Mastercard
Mastercard Incorporated
0 quarters tracked through —
Q1 2026 · Coverage note
A Network, Not an Issuer
Mastercard is a payment network, not a card-issuing lender. It carries no card receivables and books no credit losses, so the issuer credit metrics Cardintel tracks do not apply.
Mastercard does not lend to cardholders. The credit metrics that anchor Cardintel's issuer briefs do not apply to a network.
Like Visa, Mastercard earns fees on payment volume rather than holding card balances. Net charge-offs, delinquency, and provision are structurally absent because Mastercard takes no consumer credit risk.
Cardintel tracks Mastercard for gross dollar volume, switched transactions, and cross-border activity — the network metrics that reflect consumer and commercial spending. These will appear in a dedicated payments-trends view rather than the issuer-credit format.
Until that view ships, Mastercard's page intentionally shows no credit brief, consistent with Cardintel's policy of reporting only what the underlying data supports.
By the editors. Cardintel.
Credit quality
Net charge-off rate
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30+ day delinquency rate
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Net interest margin
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card segment NIM — sparse
Return on assets
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consolidated RoA — sparse
Scale & earnings
Card receivables (EOP)
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Card net revenue
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Provision for credit losses
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Net charge-offs ($)
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Financial summary
P&L, balance sheet, and key drivers
Standardized issuer-summary format used across all coverage. Switch tabs to compare Mastercard against a peer; change the table quarter independently of the page anchor.
| Metric | Mastercard Q1 2026 | Prior Q Q4 2025 | Prior Y Q1 2025 | QoQ | YoY |
|---|---|---|---|---|---|
| Card net revenue | — | — | — | — | — |
| Provision for credit losses | — | — | — | — | — |
| Fee income (non-interest) | — | — | — | — | — |
| Net interest incomeSprint 8 — split out of card net revenue | — | — | — | — | — |
| Noninterest expenseSprint 8 — segment expense extraction | — | — | — | — | — |
| Pretax income | — | — | — | — | — |
| Net income | — | — | — | — | — |
Generated commentary
Mastercard P&L for Q1 2026 — most line items pending ingestion.
$ in cents (formatted as $B / $M / $). Rows marked “pending” are tracked and will populate as the corresponding ingestion lands. Source: SEC EDGAR 10-K / 10-Q segment data and FFIEC Call Reports.
Net charge-off rate — 5-year history
Net charge-off rate for Mastercard (solid) vs. the bank peer median (dashed) and 90th percentile (dotted). Use the controls above to overlay individual peers or a macroeconomic series on the right axis. Source: SEC 10-K/10-Q filings and FFIEC Call Reports; macro series via FRED.
Source: SEC EDGAR 10-Q filings + FFIEC Call Reports. Updated June 4, 2026.Methodology