short interest as a percentage of float is 6.23%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

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Looking Into Mastercard's Recent Short Interest

UBS analyst Timothy Chiodo maintains Mastercard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) with a Buy and raises the price target from $640 to $660.

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UBS Maintains Buy on Mastercard, Raises Price Target to $660

6 analysts have expressed a variety of opinions on Mastercard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) over the past quarter, offering a diverse set of opinions from bullish to bearish.
The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">3</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have set 12-month price targets for Mastercard, revealing an average target of $623.67, a high estimate of $655.00, and a low estimate of $550.00. This current average has decreased by 3.01% from the previous average price target of $643.00. 
<img src="https://www.benzinga.com/files/images/story/2025/1748379689_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
A clear picture of Mastercard's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Trevor Williams</td>
<td>Jefferies</td>
<td>Raises</td>
<td>Buy</td>
<td>$655.00</td>
<td>$630.00</td>
</tr>
<tr>
<td>Andrew Schmidt</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Buy</td>
<td>$652.00</td>
<td>$650.00</td>
</tr>
<tr>
<td>Timothy Chiodo</td>
<td>UBS</td>
<td>Lowers</td>
<td>Buy</td>
<td>$640.00</td>
<td>$660.00</td>
</tr>
<tr>
<td>Jeffrey Hammond</td>
<td>Keybanc</td>
<td>Raises</td>
<td>Overweight</td>
<td>$635.00</td>
<td>$630.00</td>
</tr>
<tr>
<td>Paul Golding</td>
<td>Macquarie</td>
<td>Lowers</td>
<td>Outperform</td>
<td>$610.00</td>
<td>$645.00</td>
</tr>
<tr>
<td>Adam Frisch</td>
<td>Evercore ISI Group</td>
<td>Announces</td>
<td>In-Line</td>
<td>$550.00</td>
<td>-</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Mastercard. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Mastercard compared to the broader market.</li>
<li>Price Targets: Understanding forecasts, analysts offer estimates for Mastercard's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</li>
</ul>
Capture valuable insights into Mastercard's market standing by understanding these analyst evaluations alongside pertinent financial indicators. Stay informed and make strategic decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/MA/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on Mastercard analyst ratings.</a>
<h2>Get to Know Mastercard Better</h2>
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.
<h3>Breaking Down Mastercard's Financial Performance</h3>
Market Capitalization Analysis: With a profound presence, the company's market capitalization is above industry averages. This reflects substantial size and strong market recognition.
Revenue Growth: Mastercard's revenue growth over a period of 3M has been noteworthy. As of 31 March, 2025, the company achieved a revenue growth rate of approximately 14.21%. This indicates a substantial increase in the company's top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Mastercard's net margin excels beyond industry benchmarks, reaching 45.24%. This signifies efficient cost management and strong financial health.
Return on Equity (ROE): Mastercard's ROE stands out, surpassing industry averages. With an impressive ROE of 49.86%, the company demonstrates effective use of equity capital and strong financial performance.
Return on Assets (ROA): Mastercard's ROA surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 6.79% ROA, the company effectively utilizes its assets for optimal returns.
Debt Management: Mastercard's debt-to-equity ratio surpasses industry norms, standing at 2.82. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
<h2>Analyst Ratings: Simplified</h2>
Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. 
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Expert Outlook: Mastercard Through The Eyes Of 6 Analysts

Financial giants have made a conspicuous bullish move on Mastercard. Our analysis of options history for Mastercard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) revealed 21 unusual trades.
Delving into the details, we found 52% of traders were bullish, while 28% showed bearish tendencies. Out of all the trades we spotted, 6 were puts, with a value of $1,075,903, and 15 were calls, valued at $1,403,828.
<h3>Predicted Price Range</h3>
Taking into account the Volume and Open Interest on these contracts, it appears that whales have been targeting a price range from $485.0 to $670.0 for Mastercard over the last 3 months. 
<h3>Volume &amp; Open Interest Development</h3>
Examining the volume and open interest provides crucial insights into stock research. This information is key in gauging liquidity and interest levels for Mastercard's options at certain strike prices. Below, we present a snapshot of the trends in volume and open interest for calls and puts across Mastercard's significant trades, within a strike price range of $485.0 to $670.0, over the past month.
<h3>Mastercard Option Activity Analysis: Last 30 Days</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1748372448_0.png" alt="Options Call Chart" />
<h3>Noteworthy Options Activity:</h3>

<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Ask</th>
<th>Bid</th>
<th>Price</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th>Open Interest</th>
<th align="right">Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>MA</td>
<td>PUT</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>01/16/26</td>
<td>$12.4</td>
<td>$12.0</td>
<td>$12.1</td>
<td>$485.00</td>
<td>$786.5K</td>
<td>1</td>
<td align="right">650</td>
</tr>
<tr>
<td>MA</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>06/20/25</td>
<td>$12.45</td>
<td>$12.2</td>
<td>$12.2</td>
<td>$570.00</td>
<td>$335.5K</td>
<td>1.3K</td>
<td align="right">483</td>
</tr>
<tr>
<td>MA</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>06/20/25</td>
<td>$12.4</td>
<td>$12.25</td>
<td>$12.4</td>
<td>$570.00</td>
<td>$248.0K</td>
<td>1.3K</td>
<td align="right">201</td>
</tr>
<tr>
<td>MA</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>06/20/25</td>
<td>$18.8</td>
<td>$18.6</td>
<td>$18.8</td>
<td>$560.00</td>
<td>$116.5K</td>
<td>637</td>
<td align="right">76</td>
</tr>
<tr>
<td>MA</td>
<td>CALL</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>06/20/25</td>
<td>$18.85</td>
<td>$18.7</td>
<td>$18.85</td>
<td>$560.00</td>
<td>$107.4K</td>
<td>637</td>
<td align="right">134</td>
</tr>
</tbody>
</table>

