Form 8-K

8-K — Mastercard Inc

Accession: 0001141391-26-000081

Filed: 2026-07-30

Period: 2026-07-30

CIK: 0001141391

SIC: 7389 (SERVICES-BUSINESS SERVICES, NEC)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — ma-20260730.htm (Primary)

EX-99.1 (ma06302026-exx991xearnings.htm)

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8-K

8-K (Primary)

Filename: ma-20260730.htm · Sequence: 1

ma-20260730

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_______________________________________

FORM 8-K

_______________________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 30, 2026

_______________________________________

Mastercard Incorporated

(Exact name of registrant as specified in its charter)

_______________________________________

Delaware 001-32877 13-4172551

(State or other jurisdiction

of incorporation) (Commission File

Number) (IRS Employer

Identification No.)

2000 Purchase Street 10577

Purchase, NY

(Address of principal executive offices) (Zip Code)

(914) 249-2000

(Registrant's telephone number, including area code)

NOT APPLICABLE

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol Name of each exchange of which registered

Class A Common Stock MA New York Stock Exchange

2.1% Notes due 2027 MA27 New York Stock Exchange

1.0% Notes due 2029

MA29A

New York Stock Exchange

2.5% Notes due 2030 MA30 New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

On July 30, 2026, Mastercard Incorporated issued an earnings release announcing financial results for its second quarter 2026.

A copy of the earnings release is attached hereto as Exhibit 99.1. All information in the earnings release is furnished but not filed.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits.

Exhibit Number Exhibit Description

99.1

Earnings Release issued by Mastercard Incorporated, dated July 30, 2026

104 Cover Page Interactive Data File - the cover page interactive data file does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

MASTERCARD INCORPORATED

Date: July 30, 2026 By:

/s/ Gina Accordino

Gina Accordino

Corporate Secretary

EX-99.1

Filename: ma06302026-exx991xearnings.htm · Sequence: 2

Document

Earnings Release

Mastercard Incorporated Reports Second Quarter 2026 Financial Results

•Second quarter net income of $4.4 billion, and diluted earnings per share (EPS) of $4.97

•Second quarter adjusted net income of $4.5 billion, and adjusted diluted EPS of $5.04

•Second quarter net revenue of $9.3 billion, an increase of 14%, or 12% on a currency-neutral basis

•Second quarter gross dollar volume up 8% and purchase volume up 10%, on a local currency basis

Purchase, NY - July 30, 2026 - Mastercard Incorporated (NYSE: MA) today announced financial results for the second quarter 2026.

“We delivered above expectations with net revenue growth at 14% year-over-year, or 12% on a currency-neutral basis in the second quarter. These results reflect our role in powering more ways to shop, pay and do business. From new partnerships in Mexico and the UAE to our market-first Agentic Payment capability, we’re unlocking opportunities unique to Mastercard and shaping what’s next in commerce.” said Michael Miebach, Mastercard CEO.

Quarterly Results

Second Quarter Operating Results

Increase / (Decrease)

$ in billions, except per share data

Q2 2026 Q2 2025 Reported GAAP Currency-neutral

Net revenue $9.3 $8.1 14% 12%

Operating expenses $3.7 $3.4 10% 9%

Operating income $5.6 $4.8 17% 14%

Operating margin 60.2% 58.7% 1.5 ppt 1.1 ppt

Effective income tax rate 20.0% 20.8% (0.8) ppt (0.9) ppt

Net income $4.4 $3.7 19% 16%

Diluted EPS $4.97 $4.07 22% 19%

Key Second Quarter Non-GAAP Results 1

Increase / (Decrease)

$ in billions, except per share data

Q2 2026 Q2 2025 As adjusted Currency-neutral

Net revenue $9.3 $8.1 14% 12%

Adjusted operating expenses $3.6 $3.3 11% 10%

Adjusted operating margin 61.1% 59.9% 1.2 ppt 0.8 ppt

Adjusted effective income tax rate 20.0% 20.9% (0.8) ppt (0.9) ppt

Adjusted net income $4.5 $3.8 18% 16%

Adjusted diluted EPS $5.04 $4.15 21% 19%

1 The Key Second Quarter Non-GAAP Results exclude the impact of gains and losses on the company’s equity investments, special items as described on page 11 (“Second Quarter Special Items”) and/or the translational and transactional impact of currency and the related impact of the company’s foreign exchange derivative contracts designated as cash flow hedging instruments (specifically those that manage the impact of foreign currency variability on anticipated revenues and expenses). See page 11 for the company’s non-GAAP adjustments and the reconciliation to GAAP reported amounts.

Q2 2026 Key Business Drivers

(YoY growth)

Gross dollar volume

Cross-border volume

Switched transactions

(local currency basis) (local currency basis)

up 8%

up 12%

up 9%

The following information is provided to aid in understanding Mastercard’s second quarter 2026 results, versus the year ago period.

•Net revenue increased 14%, or 12% on a currency-neutral basis versus the comparable period in 2025. The increase was attributable to growth in our payment network and value-added services and solutions.

▪Payment network net revenue increased 10%, or 8% on a currency-neutral basis. Primary drivers of the increase were as follows:

•Gross dollar volume growth of 8% on a local currency basis to $2.9 trillion.

