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Mastercard Inc (MA) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 to invest. The company's strong financial performance, positive analyst sentiment, and recent congressional buying activity outweigh the minor technical and policy-driven concerns.
The MACD is negative and expanding, indicating bearish momentum. RSI is neutral at 31.753, and moving averages are converging, suggesting no clear trend. The stock is trading near its support level (S1: 531.06), which could provide a potential entry point for long-term investors.

Strong Q4 financial performance with revenue up 17.59% YoY and EPS up 24.18% YoY.
Renewed and extended partnership with Capital One, reinforcing Mastercard's network advantage.
Congressional trading data shows significant buying activity, indicating confidence in the stock.
Positive analyst sentiment with multiple upgrades and price target increases, including a high target of $739.
Insider selling has increased significantly by 166.51% over the last month.
Potential policy risks from President Trump's proposed 10% cap on credit card interest rates, which could impact revenue from credit card issuers.
Technical indicators suggest bearish momentum in the short term.
Mastercard delivered strong Q4 2025 results with revenue of $8.806 billion (+17.59% YoY), net income of $4.06 billion (+21.48% YoY), and EPS of $4.52 (+24.18% YoY). Gross margin remains stable at 100%.
Analyst sentiment is overwhelmingly positive, with multiple upgrades and price target increases. The highest price target is $739 (Goldman Sachs), and the lowest is $610 (BofA). Analysts cite strong financials, renewed partnerships, and a favorable risk/reward profile as reasons for their bullish outlook.