<h3>About Mastercard</h3>
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.
Following our analysis of the options activities associated with Mastercard, we pivot to a closer look at the company's own performance.
<h3>Present Market Standing of Mastercard</h3>
<ul>
<li>Currently trading with a volume of 1,166,457, the MA's price is up by 1.89%, now at $574.22. </li>
<li>RSI readings suggest the stock is currently may be approaching overbought.</li>
<li>Anticipated earnings release is in 64 days.</li>
</ul>
<h3>Professional Analyst Ratings for Mastercard</h3>
A total of 5 professional analysts have given their take on this stock in the last 30 days, setting an average price target of $638.4.
Unusual Options Activity Detected: Smart Money on the Move
Benzinga Edge's Unusual Options board spots potential market movers before they happen. See what positions big money is taking on your favorite stocks. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22bz20&amp;adType=benzinga-insights&amp;ad=options-activity&amp;campaign=wallstreetadvantage">Click here for access</a>. 
&#x2A; Consistent in their evaluation, an analyst from Citigroup keeps a Buy rating on Mastercard with a target price of $652. 
&#x2A; Consistent in their evaluation, an analyst from Keybanc keeps a Overweight rating on Mastercard with a target price of $635. 
&#x2A; An analyst from Jefferies persists with their Buy rating on Mastercard, maintaining a target price of $655. 
&#x2A; An analyst from UBS persists with their Buy rating on Mastercard, maintaining a target price of $640. 
&#x2A; An analyst from Macquarie persists with their Outperform rating on Mastercard, maintaining a target price of $610. 
Options are a riskier asset compared to just trading the stock, but they have higher profit potential. Serious options traders manage this risk by educating themselves daily, scaling in and out of trades, following more than one indicator, and following the markets closely.
If you want to stay updated on the latest options trades for Mastercard, <a href="https://www.benzinga.com/pro/">Benzinga Pro</a> gives you real-time options trades alerts.

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Decoding Mastercard's Options Activity: What's the Big Picture?

Jefferies analyst Trevor Williams maintains Mastercard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) with a Buy and raises the price target from $630 to $655.

Jefferies Maintains Buy on Mastercard, Raises Price Target to $655

Mastercard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) has outperformed the market over the past 15 years by 13.03% on an annualized basis producing an average annual return of 24.91%. Currently, Mastercard has a market capitalization of $511.82 billion. 
Buying $100 In MA: If an investor had bought $100 of MA stock 15 years ago, it would be worth $2,793.18 today based on a price of $563.58 for MA at the time of writing.
<h3>Mastercard's Performance Over Last 15 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1748037613_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