•Cross-border volume growth of 12% on a local currency basis.

•Switched transactions growth of 9%.

This increase in payment network net revenue includes growth in payment network rebates and incentives provided to customers. Payment network rebates and incentives increased 22%, or 20% on a currency-neutral basis, primarily due to an increase in our key drivers, as well as new and renewed deals.

▪Value-added services and solutions net revenue increased 20%, or 18% on a currency-neutral basis. The growth was driven primarily by our underlying key drivers, security solutions, consumer acquisition and engagement services, digital and authentication solutions and business and market insights and pricing. This includes a minimal decrease from acquisitions and dispositions.

•Total operating expenses increased 10% as compared to the same period in 2025, primarily due to higher general and administrative expenses. Excluding the impact of Second Quarter Special Items, adjusted operating expenses increased 11%, or 10% on a currency-neutral basis. This includes a 1 percentage point benefit from acquisitions and dispositions. The remaining increase was primarily due to higher general and administrative expenses.

•Other income (expense) was favorable by $4 million versus the year ago period. Excluding the impact of net gains and losses on our equity investments, adjusted other income (expense) was favorable by $9 million.

•The effective tax rate for the second quarter of 2026 was 20.0%, versus 20.8% for the comparable period in 2025. The adjusted effective tax rate for the second quarter of 2026 was 20.0%, versus 20.9% for the comparable period in 2025. Both as-reported and as-adjusted income tax rates were lower versus the comparable period in 2025 due to partially offsetting tax impacts in 2026, including discrete tax benefits in the periods.

•As of June 30, 2026, the company’s customers had issued 3.7 billion Mastercard and Maestro-branded cards.

Year-to-date Results

Year-to-date Operating Results

Increase / (Decrease)

$ in billions, except per share data

2026 2025 Reported GAAP Currency-neutral

Net revenue $17.7 $15.4 15% 12%

Operating expenses $7.2 $6.5 11% 10%

Operating income $10.5 $8.9 18% 14%

Operating margin 59.4% 58.0% 1.3 ppt 0.9 ppt

Effective income tax rate 19.7% 19.8% (0.1) ppt (0.2) ppt

Net income $8.3 $7.0 18% 14%

Diluted EPS $9.32 $7.66 22% 17%

Key Year-to-date Non-GAAP Results 1

Increase / (Decrease)

$ in billions, except per share data 2026 2025 As adjusted Currency-neutral

Net revenue

$17.7 $15.4 15% 12%

Adjusted operating expenses $6.9 $6.2 11% 9%

Adjusted operating margin 61.0% 59.6% 1.3 ppt 0.9 ppt

Adjusted effective income tax rate 19.7% 20.1% (0.4) ppt (0.4) ppt

Adjusted net income $8.6 $7.2 19% 15%

Adjusted diluted EPS $9.64 $7.87 22% 18%

1 The Key Year-to-date Non-GAAP Results exclude the impact of gains and losses on the company’s equity investments, special items as described on page 12 (“Year-to-date Special Items”) and/or the translational and transactional impact of currency and the related impact of the company’s foreign exchange derivative contracts designated as cash flow hedging instruments (specifically those that manage the impact of foreign currency variability on anticipated revenues and expenses). See page 12 for the company’s non-GAAP adjustments and the reconciliation to GAAP reported amounts.

Year-to-date 2026 Key Business Drivers

(YoY growth)

Gross dollar volume

Cross-border volume

Switched transactions

(local currency basis) (local currency basis)

up 8%

up 12%

up 9%

The following information is provided to aid in understanding Mastercard’s year-to-date 2026 results, versus the year ago period.

•Net revenue increased 15%, or 12% on a currency-neutral basis. The increase was attributable to growth in our payment network and our value-added services and solutions.

▪Payment network net revenue increased 11%, as reported and 8% on a currency-neutral basis. Primary drivers of the increase were as follows:

•Gross dollar volume growth of 8% on a local currency basis to $5.6 trillion.

•Cross-border volume growth of 12% on a local currency basis.

•Switched transactions growth of 9%.

This increase in payment network net revenue includes growth in payment network rebates and incentives provided to customers. Payment network rebates and incentives increased 22%, or 19% on a currency-neutral basis, primarily due to an increase in our key drivers, as well as new and renewed deals.

▪Value-added services and solutions net revenue increased 21%, or 18% on a currency-neutral basis. The increase was driven primarily by growth in our underlying drivers, security and digital and authentication solutions, consumer acquisition and engagement services, business and market insights and pricing. This includes a minimal decrease from acquisitions and dispositions.

•Total operating expenses increased 11% as compared to 2025, primarily due to higher general and administrative expenses which included a restructuring charge in the first quarter of 2026, partially offset by lower litigation provisions. Excluding the impact of Year-to-date Special Items, adjusted operating expenses increased 11%, or 9% on a currency-neutral basis. This includes a minimal benefit from acquisitions and dispositions. The remaining increase was primarily due to higher general and administrative expenses.

