Welcome to our dedicated page for Mastercard Incorporated SEC filings (Ticker: MA), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Mastercard Incorporated (NYSE: MA) files a range of documents with the U.S. Securities and Exchange Commission that provide detailed information on its operations, governance, financing and legal matters. As a Delaware corporation in the financial transactions processing and clearinghouse activities industry, Mastercard uses SEC filings to report material events, financial results, capital structure changes and stockholder actions.
On this page, you can review Mastercard’s current and historical SEC filings, including Form 10-K annual reports and Form 10-Q quarterly reports, which describe its business, risk factors, segment information, liquidity and capital resources. These core filings are complemented by Form 8-K current reports, where Mastercard discloses specific events such as earnings releases, amendments to its certificate of incorporation and by-laws, entry into material definitive agreements like revolving credit facilities, and legal or settlement developments affecting its network rules and interchange structure.
Mastercard’s filings also cover governance and stockholder matters, including annual meeting results, director elections, advisory votes on executive compensation and amendments to its charter and by-laws. Other filings may include proxy statements related to stockholder meetings and, where applicable, Form 4 reports that show transactions in company securities by directors and officers.
Stock Titan enhances access to these documents with AI-powered tools that summarize long filings and highlight key points, helping users understand complex topics such as credit facility terms, covenant structures, legal settlements with merchants, and changes to governance provisions. Real-time updates from the SEC’s EDGAR system ensure that new Mastercard filings, from periodic reports to current reports on material events, appear promptly. This page provides a structured way to analyze Mastercard’s regulatory disclosures, track insider and governance information, and follow how the company reports on its financial condition, risk profile and strategic decisions over time.
Mastercard Inc. officer reports routine share withholding for taxes. Chief Product Officer Jorn Lambert reported a Form 4 transaction involving Class A Common Stock of Mastercard Inc. On 12/05/2025, 344 shares were disposed of at $549.28 per share, coded as an "F" transaction. This represents shares withheld by the company to cover tax liabilities triggered by the vesting of restricted stock units, rather than an open-market sale. After this transaction, Lambert beneficially owned 11,369.78 shares of Mastercard Class A Common Stock. The filing also notes that the ownership amount reflects an earlier addition of 1.443 shares acquired through a dividend reinvestment program. The form is signed by an attorney-in-fact acting under a power of attorney for Lambert.
Mastercard Inc. reported an equity award to its Chief Marketing & Communications Officer, Jill Kramer. On December 1, 2025, she acquired 9,276 shares of Class A common stock at a price of $0, reflecting a grant of restricted stock units rather than an open-market purchase.
The award consists of restricted stock units that will vest over three years: 4,638 units on December 1, 2026, 2,319 units on December 1, 2027, and 2,319 units on December 1, 2028. After this grant, she beneficially owns 9,276 shares directly, aligning her compensation more closely with Mastercard’s future share performance.
Mastercard Inc. disclosed an initial ownership report for its Chief Marketing & Communications Officer, Jill Kramer, as of 12/01/2025. The report states that she does not beneficially own any Mastercard securities, either directly or indirectly, at this time. The filing is signed by Craig Brown acting as attorney-in-fact for Jill Kramer under a power of attorney dated November 10, 2025.
Mastercard (MA) officer Edward McLaughlin reported a gift of Class A Common Stock. On 11/12/2025, he disposed of 3,630 shares under transaction code G at $0 per share. Following the transaction, he beneficially owns 30,809.396 shares, held directly.
McLaughlin is listed as President & CTO, MA Tech, and this Form 4 was filed for one reporting person.
Mastercard Incorporated entered into a committed five-year unsecured $8,000,000,000 revolving credit facility on November 7, 2025. The facility, which expires November 7, 2030, amends and restates a prior $8,000,000,000 line that was set to expire November 7, 2029.
The facility is available in U.S. dollars and Euros for general corporate purposes. Borrowings bear interest at SOFR, €STR, or an alternative base rate, in each case plus a margin that varies with the company’s long‑term issuer rating; a facility fee also fluctuates with the rating. Mastercard may designate subsidiaries as borrowers, backed by an unconditional company guarantee.
Key terms include covenants limiting liens (up to the greater of $600,000,000 or 4% of consolidated total assets) and certain fundamental changes, customary events of default, and flexibility to reduce commitments by at least $10.0 million and prepay loans by at least $10.0 million (or €10.0 million for Euro loans) without penalty.
Mastercard reported an updated Class Settlement Agreement with merchant class counsel, alongside Visa, to resolve claims over certain network rules, subject to final approval by the Eastern District of New York. The agreement outlines operational changes for U.S. credit acceptance, including greater acceptance flexibility between consumer and commercial credit, simplified surcharging and discounting rules, and a 10 basis point reduction in the average systemwide effective interchange rate on U.S.-issued consumer and commercial credit transactions at U.S. merchants.
The interchange reduction is designed to function as a five-year cap on the net effective interchange for defined U.S.-issued credit programs under the Mastercard brand, with Visa and Mastercard subject to the same cap. Upon court approval, the arrangement would resolve all pending U.S. merchant litigations seeking changes to interchange structure and acceptance rules. Mastercard stated it does not admit to improper conduct, and noted rule changes would occur after approval, expected most likely in late 2026 or early 2027.
Mastercard (MA) reported a director transaction on 10/31/2025. Julius Genachowski filed a Form 4 showing two Code G (gift) movements of Class A common stock: 45 shares disposed from one trust and 45 shares acquired by another trust at $0. Following these, holdings reported include 8,469 shares direct, 1,745.173 shares indirect by Trust 1, and 45 shares indirect by Trust 2. The filing notes the activity was part of routine personal financial management.
Mastercard (MA) reported solid third‑quarter results. Net revenue rose to $8,602 million from $7,369 million a year ago, and diluted EPS increased to $4.34 from $3.53. Operating income reached $5,061 million, with value coming from both Payment network ($5,179 million) and Value‑added services and solutions ($3,423 million).
Year to date, operating cash flow was $12,646 million. The company returned capital via $8,169 million of share repurchases and declared Q3 dividends of $0.76 per share ($684 million). Cash, cash equivalents and restricted cash ended at $12,845 million. The effective tax rate rose to 21.5% in Q3 (from 15.6%) primarily due to the 15% global minimum tax (Pillar 2) and geographic mix.
Legal matters remain active. Mastercard accrued $512 million related to U.S. merchant litigation and previously recorded £200 million ($268 million) for a U.K. consumer settlement approved in May 2025. As of October 27, 2025, Class A shares outstanding were 891,258,183 and Class B were 6,737,665.
Mastercard Incorporated reported that it issued an earnings release announcing financial results for its third quarter 2025. The company furnished the earnings release as Exhibit 99.1 on October 30, 2025. The filing also lists its securities registered on the NYSE, including Class A Common Stock (MA) and certain notes due 2027, 2029, and 2030.
Edward McLaughlin, President & CTO of MA Tech and an officer of Mastercard Inc (MA), reported a transaction on 10/01/2025 on Form 4. The filing shows 85 shares of Class A common stock were disposed of under transaction code F, with a reported price of $570.24. After the transaction, the reporting person beneficially owned 34,439.396 shares. The filer explains the disposition as withholding of shares to satisfy tax liabilities related to previously granted restricted stock units, and the Form 4 was signed by an attorney-in-fact on 10/03/2025.
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