$100 Invested In Mastercard 15 Years Ago Would Be Worth This Much Today

Everybody "knows" that value investing doesn't work anymore. It's in all the headlines.
Investing today is about technology, everyone says. It's about artificial intelligence. It's about quantum computing, about the rebirth of nuclear energy.
Some of this is true, some isn't, but what's really not true is that value investing doesn't work. In fact, it still works better than just about any other investing approach.
The reason people say otherwise is because they've got value all wrong. "Value," they think, is just another word for "cheap." But most cheap stocks are cheap because they're bad investments.
Here's how to invest in value the right way using just two metrics – and beat the markets handily.
<h2 class="wp-block-heading">What People Get Wrong About Value</h2>
There are a couple of problems with the way people define value investing. First, we need to address the fact that the sound of it is boring.  Value investing sounds like a professor with tweed elbow patches smoking a pipe in an old dusty office in some brick and ivy university somewhere up in Vermont or Maine during a snowstorm. It just sounds boring.
Perhaps if we could call it vulture investing, market pillaging, or some other equally interesting name, it would attract more attention.
But then again, since we seem to have a corner on it, do we really want to attract all that much attention?
Second, let's talk about the way people track value. For instance, the Russell Value Index is supposed to represent value. When you compare it, growth has outperformed value for several hundred consecutive years, according to the literature.
That may be a slight exaggeration, but you get the point.
When you examine the Russell 1000 Value index, it's allegedly the bottom half of the Russell 2000 weighted by value components.
The top holdings include Berkshire Hathaway, Cisco Systems, McDonald&#8217;s, Walt Disney, Raytheon, and Caterpillar. These are all great companies.
What they are not is value companies.
<h2 class="wp-block-heading">The Truth About Value</h2>
When we really look at the hard data, the truth is that absolute value never stopped working. When you look at companies that are trading at discounts to asset value, low multiples of the cash produced by the business, and low multiples of liquidation value, which is still one of my favorites, the truth is that they have continued to work and work very well.
The key thing that most people leave out is they will run a list of companies trading below book value and will say, &#8220;Look, these underperformed the market.&#8221; That is, in fact, true.
More than half of those companies are unprofitable and overleveraged, and their products are going completely out of style. You know, they are CD-ROM manufacturers or buggy whip makers in the business of making something we are never going to use again.
Many of the companies that trade below book value, in all honesty, do so for a reason. They are headed for the garbage pile.
<h2 class="wp-block-heading">Making Value Work: Financial Strength</h2>
How do we get rid of those? You have to adjust for a couple of factors:
<ul class="wp-block-list">
<li>You want strength in the financial statements.</li>
<li>You want the ability to survive, and you prefer that they are profitable.</li>
</ul>
Two papers, with several follow-ups, have come out in the last twenty-five years that show us how to do this.
One of these is Joseph Piotrowski&#8217;s publication &#8220;Value Investing: The Use of Historical Financial Statement Information to Separate Winners from Losers.&#8221; The F-score is based on that paper.
Value plus the F-score crush the market. When we add value plus the F-score plus credit scores, I prefer the Altman Z score—then you annihilate the market.
The key variable here is profitability and financial strength.
<h2 class="wp-block-heading">The Missing Factor: Profitability</h2>
The other paper, which very few people seem to have read, is important.
In 2013, an economist, Robert Novy-Marks, published a paper that should have but didn&#8217;t redefine the entire playing field for investing. It is called &#8220;The Other Side of Value: The Gross Profitability Premium.&#8221;
Basically, they found that highly profitable companies outperform, no matter how cheap or expensive they may look. It is a single idea that gross profitability is the missing dimension, the missing factor.
It has found its way into some of the academic models. Novy-Marksed followed up on it with &#8220;Profitability Retrospective: What Have We Learned?&#8221;
This is key because many people today will tell you that quality matters. We have got to buy these quality companies. Everyone has a 16, 17, or 18-factor model that supposedly helps us identify truly high-quality companies.
Novy-Marks has found in both the original 2013 study and the retrospective today that you only need one factor to identify quality. That factor is profitability, which is defined in the original paper as gross profits as a percentage of assets.
The higher that is, the better the company is.
<h2 class="wp-block-heading">Quality Simplified</h2>
It explains all of the excess returns from so-called quality investing. When you ask what exactly we are looking for here, it turns out it all boils down to one simple measure.
You can use an 18-factor model, or you can use just gross profitability as a percent of assets. When you look at the largest cap companies that are in the upper end of the range: Apple (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>), Amazon (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMZN#NASDAQ">AMZN</a>), Alphabet (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOGL#NASDAQ">GOOGL</a>), Meta (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>), Walmart (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WMT#NYSE">WMT</a>), Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>), Eli Lilly (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LLY#NYSE">LLY</a>), MasterCard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>), Oracle (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ORCL#NYSE">ORCL</a>), Johnson &amp; Johnson (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JNJ#NYSE">JNJ</a>), Procter &amp; Gamble (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PG#NYSE">PG</a>), UnitedHealth (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UNH#NYSE">UNH</a>), T-Mobile (NASDAQ: TMUS) &#8211; all of the same companies that would show up if we use that super sophisticated, 18-factor quality model for which you will pay a massive premium to have access to the data – it turns out you can get the same list using just gross profitability.
Gross profitability also explains all of the defensive strategies.
All of the defensive low beta stocks are just highly profitable companies that also are growing their asset base slowly. They are doing very conservative investing. They are not de-worsifying the business. They are not trying to grow at a high rate.
They are just ridiculously profitable companies that are willing to sit in place and do what they are good at and continually pile up profits and cash.
<h2 class="wp-block-heading">Unifying Factor</h2>
Profitability explains quality. It explains the low beta and low volatility phenomena.
Many investors have looked for new ways to define value. Cash flow to price, earnings forecast, intangible adjusted tangible book value, adjust for a lot of different factors in R&amp;D. These are going to "fix" value's alleged shortcomings in a day and age of high technology.
The truth is that all these newer value strategies sneak in profitability as a factor in addition to value. Profitability by itself delivers market-beating returns.
Profitability plus value, whether that is price to book or a different model that works, like enterprise value to earnings before interest and taxes, beats the market even more.
<h2 class="wp-block-heading">Why Value Appears to Have Underperformed</h2>
When we look at the underperformance of "value" since 2007, the truth is that it's because we junked up the value universe. We put a lot of garbage in there. There are many stocks trading below book value that are biotech startup companies. They are below the cash balance on the balance sheet, but they are burning cash at a rapid rate and will soon be out of money. The book value will, in fact, disappear.
There are all these companies that look cheap but are wildly unprofitable. They are burning through money.
Then you have a lot of garbage that came in through the two SPAC movements in 2007 and then again in 2020 when companies that were still basically at the garage stage of existence suddenly went public.
We really junked up the value universe with a lot of garbage.
<h2 class="wp-block-heading">The Foundation of Investment Success</h2>
Profitability is not just another factor but another tool.
It is a foundational tool that unifies multiple styles. It is part of quality, defensive value, and even some growth stocks.
Profitability explains a lot of the strategies that people use without relying on complicated, expensive 18-factor models.
If we take low-volatility companies and buy the most profitable, we are going to outperform the market.
If we just buy the most profitable companies, we are going to outperform the market.
If we buy the most profitable companies that are trading at low multiples of the cash produced by the business, we are going to absolutely crush the markets.
This is not a day trading system or a short-term trading system. It is the single best way to build long-term portfolios that beat the market and produce lasting wealth.
<h2 class="wp-block-heading">The Unified Theory of Investing</h2>
Profitability explains almost everything that happens in the market. If you have a great business, it is wildly profitable.
If you are a quality company with high returns on equity, low leverage, and earning stability, you are a very profitable company.
If you are a defensive company with low volatility and lower beta, all of the outperformance of these strategies is because they are profitable companies that are not reinvesting in the business to rapidly grow the asset base.
You have low-investment, profitable companies. There is your entire defensive strategy.
The underperformance of value investing over the last fifteen years or so is entirely because of the addition of so many unprofitable companies. If we use F-scores and profitability to screen out just the profitable undervalued companies, performance goes through the roof.
<h2 class="wp-block-heading">The Simple Path to Success</h2>
Most people won't do it because it doesn't make you rich by next Tuesday. It is not the absolute most exciting strategy on the planet. What it does is give you a very easy, quick way to uncover opportunities.
Two scores.
That is all you have to check. You can put together a universe of companies that can crush the market.
Basically, no folks, value investing is not dead.
If anything, if you understand that financial strength and profitability are the key to making value investing go from boring to the most exciting thing you can possibly do with your money, value investing is very much alive and still very successful.
<h2 class="wp-block-heading">Want to Trade the Next Reversal? Start Here</h2>
Matt Maley is watching one ultra-liquid ETF that surges when the market pulls back. He's used it time and time again—and this Wednesday at 6 PM ET, he'll be live to show you how to time it with precision. It's perfect for short-term traders looking to get ahead of the next move. Register <a href="https://events2.benzinga.com/matt-maley-webinar-wed-may28-2025-registration/?utm_campaign=webinar052825&amp;utm_adType=sponsorad&amp;utm_ad=RD052725">HERE</a> for this free masterclass now.
Editorial content from our expert contributors is intended to be information for the general public and not individualized investment advice. Editors/contributors are presenting their individual opinions and strategies, which are neither expressly nor impliedly approved or endorsed by Benzinga.
Photo: Shutterstock