•Other income (expense) was favorable $27 million versus the year ago period, primarily due to government grant agreements executed in the fourth quarter 2025, partially offset by higher net losses in the current year versus the prior year on our equity investments. Excluding the impact of net gains and losses on our equity investments, adjusted other income (expense) was favorable $70 million versus the prior year primarily due to the government grant agreements.

•The effective tax rate for year-to-date 2026 was 19.7%, versus 19.8% for the comparable period in 2025. The adjusted effective tax rate for year-to-date 2026 was 19.7%, versus 20.1% for the comparable period in 2025. Both as-reported and as-adjusted income tax rates were lower versus the comparable period in 2025 due to partially offsetting tax impacts in 2026, including discrete tax benefits in the periods.

Return of Capital to Stockholders

During the second quarter of 2026, Mastercard repurchased 9.8 million shares at a cost of $4.9 billion and paid $771 million in dividends.

Quarter-to-date through July 27, the company repurchased 1.3 million shares at a cost of $0.7 billion, which leaves $7.8 billion remaining under approved share repurchase programs.

Second Quarter 2026 Financial Results Conference Call Details

At 9:00 a.m. ET today, the company will host a conference call to discuss its second quarter and year-to-date 2026 results. The dial-in information for this call is 1-888-330-2508 (Toll-free) and 1-240-789-2735 (Toll dial-in), using passcode 6451878. A replay of the call will be available for 30 days and can be accessed by dialing 1-800-770-2030 (Toll-free) and 1-609-800-9909 (Toll dial-in), using passcode 6451878.

A live audio webcast of this call, along with presentation slides, can also be accessed through the Investor Relations section of the company’s website at investor.mastercard.com.

Forward-Looking Statements

This press release contains forward-looking statements pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical facts may be forward-looking statements. When used in this press release, the words “believe”, “expect”, “could”, “may”, “would”, “will”, “trend” and similar words are intended to identify forward-looking statements. Examples of forward-looking statements include, but are not limited to, statements that relate to the company’s future prospects, developments and business strategies. We caution you to not place undue reliance on these forward-looking statements, as they speak only as of the date they are made. Except for the company’s ongoing obligations under the U.S. federal securities laws, the company does not intend to update or otherwise revise the forward-looking information to reflect actual results of operations, changes in financial condition, changes in estimates, expectations or assumptions, changes in general economic or

industry conditions or other circumstances arising and/or existing since the preparation of this press release or to reflect the occurrence of any unanticipated events.

Many factors and uncertainties relating to our operations and business environment, all of which are difficult to predict and many of which are outside of our control, influence whether any forward-looking statements can or will be achieved. Any one of those factors could cause our actual results to differ materially from those expressed or implied in writing in any forward-looking statements made by Mastercard or on its behalf, including, but not limited to, the following factors:

•regulation related to the payments industry (including regulatory, legislative and litigation activity with respect to interchange rates and surcharging)

•the impact of preferential or protective government actions

•regulation of privacy, data, AI, information security and the digital economy

•regulation that directly or indirectly applies to us based on our participation in the global payments industry (including anti-money laundering, countering the financing of terrorism, economic sanctions and anti-corruption, account-based payments systems, and issuer and acquirer practices regulation)

•the impact of changes in tax laws, as well as regulations and interpretations of such laws or challenges to our tax positions

•potential or incurred liability and limitations on business related to any litigation or litigation settlements

•the impact of competition in the global payments industry (including disintermediation and pricing pressure)

•the challenges relating to rapid technological developments and changes

•the challenges relating to operating a real-time account-based payments system and to working with new customers and end users

•the impact of information security incidents, account data breaches or service disruptions

•issues related to our relationships with our stakeholders (including loss of substantial business from significant customers, competitor relationships with our customers, consolidation amongst our customers, merchants’ continued focus on acceptance costs and unique risks from our work with governments)

•the impact of global economic, political, financial and societal events and conditions, including adverse currency fluctuations and foreign exchange controls

•reputational impact, including impact related to brand perception and lack of visibility of our brands in products and services

•the impact of environmental, social and governance matters and related stakeholder reaction

•the inability to attract and retain a highly qualified workforce, or maintain our corporate culture

•issues related to acquisition integration, strategic investments and entry into new businesses

•exposure to loss or illiquidity due to our role as guarantor as well as other contractual obligations and discretionary actions we may take

•issues related to our Class A common stock and corporate governance structure

For additional information on these and other factors that could cause the company’s actual results to differ materially from expected results, please see the company’s filings with the Securities and Exchange Commission, including the company’s Annual Report on Form 10-K for the year ended December 31, 2025 and any subsequent reports on Forms 10-Q and 8-K.

