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Dec 31, 2025
Mastercard Q4 2025 Earnings Report
Mastercard reported strong results in Q4 2025 with growth across revenue, EPS, and net income.
Key Takeaways
Mastercard delivered solid performance in Q4 2025, driven by strong cross-border volumes, continued expansion in value-added services, and the benefit of government grants that supported margins and operating income.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Mastercard expects continued low double-digit net revenue growth in 2026, supported by value-added services and global expansion, with slight headwinds from currency and a restructuring charge.
Positive Outlook
- Continued strong demand for value-added services across geographies.
- Government grants expected to support operating expenses in 2026.
- Momentum in cross-border travel and e-commerce volumes.
- High contactless penetration at 77% of in-person transactions.
- Strong growth in card issuance, with 3.7 billion Mastercard and Maestro cards.
Challenges Ahead
- Currency expected to have a 1-1.5% negative impact on revenue.
- Expected restructuring charge of approximately $200M in Q1 2026.
- Flat U.S. switched volume due to Capital One debit portfolio migration.
- Decline in cross-border travel in January due to weather in Europe.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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