Opinion

AAPL

AMZN

GOOGL

ORCL

TMUS

Value Investing Is Not Dead - It Just Got Smarter

Wall Street economists breathed a sigh of relief last week when the <a href="https://www.newyorkfed.org/microeconomics/hhdc">Federal Reserve Bank of New York's report</a> on household debt in the first quarter disclosed a 2% drop in credit card balances, falling by $29 billion. These folks have grown cautious examining Americans' near-record-level revolving debt, $1,282 trillion in the first quarter, worried they lack the assets to pay their bills. This can signal economic stress that precedes a recession.&nbsp;
Total household debt still rose by $167 billion in the quarter, reaching $18.2 trillion. Housing, auto loans and student loans contributed to the total, highlighting major challenges in maintaining a healthy economy. Student loans pose the most troubling obstacle to prosperity right now, with President Donald Trump restarting payment requirements.&nbsp;
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Bankrate senior industry analyst Ted Rossman <a href="https://www.bankrate.com/credit-cards/news/credit-card-balances-fell-q1-2025-borrowers-still-underwater/">warned economists</a> to tread lightly after the report, noting that credit card balances "almost always fall in the first quarter, because people go on this post-holiday spending detox." He explained that borrowers often make New Year&#8217;s resolutions to "spend less, save more, pay off debt" and "use tax refund money to pay off debt." However, balances "almost always rise in the second and third quarters" and "really spike in the fourth quarter."
Credit card usage has skyrocketed since the pandemic, jumping 54% in the last four years. Fortunately, benign reasons may be responsible for at least part of the surge. A tech-savvy generation has popularized germfree electronic transactions since COVID, disrupting formerly cash-heavy venues like supermarkets, pharmacies and transportation. Even so, stressed-out Americans trying to make ends meet are playing a major role in the debt spike.
Trending: Maker of the $60,000 foldable home has 3 factory buildings, 600+ houses built, and big plans to solve housing — <a href="https://www.benzinga.com/money/boxabl-scaling-fast-from-spacex-orders-to-600-homes-built-this-60k-foldable-home-may-be-the-future-of-housing">this is your last chance to become an investor for $0.80 per share.</a>
According to Rossman, about half of Americans now pay off their credit card balances each month, avoiding interest rates that average above 20%. This crowd is less profitable for <a href="https://www.benzinga.com/quote/V">Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>)</a>, <a href="https://www.benzinga.com/quote/MA">Mastercard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>)</a> and other payment processors, accessing lucrative perks that include travel points and cashback programs. Those who don't pay their balances each month assume the burden, stuck with high interest rates to compensate for more affluent or disciplined customers.
Credit card borrowers under economic stress are climbing a very tall hill because the average balance is now approaching $6,000 per month. When they don't pay their balances, the ‘minimum payment' becomes a lucrative trap for card processors, taking an average 18 or more years for borrowers with a 20% interest rate to close out the debt. It will also incur nearly $10,000 in interest payments.&nbsp;
See Also: Nancy Pelosi Invested $5 Million In An AI Company Last Year — <a href="https://www.benzinga.com/money/elf-labs-ym?v=123">Here's How You Can Invest In Multiple Pre-IPO AI Startups With Just $1,000.</a>
&nbsp;Borrowers are seeking help at increasingly alarming rates. Nonprofit credit counseling leader <a href="https://www.globenewswire.com/news-release/2025/01/17/3011652/0/en/Money-Management-International-Reports-Surge-in-Debt-Counseling-in-2024-Disproportionate-Increase-Among-Young-Adults.html">Money Management International</a> reported a 35% spike in new clients last year, fueled by young adults – especially <a href="https://www.globenewswire.com/news-release/2025/05/01/3072462/0/en/New-Data-from-Nonprofit-MMI-Reveals-Rise-in-Men-Seeking-Credit-Counseling-Despite-Higher-Incomes.html">single men</a> – facing the reality of loans under default. In addition to outside assistance, Rossman suggests looking for a 0% balance transfer card. These are special cards offered by large institutions that feature 0% or ultralow introductory rates for a specified period that can last up to two years.&nbsp;
Just make sure to pay off your balance before the clock runs out, or you'll find yourself underwater once again.
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Image: Shutterstock

Credit Card Debt Falls, but Bankrate's Ted Rossman Says It's No Time to Cheer

Visa Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) and Mastercard Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) <a href="https://www.benzinga.com/topic/credit-card" target="_blank" rel="noreferrer noopener">fees drew scrutiny</a> from European Union antitrust regulators. 
European Central Bank President Christine Lagarde emphasized the need to reduce its dependence on foreign payment providers, Bloomberg <a href="https://www.bloomberg.com/news/articles/2025-05-23/visa-mastercard-fees-hit-by-new-round-of-eu-antitrust-scrutiny?embedded-checkout=true&amp;sref=TBDibEcD" target="_blank" rel="noreferrer noopener">reported</a> on Friday, citing unnamed sources familiar with the matter. 
Regulators surveyed market participants about the fees they impose on financial institutions that provide card-payment services to retailers using Visa and Mastercard networks. The stocks are trading lower on Friday.
Also Read: <a target="_blank" href="https://www.benzinga.com/markets/25/04/44601859/visa-offers-100-million-to-secure-apple-card-network-in-a-bid-to-outdo-mastercard-report" rel="noreferrer noopener">Visa Offers $100 Million To Secure Apple Card Network In A Bid To Outdo Mastercard: Report</a>
Mastercard and&nbsp;Visa have long attracted global civil complaints for charging consumers and businesses to use their cards.
Last December, Mastercard <a target="_blank" href="https://www.benzinga.com/government/regulations/24/12/42321510/mastercard-settles-uk-antitrust-lawsuit-for-250-million" rel="noreferrer noopener">agreed to settle</a> a $250.35 million (200 million pounds) lawsuit filed by millions of U.K. consumers alleging that the company unfairly imposed exorbitant fees on card transactions.
In 2019, the EU fined Mastercard 570.6 million euros ($646 million) for artificially raising the costs of card payments in the region. Regulators also approved a pact with the card companies that required them to reduce fees for foreigners shopping in the area.
Analysts rerated the stocks after their quarterly results.
RBC Capital analyst&nbsp;Daniel R. Perlin noted that Visa's <a target="_blank" href="https://www.benzinga.com/trading-ideas/movers/25/04/45118922/visas-q2-results-reflect-steady-us-spending-despite-market-uncertainty-analyst-highlights-strength-in-payment-volumes" rel="noreferrer noopener">second-quarter results</a> provided insight into consumer health. Adjusted U.S. spending volumes remained steady, although some category shifts and a slight slowdown in cross-border activity were observed.
JP Morgan&nbsp;analyst Tien-tsin Huang noted that Mastercard posted stable, mid-teen organic revenue growth in <a target="_blank" href="https://www.benzinga.com/analyst-ratings/price-target/25/05/45175986/mastercards-cross-border-surge-and-pricing-actions-drive-analyst-optimism" rel="noreferrer noopener">the first quarter</a>. The upside was broad-based, though management highlighted currency volatility and lower incentives as the internal surprise, per the analyst. However, cross-border decelerated slightly more than expected off a higher fourth-quarter base. Assuming no material macro shocks, the analyst feels confident in near-term numbers given pricing actions supporting growth.
Price Actions: At the last check on Wednesday, MA stock was down 1.07% at $564.04, and V is down 1.34%.
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Government

Regulations

Visa And Mastercard Face EU Scrutiny Over Card Fees Amid Push To Cut Foreign Payment Dependence

<a href="https://www.bloomberg.com/news/articles/2025-05-23/visa-mastercard-fees-hit-by-new-round-of-eu-antitrust-scrutiny?embedded-checkout=true">https://www.bloomberg.com/news/articles/2025-05-23/visa-mastercard-fees-hit-by-new-round-of-eu-antitrust-scrutiny?embedded-checkout=true</a>