About Mastercard (NYSE: MA)

Mastercard powers economies and empowers people in more than 220 countries and territories worldwide. Together with our customers, we are building a resilient economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

www.mastercard.com

Contacts:

Investor Relations: Media Relations:

Devin Corr

Seth Eisen

investor.relations@mastercard.com Seth.Eisen@mastercard.com

914-249-4565 914-249-3153

Consolidated Statements of Operations (Unaudited)

Three Months Ended June 30, Six Months Ended June 30,

2026 2025 2026 2025

(in millions, except per share data)

Net Revenue $ 9,277 $ 8,133 $ 17,675 $ 15,383

Operating Expenses:

General and administrative 3,082 2,766 6,121 5,289

Advertising and marketing 217 213 370 365

Depreciation and amortization 309 281 608 556

Provision for litigation 82 96 82 247

Total operating expenses 3,690 3,356 7,181 6,457

Operating income 5,587 4,777 10,494 8,926

Other Income (Expense):

Investment income 88 70 169 158

Gains (losses) on equity investments, net (2) 4 (68) (25)

Interest expense (218) (195) (403) (377)

Other income (expense), net 31 16 106 21

Total other income (expense) (101) (105) (196) (223)

Income before income taxes 5,486 4,672 10,298 8,703

Income tax expense 1,098 971 2,028 1,722

Net Income $ 4,388 $ 3,701 $ 8,270 $ 6,981

Basic Earnings per Share $ 4.98 $ 4.08 $ 9.33 $ 7.67

Basic weighted-average shares outstanding 882 908 887 910

Diluted Earnings per Share $ 4.97 $ 4.07 $ 9.32 $ 7.66

Diluted weighted-average shares outstanding 883 909 888 911

Consolidated Balance Sheets (Unaudited)

June 30, 2026 December 31, 2025

(in millions, except per share data)

Assets

Current assets:

Cash and cash equivalents $ 11,291 $ 10,566

Restricted cash and restricted cash equivalents 488 561

Restricted security deposits held for customers 2,196 2,121

Investments 318 332

Accounts receivable 5,047 4,609

Settlement assets 2,371 1,626

Prepaid expenses and other current assets 4,811 3,743

Total current assets 26,522 23,558

Property, equipment and right-of-use assets, net of accumulated depreciation and amortization of $2,878 and $2,756, respectively

2,541 2,303

Deferred income taxes 1,441 1,567

Goodwill 9,498 9,560

Other intangible assets, net of accumulated amortization of $3,303 and $3,096, respectively

5,466 5,554

Other assets 12,223 11,615

Total Assets $ 57,691 $ 54,157

Liabilities and Equity

Current liabilities:

Accounts payable $ 1,130 $ 999

Settlement obligations 3,159 2,409

Restricted security deposits held for customers 2,196 2,121

Accrued litigation 296 800

Accrued expenses 13,027 13,272

Short-term debt 2,459 749

Other current liabilities 2,737 2,412

Total current liabilities 25,004 22,762

Long-term debt 22,184 18,251

Deferred income taxes 315 307

Other liabilities 4,582 5,091

Total Liabilities 52,085 46,411

Commitments and Contingencies

Stockholders’ Equity

Class A common stock, $0.0001 par value; authorized 3,000 shares, 1,406 shares issued and 871 and 887 shares outstanding, respectively

— —

Class B common stock, $0.0001 par value; authorized 1,200 shares, 7 shares issued and outstanding

— —

Additional paid-in-capital 7,070 6,907

Class A treasury stock, at cost, 536 and 518 shares, respectively

(92,226) (83,224)

Retained earnings 91,771 85,035

Accumulated other comprehensive income (loss) (1,004) (981)

Mastercard Incorporated Stockholders' Equity 5,611 7,737

Non-controlling interests (5) 9

Total Equity 5,606 7,746

Total Liabilities and Equity $ 57,691 $ 54,157

Consolidated Statements of Cash Flows (Unaudited)

Six Months Ended June 30,

2026 2025

(in millions)

Operating Activities

Net income $ 8,270 $ 6,981

Adjustments to reconcile net income to net cash provided by operating activities:

Amortization of customer incentives 1,310 993

Depreciation and amortization 608 556

(Gains) losses on equity investments, net 68 25

Share-based compensation 326 308

Deferred income taxes 110 81

Other 84 60

Changes in operating assets and liabilities:

Accounts receivable (448) (217)

Settlement assets (745) (590)

Prepaid expenses (3,835) (2,238)

Accrued litigation and legal settlements (504) 81

Restricted security deposits held for customers 90 125

Accounts payable 124 (168)

Settlement obligations 750 356

Accrued expenses 788 (203)

Net change in other assets and liabilities (224) 833

Net cash provided by operating activities 6,772 6,983

Investing Activities

Purchases of investment securities available-for-sale (134) (247)

Purchases of investments held-to-maturity — (22)

Proceeds from sales of investment securities available-for-sale 32 126

Proceeds from maturities of investment securities available-for-sale 89 125

Proceeds from maturities of investments held-to-maturity 13 27

Purchases of property and equipment (445) (199)

Capitalized software (368) (367)

Other investing activities (66) (10)

Net cash used in investing activities (879) (567)

Financing Activities

Purchases of treasury stock (8,933) (4,838)

Dividends paid (1,548) (1,385)

Proceeds from debt, net of discounts

5,596 1,242

Payment of debt — (750)

Proceeds from (payment of) debt, maturities of 90 days or less, net 84 —

Tax withholdings related to share-based payments (204) (279)

Cash proceeds from employee stock plans 73 117

Other financing activities (108) (100)

Net cash used in financing activities (5,040) (5,993)

Effect of exchange rate changes on cash, cash equivalents, restricted cash and restricted cash equivalents (126) 341

Net increase (decrease) in cash, cash equivalents, restricted cash and restricted cash equivalents 727 764

Cash, cash equivalents, restricted cash and restricted cash equivalents - beginning of period 13,248 10,808

Cash, cash equivalents, restricted cash and restricted cash equivalents - end of period $ 13,975 $ 11,572

Non-GAAP Financial Information

Non-GAAP financial information is defined as a numerical measure of a company’s performance that excludes or includes amounts so as to be different than the most comparable measure calculated and presented in accordance with accounting principles generally accepted in the United States (“GAAP”). Mastercard discloses the following non-GAAP financial measures: adjusted operating expenses, adjusted operating margin, adjusted other income (expense), adjusted effective income tax rate, adjusted net income and adjusted diluted earnings per share (as well as related applicable growth rates versus the comparable period in the prior year). As described more fully below, these non-GAAP financial measures exclude (where applicable) the impact of gains and losses on the company’s equity investments, which includes mark-to-market fair value adjustments, impairments and gains and losses upon disposition, as well as the related tax impacts. These non-GAAP financial measures also exclude (where applicable) the impact of special items, which represent litigation judgments and settlements and/or certain one-time items, as well as the related tax impacts.

In addition, the company presents growth rates adjusted for the impact of currency, which is a non-GAAP financial measure. Currency-neutral growth rates are calculated by remeasuring the prior period’s results using the current period’s exchange rates for both the translational and transactional impacts on operating results. The impact of currency translation represents the effect of translating operating results where the functional currency is different from the company’s U.S. dollar reporting currency. The impact of the transactional currency represents the effect of converting revenue and expenses occurring in a currency other than the functional currency of the entity. The impact of the related realized gains and losses resulting from the company’s foreign exchange derivative contracts designated as cash flow hedging instruments (specifically those that manage the impact of foreign currency variability on anticipated revenues and expenses) is recognized in the respective financial statement line item on the statements of operations when the underlying forecasted transactions impact earnings. The translational and transactional impact of currency and the related impact of the company’s foreign exchange derivative contracts designated as cash flow hedging instruments as specified above have been excluded from the company’s currency-neutral growth rates.

The company believes that the non-GAAP financial measures presented facilitate an understanding of operating performance and provide a meaningful comparison of its results between periods. The company’s management uses non-GAAP financial measures to evaluate its ongoing operations in relation to historical results, for internal planning and forecasting purposes and in the calculation of performance-based compensation, among other things. The company excluded these items because management evaluates the underlying operations and performance of the company separately from these recurring and nonrecurring items. The presentation of non-GAAP financial measures should not be relied upon as substitutes for the company’s measures calculated in accordance with GAAP.

The company includes reconciliations of the requisite non-GAAP financial measures to the most directly comparable GAAP financial measures in the non-GAAP reconciliation tables below.

Non-GAAP Reconciliations (Quarter-to-date)

Three Months Ended June 30, 2026

Operating expenses Operating margin Other income (expense) Effective income tax rate Net income Diluted earnings per share

($ in millions, except per share data)

Reported - GAAP $ 3,690 60.2 % $ (101) 20.0 % $ 4,388 $ 4.97

(Gains) losses on equity investments 1

** ** 2 (0.1) % 5 0.01

Litigation provisions 2

(82) 0.9 % ** 0.1 % 59 0.07

Adjusted - Non-GAAP $ 3,608 61.1 % $ (100) 20.0 % $ 4,453 $ 5.04

Three Months Ended June 30, 2025

Operating expenses Operating margin Other income (expense) Effective income tax rate Net income Diluted earnings per share

($ in millions, except per share data)

Reported - GAAP $ 3,356 58.7 % $ (105) 20.8 % $ 3,701 $ 4.07

(Gains) losses on equity investments 1

** ** (4) 0.1 % (5) (0.01)

Litigation provisions 3

(96) 1.2 % ** 0.1 % 73 0.08

Adjusted - Non-GAAP $ 3,260 59.9 % $ (109) 20.9 % $ 3,769 $ 4.15

Three Months Ended June 30, 2026 as compared to the Three Months Ended June 30, 2025

Increase/(Decrease)

Operating expenses Operating margin Effective income tax rate Net income Diluted earnings per share

Reported - GAAP 10 % 1.5 ppt (0.8) ppt 19 % 22 %

(Gains) losses on equity investments 1

** ** (0.1) ppt — % — %

Litigation provisions 2,3

1 % (0.3) ppt 0.1 ppt (1) % (1) %

Adjusted - Non-GAAP 11 % 1.2 ppt (0.8) ppt 18 % 21 %

Currency impact 4

(1) % (0.4) ppt (0.1) ppt (3) % (3) %

Adjusted - Non-GAAP - currency-neutral 10 % 0.8 ppt (0.9) ppt 16 % 19 %

Note: Tables may not sum due to rounding.

** Not applicable

Gains and Losses on Equity Investments

1.Represents Q2'26 net pre-tax loss of $2 million and Q2’25 net pre-tax gain of $4 million primarily related to unrealized fair market value adjustments on marketable and nonmarketable equity securities.