General

'Visa, Mastercard Fees Hit by New Round of EU Antitrust Scrutiny'- Bloomberg

Mastercard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) has outperformed the market over the past 15 years by 13.13% on an annualized basis producing an average annual return of 24.95%. Currently, Mastercard has a market capitalization of $517.92 billion. 
Buying $1000 In MA: If an investor had bought $1000 of MA stock 15 years ago, it would be worth $27,444.18 today based on a price of $570.29 for MA at the time of writing.
<h3>Mastercard's Performance Over Last 15 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1747931429_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

$1000 Invested In This Stock 15 Years Ago Would Be Worth This Much Today

David Sacks, the&nbsp;top crypto and AI advisor&nbsp;to President Donald Trump, has projected that the impending stablecoin legislation could unlock trillions for the U.S. Treasury.
What Happened:&nbsp;Sacks expressed optimism about the bipartisan support for the stablecoin legislation currently being deliberated in the Senate. He suggested that establishing a legal framework for the already $200 billion worth of unregulated stablecoins could lead to a significant demand for U.S. Treasuries, according to a&nbsp;<a href="https://www.cnbc.com/2025/05/21/trump-crypto-czar-sacks-stablecoin-bill-unlock-trillions-for-treasury.html">CNBC report</a>&nbsp;on Wednesday.
If we provide the legal clarity and legal framework for this, I think we could create trillions of dollars of demand for our Treasuries practically overnight, very quickly,&#8221; stated Sacks.
The GENIUS Act, a bill designed to regulate stablecoins, has passed a crucial&nbsp;procedural vote in the Senate.&nbsp;With support from 15 Democrats, the bill has enough votes to overcome a filibuster. &#8220;We&nbsp;have every expectation now that&nbsp;it&#8217;s going to pass,&#8221; Sacks stated.
Sacks supports the GENIUS Act as a national economic strategy, highlighting stablecoins as a more efficient payment method that strengthens the dollar's online dominance. Meanwhile, the Trump family financially backs World Liberty Financial, which has launched a Treasury- and dollar-backed stablecoin called USD1.
SEE ALSO:&nbsp;<a href="https://benzinga.com/markets/25/05/45539686/kevin-oleary-warns-trumps-big-beautiful-bill-could-be-devastating-for-small-businesses-somebodys-got-to-r" target="_blank" rel="noreferrer noopener">Kevin O&#8217;Leary Warns Trump&#8217;s &#8216;Big, Beautiful Bill&#8217; Could Be &#8216;Devastating&#8217; For Small Businesses: &#8216;Somebody&#8217;s Got To Raise The Red Flag&#8217;</a>
Why It Matters:&nbsp;Stablecoins, unlike other digital assets such as Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>), have their value tied to real-world assets like the U.S. dollar.&nbsp;In the past year, Stablecoin transactions reached $28 trillion—exceeding the combined volume of Mastercard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) and Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>).
The push for stablecoin legislation has been gaining momentum for some time. In March 2025, President Trump called for stablecoin legislation at the Blockworks Digital Asset Summit, highlighting the potential of stablecoins to enhance the U.S. financial system and maintain the dollar&#8217;s global dominance. This marked his first address at a <a href="https://www.benzinga.com/markets/cryptocurrency/25/03/44420122/donald-trump-calls-for-stablecoin-legislation-lauds-bitcoin-reserve-biden-got-a-fraction-of-their-value">crypto conference</a> as a sitting president.
U.S. Sen. Bill Hagerty (R-Tenn.) stated that stablecoin issuers could become the<a href="https://www.benzinga.com/markets/cryptocurrency/25/05/45516604/senator-hagerty-says-stablecoin-issuers-may-surpass-foreign-governments-in-us-treasury-holdings"> largest holders</a> of U.S. Treasuries globally by the end of the decade, citing projections from Citibank. He emphasized the role stablecoins play in transforming the payments landscape while underscoring their backing by short-term U.S. government debt.
Despite the optimism, the bill's passage faces hurdles. A contentious amendment from Sen. Josh Hawley (R-Mo.) could alienate banking supporters and potentially delay final approval.
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Image via Shutterstock
Disclaimer:&nbsp;This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.

Coverage of Bitcoin, Etherum, Ripple and all the latest digital currencies.

Cryptocurrency

$BTC

Trump's Crypto Czar David Sacks Foresees Stablecoin Bill Generating Trillions For US Treasury 'Practically Overnight'

Cryptocurrency exchange Gemini has teamed up with Tesla Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) to give away two limited edition Cybertrucks to celebrate the launch of its Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) credit card on Monday.
What Happened:&nbsp;In an X post, Gemini teased the Mastercard Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>)-powered card, created exclusively for Bitcoin users. The card will give back up to 4% in BTC instantly on gas, EV charging, transit, taxis &amp; rideshare, with no annual fees and no fees on foreign purchases.
To mark the occasion, Gemini announced a reward of two Tesla Cybertrucks. The giveaway will run from May 19 to June 18. The two winners will get a chance to win the premium <a href="https://www.benzinga.com/tech/25/02/44037023/tesla-cybertruck-inventory-swells-despite-discounts-falling-short-of-elon-musks-vision">Cyberbeast</a> variant.
The winners would be chosen based on their engagement with Gemini&#8217;s products, including purchases through the newly launched card and trading activity on the cryptocurrency exchange. 
For every&nbsp;$50 spent on the Gemini&nbsp;Credit Card, users receive one entry into the Cybertruck 1 draw. Similarly, each $50 traded on Gemini earns one entry for the Cybertruck 2 draw.
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">The Bitcoin Credit Card&#x2122; is here. Designed for Bitcoiners, the orange card gives up to 4% back in bitcoin instantly. No waiting, just stacking. To celebrate this launch, we're giving away TWO Tesla Cybertrucks &#x26a1; Here's how to enter:… <a href="https://t.co/q489LFqqhX">pic.twitter.com/q489LFqqhX</a>
&mdash; Gemini (@Gemini) <a href="https://twitter.com/Gemini/status/1924481844382208384?ref_src=twsrc%5Etfw">May 19, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
See Also:&nbsp;<a href="https://benzinga.com/markets/cryptocurrency/25/03/44450232/white-house-says-gold-reserves-may-be-used-to-purchase-bitcoin" target="_blank" rel="noreferrer noopener">White House Says Gold Reserves May Be Used to Purchase Bitcoin</a>
Why It Matters:&nbsp;The Tesla Cybertruck is an <a href="https://in.benzinga.com/25/01/42759653/cybertruck-all-wheel-drive-now-eligible-for-7500-ev-tax-credit">all-electric, full-size pickup truck</a>, known for its unusual, angular design. The base all-wheel drive variant starts at $79,990, while the more expensive Cyberbeast variant costs $99,990.
This is not the first time Tesla has been linked to Bitcoin. In fact, the Elon Musk-led automobile giant holds over $1 billion in BTC as of this writing, <a href="https://intel.arkm.com/explorer/entity/tesla">according</a> to blockchain analytics firm Arkham Intelligence.
Price Action:&nbsp; At the time of writing, BTC was exchanging hands at $105,153.86, up 3.31% in the last 24 hours, according to <a href="https://pro.benzinga.com/dashboard?_gl=1&#x2A;380nj0&#x2A;_ga&#x2A;MTEyOTAyOTcxMy4xNzEzMzY0NTYy&#x2A;_ga_V7ZK73W7N0&#x2A;MTcxNDk4MzIzMi42LjEuMTcxNDk4OTE0Ni4wLjAuMA..">data from Benzinga Pro</a>. 
TSLA demonstrated a very high momentum score—a measure of the stock's relative strength based on its price movement patterns and volatility over multiple timeframes—as of this writing. If you&#8217;re looking for stocks with a strong momentum score, check out <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound">Benzinga Edge Stock Rankings</a>.
Shares of Tesla were up 0.24% in pre-market trading after closing 2.25% lower at $342.09 during Monday&#8217;s regular session. 
<figure class="wp-block-image size-full"><a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound"><img loading="lazy" decoding="async" width="496" height="187" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/05/20041438/image-236.png" alt="" class="wp-image-920855" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/05/20041438/image-236.png 496w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/05/20041438/image-236-300x113.png 300w" sizes="(max-width: 496px) 100vw, 496px" /></a></figure>

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<li><a href="https://benzinga.com/markets/cryptocurrency/25/05/45498737/altcoin-rotation-is-coming-expert-says-will-eth-xrp-dogecoin-benefit" target="_blank" rel="noreferrer noopener">Altcoin Rotation Is Coming, Expert Says: Will ETH, XRP, Dogecoin Benefit?</a></li>
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Photo courtesy: Jonathan Weiss / Shutterstock.com

TSLA

Want A Tesla Cybertruck? Gemini's New Bitcoin Credit Card Could Be Your Ticket

Investors with a lot of money to spend have taken a bullish stance on Mastercard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>).
And retail traders should know.
We noticed this today when the trades showed up on publicly available options history that we track here at Benzinga.
Whether these are institutions or just wealthy individuals, we don't know. But when something this big happens with MA, it often means somebody knows something is about to happen.
So how do we know what these investors just did? 
Today, <a href="https://www.benzinga.com/pro/">Benzinga</a>'s options scanner spotted 8 uncommon options trades for Mastercard.
This isn't normal.
The overall sentiment of these big-money traders is split between 37% bullish and 37%, bearish.
Out of all of the special options we uncovered, 5 are puts, for a total amount of $395,106, and 3 are calls, for a total amount of $106,264.
<h3>Predicted Price Range</h3>
Analyzing the Volume and Open Interest in these contracts, it seems that the big players have been eyeing a price window from $520.0 to $620.0 for Mastercard during the past quarter. 
<h3>Volume &amp; Open Interest Trends</h3>
In terms of liquidity and interest, the mean open interest for Mastercard options trades today is 344.8 with a total volume of 1,987.00.
In the following chart, we are able to follow the development of volume and open interest of call and put options for Mastercard's big money trades within a strike price range of $520.0 to $620.0 over the last 30 days.
<h3>Mastercard 30-Day Option Volume &amp; Interest Snapshot</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1747425719_0.png" alt="Options Call Chart" />
<h3>Largest Options Trades Observed:</h3>

<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Ask</th>
<th>Bid</th>
<th>Price</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th align="right">Open Interest</th>
<th align="right">Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>MA</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>08/15/25</td>
<td>$29.6</td>
<td>$29.25</td>
<td>$29.6</td>
<td>$600.00</td>
<td>$100.8K</td>
<td align="right">65</td>
<td align="right">83</td>
</tr>
<tr>
<td>MA</td>
<td>PUT</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>08/15/25</td>
<td>$30.25</td>
<td>$29.55</td>
<td>$29.55</td>
<td>$600.00</td>
<td>$100.4K</td>
<td align="right">65</td>
<td align="right">117</td>
</tr>
<tr>
<td>MA</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>08/15/25</td>
<td>$30.3</td>
<td>$29.5</td>
<td>$29.57</td>
<td>$600.00</td>
<td>$100.4K</td>
<td align="right">65</td>
<td align="right">151</td>
</tr>
<tr>
<td>MA</td>
<td>PUT</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>08/15/25</td>
<td>$43.95</td>
<td>$40.6</td>
<td>$43.95</td>
<td>$620.00</td>
<td>$48.3K</td>
<td align="right">12</td>
<td align="right">11</td>
</tr>
<tr>
<td>MA</td>
<td>PUT</td>
<td>TRADE</td>
<td>NEUTRAL</td>
<td>08/15/25</td>
<td>$30.65</td>
<td>$29.3</td>
<td>$30.03</td>
<td>$600.00</td>
<td>$45.0K</td>
<td align="right">65</td>
<td align="right">33</td>
</tr>
</tbody>
</table>

<h3>About Mastercard</h3>
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.
<h3>Mastercard's Current Market Status</h3>
<ul>
<li>With a trading volume of 1,501,422, the price of MA is up by 0.08%, reaching $582.64.</li>
<li>Current RSI values indicate that the stock is may be overbought.</li>
<li>Next earnings report is scheduled for 75 days from now.</li>
</ul>
<h3>Expert Opinions on Mastercard</h3>
Over the past month, 4 industry analysts have shared their insights on this stock, proposing an average target price of $634.25.
Unusual Options Activity Detected: Smart Money on the Move
Benzinga Edge's Unusual Options board spots potential market movers before they happen. See what positions big money is taking on your favorite stocks. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22bz20&amp;adType=benzinga-insights&amp;ad=options-activity&amp;campaign=wallstreetadvantage">Click here for access</a>. 
&#x2A; Consistent in their evaluation, an analyst from Macquarie keeps a Outperform rating on Mastercard with a target price of $610. 
&#x2A; An analyst from Keybanc persists with their Overweight rating on Mastercard, maintaining a target price of $635. 
&#x2A; An analyst from Citigroup has decided to maintain their Buy rating on Mastercard, which currently sits at a price target of $652. 
&#x2A; An analyst from UBS has decided to maintain their Buy rating on Mastercard, which currently sits at a price target of $640. 
Options are a riskier asset compared to just trading the stock, but they have higher profit potential. Serious options traders manage this risk by educating themselves daily, scaling in and out of trades, following more than one indicator, and following the markets closely.
If you want to stay updated on the latest options trades for Mastercard, <a href="https://www.benzinga.com/pro/">Benzinga Pro</a> gives you real-time options trades alerts.