Second Quarter Special Items

2.Represents Q2'26 pre-tax charges of $82 million, which includes a legal provision associated with the ATM non-discrimination rule surcharge complaints, a change in estimate related to the claims of merchants who opted out of the U.S. merchant class litigation and provisions associated with various other legal matters.

3.Represents Q2'25 pre-tax charges of $96 million primarily due to a legal provision associated with the ATM non-discrimination rule surcharge complaints.

Other Notes

4.Represents the translational and transactional impact of currency and the related impact of our foreign exchange derivative contracts designated as cash flow hedging instruments (specifically those that manage the impact of foreign currency variability on anticipated revenues and expenses).

Non-GAAP Reconciliations (Year-to-date)

Six Months Ended June 30, 2026

Operating expenses Operating margin Other income (expense) Effective income tax rate Net income Diluted earnings per share

($ in millions, except per share data)

Reported - GAAP $ 7,181 59.4 % $ (196) 19.7 % $ 8,270 $ 9.32

(Gains) losses on equity investments 1

** ** 68 (0.1) % 69 0.08

Litigation provisions 2

(82) 0.5 % ** 0.1 % 59 0.07

Restructuring charge 3

(202) 1.1 % ** — % 158 0.18

Adjusted - Non-GAAP $ 6,897 61.0 % $ (128) 19.7 % $ 8,556 $ 9.64

Six Months Ended June 30, 2025

Operating expenses Operating margin Other income (expense) Effective income tax rate Net income Diluted earnings per share

($ in millions, except per share data)

Reported - GAAP $ 6,457 58.0 % $ (223) 19.8 % $ 6,981 $ 7.66

(Gains) losses on equity investments 1

** ** 25 — % 19 0.02

Litigation provisions 4

(247) 1.6 % ** 0.3 % 174 0.19

Adjusted - Non-GAAP $ 6,210 59.6 % $ (198) 20.1 % $ 7,175 $ 7.87

Six Months Ended June 30, 2026 as compared to the Six Months Ended June 30, 2025

Increase/(Decrease)

Operating expenses Operating margin Effective income tax rate Net income Diluted earnings per share

Reported - GAAP 11 % 1.3 ppt (0.1) ppt 18 % 22 %

(Gains) losses on equity investments 1

** ** (0.1) ppt 1 % 1 %

Litigation provisions 2, 4

3 % (1.1) ppt (0.2) ppt (2) % (2) %

Restructuring charge 3

(3) % 1.1 ppt — ppt 2 % 2 %

Adjusted - Non-GAAP 11 % 1.3 ppt (0.4) ppt 19 % 22 %

Currency impact 5

(2) % (0.4) ppt (0.1) ppt (4) % (4) %

Adjusted - Non-GAAP - currency-neutral 9 % 0.9 ppt (0.4) ppt 15 % 18 %

Note: Tables may not sum due to rounding.

** Not applicable

Gains and Losses on Equity Investments

1.Represents year-to-date 2026 and 2025 net pre-tax losses of $68 million and $25 million, respectively, primarily related to unrealized fair market value adjustments on marketable and nonmarketable equity securities.

Year-to-date Special Items

2.Represents year-to-date 2026 pre-tax charges of $82 million which includes a legal provision associated with the ATM non-discrimination rule surcharge complaints, a change in estimate related to the claims of merchants who opted out of the U.S. merchant class litigation and provisions associated with various other legal matters.

3.Represents year-to-date 2026 pre-tax charge of $202 million as a result of a restructuring action primarily intended to enable reinvestment to support the realization of our long-term growth opportunities.

4.Represents year-to-date 2025 pre-tax charges of $247 million primarily as a result of a change in estimate related to the claims of merchants who opted out of the U.S. merchant class litigation and a legal provision associated with the ATM non-discrimination rule surcharge complaints.

Other Notes

5.Represents the translational and transactional impact of currency and the related impact of the company’s foreign exchange derivative contracts designated as cash flow hedging instruments (specifically those that manage the impact of foreign currency variability on anticipated revenues and expenses).

Mastercard Incorporated Operating Performance

Three Months Ended June 30, 2026

GDV (Bil.) Growth (USD) Growth (Local) Purchase Volume (Bil.) Growth (Local) Purchase Trans. (Mil.) Purchase Trans. Growth Cash Volume (Bil.) Growth (Local) Cash Trans. (Mil.) Cards (Mil.)

All Mastercard Credit, Charge and Debit Programs

APMEA $ 654 8.1 % 8.4 % $ 508 10.9 % 13,813 11.2 % $ 146 0.5 % 1,342 1,052

Canada 76 8.1 % 8.1 % 74 8.2 % 1,242 8.0 % 2 2.3 % 7 98

Europe 1,025 9.6 % 8.5 % 838 10.5 % 21,998 8.5 % 186 0.5 % 874 986

Latin America 269 24.4 % 13.9 % 203 16.9 % 8,250 16.8 % 66 5.6 % 420 588

Worldwide less United States 2,024 10.8 % 9.1 % 1,623 11.3 % 45,304 10.7 % 400 1.3 % 2,643 2,725