Mastercard Unusual Options Activity For May 16

The cryptocurrency industry's increasingly close alignment with president Donald Trump and the Republican Party has put its future at the mercy of American electoral cycles, raising concerns about political overreach, regulatory uncertainty <a href="https://www.benzinga.com/markets/cryptocurrency/25/05/45201052/trump-meme-coin-draws-attention-as-crypto-focused-dinners-projected-to-draw-millions">and reputational damage</a>.
What Happened: Once hailed as a decentralized alternative to entrenched financial institutions, crypto now finds itself entangled in the very power structures it once sought to disrupt, according to an <a href="https://www.economist.com/leaders/2025/05/15/crypto-has-become-the-ultimate-swamp-asset?utm_source=twitter&amp;utm_medium=social-media.content.np&amp;utm_campaign=editorial-social&amp;utm_content=discovery.content">article</a> by The Economist.
Over the past six months, the industry has entrenched itself in U.S. political life, with top crypto firms among the largest political donors and Trump-aligned officials and family members holding major crypto investments. 
This shift has sparked concern that the sector, once ideologically neutral and globally oriented, has effectively become a partisan tool.
"No industry that becomes so associated with one party can be immune to the mood swings of the American electorate," the article satted.
In embracing Trump as a political ally, crypto firms may have inadvertently tethered their future to his political fortunes, it added.
This marks a stark departure from crypto's founding ethos. 
Originally envisioned as a libertarian, anti-establishment alternative to centralized finance, the sector was meant to empower individuals and resist state overreach. 
Today, it is deeply intertwined with U.S. power structures, often to its own detriment. 
The industry's credibility has taken a hit due to allegations of financial misconduct and growing conflicts of interest, with the Trump family&#8217;s holdings now reportedly worth billions.
While regulators in Europe, Asia, and the Middle East have moved toward clearer crypto rules without political entanglements, the U.S. has veered in the opposite direction. 
Under the Biden administration, regulatory bodies like the SEC pursued aggressive enforcement, prompting crypto firms to turn to the courts. 
But now, with Trump's resurgence, many of those cases have been dropped, and regulation has stalled. 
A recent Senate bill aimed at clarifying crypto&#8217;s legal status failed to move forward after bipartisan support collapsed, an outcome linked in part to concerns over Trump's personal involvement in the sector.
Also Read: <a href="https://www.benzinga.com/markets/cryptocurrency/25/05/45469069/lendr-fi-launches-liquid-staked-real-world-asset-tokens">Lendr.fi Launches Liquid-Staked Real-World Asset Tokens</a>
Why It Matters: Meanwhile, the underlying blockchain technology continues to find traction.
Tokenization of real-world assets like treasuries and private credit has nearly tripled in 18 months. 
Traditional firms such as BlackRock (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BLK#NASDAQ">BLK</a>), Mastercard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>), and Stripe are entering the space through stablecoins and tokenized products. 
But their cautious approach stands in contrast to the politicized chaos enveloping much of U.S. crypto policy.
Critics argue the industry&#8217;s aggressive push for influence during the Biden years may have been understandable given regulatory hostility, but the pendulum has now swung too far.
The lack of formal rules leaves room for instability.
 As evidenced by the 2023 failures of crypto-exposed banks like Silvergate and Signature, unchecked risk can have real consequences. 
Stablecoins, in particular, remain susceptible to rapid withdrawals and should be regulated more like banks.
The current dynamic, where crypto policy is shaped by electoral strategy rather than systemic planning, undermines long-term legitimacy. 
Despite the short-term gains for the Trumps, the broader sector may ultimately lose. 
"Crypto has been good to the Trumps. But ultimately the benefits of this deal will flow only one way,&#8221; the article states.
Read Next: 
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<li><a href="https://www.benzinga.com/markets/cryptocurrency/25/05/45465049/jim-chanos-goes-long-bitcoin-short-microstrategy-in-arbitrage-bet-against-retail-speculation">Jim Chanos Goes Long Bitcoin, Short MicroStrategy In Arbitrage Bet Against Retail Speculation</a></li>
</ul>
Image created using artificial intelligence with Midjourney.

Donald Trump's Crypto Ties Could Be A Banana Skin For The Industry: Report

Mastercard Incorporated (NYSE: MA) announced on Thursday that it is <a href="https://www.mastercard.com/news/press/2025/may/mastercard-and-moonpay-team-up-to-mainstream-stablecoin-payments/" target="_blank" rel="noreferrer noopener">partnering</a> with crypto infrastructure company MoonPay to launch stablecoin-based payment solutions for global use. The company said the collaboration aims to bridge traditional finance with the crypto economy.
The partnership allows fintechs and enterprises to issue Mastercard-branded cards linked to stablecoin balances.
These cards will automatically convert stablecoins into fiat currency, making them usable at more than 150 million merchant locations worldwide.
Also Read: <a href="https://www.benzinga.com/25/05/45340947/mastercard-cfo-sees-paradigm-shift-away-from-web-browsers-for-shopping-says-ai-will-soon-let-people-shop-and-pay-through-chat" target="_blank" rel="noreferrer noopener">Mastercard CFO Says Shoppers Ready To Abandon The Web Browser In Favor Of AI Agents: &#8216;Paradigm Shift&#8217; Unfolding</a>
MoonPay will utilize API technology from Iron, a company it recently acquired, to support these transactions.
The system will transform crypto wallets into functional digital accounts, streamlining international payments and enabling faster, more efficient disbursements, particularly for freelancers, gig workers, and digital creators.
Combining Mastercard&#8217;s extensive payment infrastructure with MoonPay&#8217;s crypto user base of over 100 million, the initiative seeks to expand stablecoin adoption.
With around 20 million wallets transacting in stablecoins monthly and 120 million holding such assets, the demand for spendable digital currencies is rising.
Scott Abrahams, Mastercard&#8217;s executive vice president of Global Partnerships, stated that the goal is to &#8220;unlock stablecoin utility and ubiquity&#8221; and reshape how cross-border payments operate.
Ivan Soto-Wright, MoonPay&#8217;s CEO, highlighted that the partnership will bring &#8220;trusted stablecoin-enabled cards&#8221; to the global crypto community.
By enabling real-time conversion of crypto to fiat, the initiative is a major step in integrating digital assets into mainstream finance.
According to&nbsp;<a target="_blank" href="https://pro.benzinga.com/?gspk=YWRhbWVja2VydDUzMzY&amp;gsxid=zBMR4PKmcgBw" rel="noreferrer noopener">Benzinga Pro</a>, MA stock has gained over 26% in the past year. Investors can gain exposure to the stock via&nbsp;iShares Long-Term U.S. Equity Active ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BELT#NASDAQ">BELT</a>).
Price Action: MA shares are trading higher by 1.29% to $580.68 at last check on Thursday.
Read Next:
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<li><a href="https://www.benzinga.com/economics/macro-economic-events/25/05/45435725/tariffs-slow-retail-spending-as-producer-prices-post-sharpest-drop-since-2020" target="_blank" rel="noreferrer noopener">Tariffs Slow Retail Spending As Producer Prices Post Sharpest Drop Since 2020</a></li>
</ul>
Image via Shutterstock

Equities

Movers

BELT

Mastercard Taps Into 100 Million Crypto Users With MoonPay Partnership

<a href="https://www.mastercard.com/news/press/2025/may/mastercard-and-moonpay-team-up-to-mainstream-stablecoin-payments/" title="https://www.mastercard.com/news/press/2025/may/mastercard-and-moonpay-team-up-to-mainstream-stablecoin-payments/">https://www.mastercard.com/news/press/2025/may/mastercard-and-moonpay-team-up-to-mainstream-stablecoin-payments/</a>

'Mastercard And MoonPay Team Up To Mainstream Stablecoin Payments' - Newsroom

Whales with a lot of money to spend have taken a noticeably bearish stance on Mastercard.
Looking at options history for Mastercard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) we detected 22 trades.
If we consider the specifics of each trade, it is accurate to state that 13% of the investors opened trades with bullish expectations and 54% with bearish.
From the overall spotted trades, 8 are puts, for a total amount of $471,819 and 14, calls, for a total amount of $11,203,158.
<h3>What's The Price Target?</h3>
Analyzing the Volume and Open Interest in these contracts, it seems that the big players have been eyeing a price window from $460.0 to $660.0 for Mastercard during the past quarter. 
<h3>Analyzing Volume &amp; Open Interest</h3>
In terms of liquidity and interest, the mean open interest for Mastercard options trades today is 173.73 with a total volume of 7,205.00.
In the following chart, we are able to follow the development of volume and open interest of call and put options for Mastercard's big money trades within a strike price range of $460.0 to $660.0 over the last 30 days.
<h3>Mastercard Call and Put Volume: 30-Day Overview</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1747166505_0.png" alt="Options Call Chart" />
<h3>Significant Options Trades Detected:</h3>

<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Ask</th>
<th>Bid</th>
<th>Price</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th align="right">Open Interest</th>
<th align="right">Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>MA</td>
<td>CALL</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>06/17/27</td>
<td>$108.0</td>
<td>$103.55</td>
<td>$108.0</td>
<td>$570.00</td>
<td>$9.9M</td>
<td align="right">998</td>
<td align="right">925</td>
</tr>
<tr>
<td>MA</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>06/17/27</td>
<td>$108.65</td>
<td>$107.55</td>
<td>$107.55</td>
<td>$570.00</td>
<td>$344.1K</td>
<td align="right">998</td>
<td align="right">973</td>
</tr>
<tr>
<td>MA</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>06/17/27</td>
<td>$109.3</td>
<td>$108.4</td>
<td>$108.4</td>
<td>$570.00</td>
<td>$216.8K</td>
<td align="right">998</td>
<td align="right">997</td>
</tr>
<tr>
<td>MA</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>06/17/27</td>
<td>$109.45</td>
<td>$107.2</td>
<td>$107.2</td>
<td>$570.00</td>
<td>$171.5K</td>
<td align="right">998</td>
<td align="right">925</td>
</tr>
<tr>
<td>MA</td>
<td>CALL</td>
<td>SWEEP</td>
<td>NEUTRAL</td>
<td>01/15/27</td>
<td>$109.7</td>
<td>$102.35</td>
<td>$105.95</td>
<td>$550.00</td>
<td>$137.7K</td>
<td align="right">56</td>
<td align="right">13</td>
</tr>
</tbody>
</table>

<h3>About Mastercard</h3>
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.
Having examined the options trading patterns of Mastercard, our attention now turns directly to the company. This shift allows us to delve into its present market position and performance
<h3>Mastercard's Current Market Status</h3>
<ul>
<li>With a trading volume of 1,535,851, the price of MA is down by -0.05%, reaching $577.97.</li>
<li>Current RSI values indicate that the stock is may be overbought.</li>
<li>Next earnings report is scheduled for 78 days from now.</li>
</ul>
<h3>What Analysts Are Saying About Mastercard</h3>
4 market experts have recently issued ratings for this stock, with a consensus target price of $634.25.
Turn $1000 into $1270 in just 20 days?
20-year pro options trader reveals his one-line chart technique that shows when to buy and sell. Copy his trades, which have had averaged a 27% profit every 20 days. <a href="https://www.benzinga.com/premium/ideas/options-moneyline-2/?t=Moop1arja3be22op14&amp;adType=benzinga-insights&amp;ad=options-activity&amp;campaign=wallstreetadvantage">Click here for access</a>. 
&#x2A; An analyst from Keybanc persists with their Overweight rating on Mastercard, maintaining a target price of $635. 
&#x2A; An analyst from Citigroup persists with their Buy rating on Mastercard, maintaining a target price of $652. 
&#x2A; An analyst from UBS persists with their Buy rating on Mastercard, maintaining a target price of $640. 
&#x2A; Maintaining their stance, an analyst from Macquarie continues to hold a Outperform rating for Mastercard, targeting a price of $610. 
Options trading presents higher risks and potential rewards. Astute traders manage these risks by continually educating themselves, adapting their strategies, monitoring multiple indicators, and keeping a close eye on market movements. Stay informed about the latest Mastercard options trades with real-time alerts from <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>.

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