United States 858 5.5 % 5.5 % 794 6.5 % 11,792 3.5 % 64 (5.0) % 274 739

Worldwide 2,881 9.2 % 8.0 % 2,417 9.6 % 57,096 9.2 % 464 0.4 % 2,917 3,463

Mastercard Credit and Charge Programs

Worldwide less United States 874 9.5 % 8.5 % 834 8.8 % 18,420 7.2 % 39 1.8 % 143 841

United States 458 9.5 % 9.5 % 446 9.7 % 4,721 8.7 % 12 3.1 % 10 365

Worldwide 1,331 9.5 % 8.8 % 1,280 9.1 % 23,140 7.5 % 51 2.1 % 154 1,206

Mastercard Debit Programs

Worldwide less United States 1,150 11.8 % 9.6 % 789 13.9 % 26,884 13.3 % 361 1.3 % 2,499 1,884

United States 400 1.3 % 1.3 % 348 2.6 % 7,071 0.3 % 53 (6.7) % 263 373

Worldwide 1,550 8.9 % 7.3 % 1,137 10.2 % 33,955 10.3 % 413 0.2 % 2,763 2,257

Six Months Ended June 30, 2026

GDV (Bil.) Growth (USD) Growth (Local) Purchase Volume (Bil.) Growth (Local) Purchase Trans. (Mil.) Purchase Trans. Growth Cash Volume (Bil.) Growth (Local) Cash Trans. (Mil.) Cards (Mil.)

All Mastercard Credit, Charge and Debit Programs

APMEA $ 1,299 8.5 % 7.3 % $ 1,003 10.0 % 26,733 11.0 % $ 296 (0.7) % 2,698 1,052

Canada 143 10.0 % 7.7 % 139 7.8 % 2,342 8.1 % 4 2.4 % 14 98

Europe 1,968 13.0 % 8.8 % 1,609 10.8 % 41,699 8.1 % 359 0.7 % 1,682 986

Latin America 521 24.4 % 13.8 % 390 16.5 % 16,023 16.1 % 130 6.3 % 827 588

Worldwide less United States 3,931 12.7 % 8.9 % 3,141 11.1 % 86,796 10.4 % 790 1.0 % 5,221 2,725

United States 1,653 4.9 % 4.9 % 1,526 5.8 % 22,631 3.3 % 126 (4.4) % 533 739

Worldwide 5,584 10.3 % 7.7 % 4,668 9.3 % 109,427 8.9 % 916 0.2 % 5,755 3,463

Mastercard Credit and Charge Programs

Worldwide less United States 1,704 11.5 % 8.8 % 1,626 9.2 % 35,658 7.2 % 78 1.6 % 281 841

United States 874 8.7 % 8.7 % 851 8.9 % 8,957 8.2 % 23 2.4 % 19 365

Worldwide 2,578 10.5 % 8.8 % 2,478 9.1 % 44,615 7.4 % 101 1.8 % 300 1,206

Mastercard Debit Programs

Worldwide less United States 2,227 13.7 % 9.0 % 1,515 13.2 % 51,137 12.8 % 712 1.0 % 4,940 1,884

United States 778 0.9 % 0.9 % 675 2.0 % 13,675 0.3 % 104 (5.8) % 514 373

Worldwide 3,006 10.1 % 6.8 % 2,190 9.5 % 64,812 9.9 % 815 — % 5,455 2,257

APMEA = Asia Pacific / Middle East / Africa

Note that effective Q2 2026, operating performance in the preceding tables includes Venezuela cross-border activity, as applicable.

Figures in the preceding tables may not sum due to rounding; growth represents change from the comparable year ago period.

Mastercard Incorporated Operating Performance

Three Months Ended June 30, 2025

GDV (Bil.) Growth (USD) Growth (Local) Purchase Volume (Bil.) Growth (Local) Purchase Trans. (Mil.) Purchase Trans. Growth Cash Volume (Bil.) Growth (Local) Cash Trans. (Mil.) Cards (Mil.)

All Mastercard Credit, Charge and Debit Programs

APMEA $ 605 4.7 % 4.4 % $ 458 6.2 % 12,423 9.7 % $ 147 (1.0) % 1,428 990

Canada 70 3.9 % 5.1 % 68 5.2 % 1,151 7.3 % 2 0.8 % 7 92

Europe 935 16.9 % 13.3 % 751 15.1 % 20,268 10.9 % 184 6.6 % 955 938

Latin America 216 7.6 % 17.4 % 159 19.1 % 7,066 13.9 % 57 13.1 % 430 506

Worldwide less United States 1,826 11.0 % 10.3 % 1,436 12.1 % 40,908 10.9 % 390 4.4 % 2,819 2,526

United States 813 6.3 % 6.3 % 746 6.6 % 11,390 6.3 % 68 3.5 % 296 705

Worldwide 2,640 9.5 % 9.1 % 2,182 10.1 % 52,297 9.9 % 457 4.3 % 3,115 3,230

Mastercard Credit and Charge Programs

Worldwide less United States 798 8.2 % 8.9 % 759 9.2 % 17,180 7.9 % 39 4.2 % 153 822

United States 418 6.1 % 6.1 % 407 6.1 % 4,342 6.3 % 11 6.8 % 9 342

Worldwide 1,216 7.5 % 7.9 % 1,166 8.1 % 21,522 7.6 % 50 4.8 % 162 1,164

Mastercard Debit Programs

Worldwide less United States 1,029 13.2 % 11.4 % 677 15.4 % 23,728 13.2 % 351 4.4 % 2,666 1,704

United States 395 6.6 % 6.6 % 339 7.2 % 7,048 6.3 % 56 2.8 % 287 363

Worldwide 1,424 11.2 % 10.0 % 1,016 12.6 % 30,775 11.5 % 408 4.2 % 2,953 2,067

Six Months Ended June 30, 2025

GDV (Bil.) Growth (USD) Growth (Local) Purchase Volume (Bil.) Growth (Local) Purchase Trans. (Mil.) Purchase Trans. Growth Cash Volume (Bil.) Growth (Local) Cash Trans. (Mil.) Cards (Mil.)

All Mastercard Credit, Charge and Debit Programs

APMEA $ 1,197 3.9 % 5.7 % $ 900 7.0 % 24,076 9.3 % $ 298 1.9 % 2,882 990

Canada 130 1.1 % 4.8 % 127 4.9 % 2,167 6.5 % 4 1.5 % 13 92

Europe 1,741 12.9 % 13.1 % 1,397 14.9 % 38,560 10.5 % 344 6.4 % 1,843 938

Latin America 418 3.1 % 15.4 % 307 19.0 % 13,806 13.3 % 111 6.3 % 849 506

Worldwide less United States 3,488 8.0 % 10.4 % 2,730 12.1 % 78,608 10.5 % 757 4.6 % 5,587 2,526

United States 1,575 6.6 % 6.6 % 1,443 6.7 % 21,910 6.3 % 132 5.2 % 573 705

Worldwide 5,063 7.6 % 9.2 % 4,174 10.2 % 100,518 9.6 % 889 4.7 % 6,161 3,230

Mastercard Credit and Charge Programs

Worldwide less United States 1,529 5.4 % 8.8 % 1,453 9.2 % 33,254 7.7 % 75 1.9 % 300 822

United States 804 6.0 % 6.0 % 782 6.0 % 8,278 5.9 % 22 7.4 % 17 342

Worldwide 2,333 5.6 % 7.8 % 2,235 8.0 % 41,532 7.3 % 98 3.1 % 317 1,164

Mastercard Debit Programs

Worldwide less United States 1,959 10.1 % 11.6 % 1,277 15.6 % 45,354 12.7 % 682 4.9 % 5,287 1,704

United States 771 7.2 % 7.2 % 662 7.7 % 13,632 6.6 % 110 4.8 % 556 363

Worldwide 2,730 9.3 % 10.4 % 1,938 12.8 % 58,986 11.2 % 792 4.8 % 5,844 2,067

APMEA = Asia Pacific / Middle East / Africa

Note that effective Q2 2026, operating performance in the preceding tables include Venezuela cross-border activity, as applicable.

Figures in the preceding tables may not sum due to rounding; growth represents change from the comparable year ago period.

Footnote

The tables set forth the gross dollar volume (“GDV”), purchase volume, cash volume and the number of purchase transactions, cash transactions and cards on a regional and global basis for Mastercard™-branded cards. Growth rates over prior periods are provided for volume-based data.

Debit transactions on Maestro® and Cirrus®-branded cards and transactions involving brands other than Mastercard are not included in the preceding tables.

For purposes of the table: GDV represents purchase volume plus cash volume and includes the impact of balance transfers and convenience checks; “purchase volume” means the aggregate dollar amount of purchases made with Mastercard-branded cards for the relevant period; and “cash volume” means the aggregate dollar amount of cash disbursements and includes the impact of balance transfers and convenience checks obtained with Mastercard-branded cards for the relevant period. The number of cards includes virtual cards, which are Mastercard-branded payment accounts that do not generally have physical cards associated with them.

The Mastercard payment products are comprised of credit, charge, debit and prepaid programs, and data relating to each type of program is included in the tables. The tables include information with respect to transactions involving Mastercard-branded cards that are not switched by Mastercard and transactions for which Mastercard does not earn significant revenues.

Information denominated in U.S. dollars is calculated by applying an established U.S. dollar/local currency exchange rate for each local currency in which Mastercard volumes are reported. These exchange rates are calculated on a quarterly basis using the average exchange rate for each quarter. Mastercard reports period-over-period rates of change in purchase volume and cash volume on the basis of local currency information, in order to eliminate the impact of changes in the value of currencies against the U.S. dollar in calculating such rates of change.

The data set forth in the GDV, purchase volume, purchase transactions, cash volume and cash transactions columns is provided by Mastercard customers and is subject to verification by Mastercard and partial cross-checking against information provided by Mastercard’s transaction switching systems. The data set forth in the cards columns is provided by Mastercard customers and is subject to certain limited verification by Mastercard. A portion of the data set forth in the cards columns reflects the impact of routine portfolio changes among customers and other practices that may lead to over counting of the underlying data in certain circumstances. All data is subject to revision and amendment by Mastercard or Mastercard’s customers.

Performance information for prior periods can be found in the Investor Relations section of the Mastercard website at investor.mastercard.com.

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