Offer Brief · offer evaluatorCareer IntelligenceFiled · Sep 14, 2026 · Confidential

Subject company

Mastercard Incorporated

Senior Manager, Risk & Analytics · M2 / Band E · O'Fallon, MO

Take the offer seriously and negotiate from strength on equity and scope. Base looks strong against this proxy; confirm it against a role-specific survey before deciding what to ask on that lever.

Mastercard Incorporated: Strong operating fundamentals — Rule of 40 score of 54.7, headline package of $235,000 (base plus equity plus signing) at 2.4× the base-cash median.

Base

$165K

Equity grant

$55K

Vest

4 yr · cliff 1

Offer vesting schedule

Market band · DOL H-1B / LCA

Data Scientists · Level III · Missouri

This offer’s base sits at the 98th percentile — above nearly every certified filing in this band.

Federal proxy bucketthe closest federal wage bucket for this title, not a role-specific survey — read the placement as context, not as proof of where the offer sits

P25

$94K$93,725

Median

$100K$100,000

P75

$110K$110,000

P90

$150K$150,009

Your base: $165,000 · $55,000 above the P75 mark — this band is a floor under you, not a ceiling

Source: DOL OFLC LCA disclosure data · n=42 certified filings · base cash only (excludes equity and bonus). Use as a citable market floor, not total compensation.

Title matched to "Data Scientists" — the closest federal wage bucket for this role, not a role-specific survey. A more specific role title tightens the band.

The return on this brief

$16K / yr recurring

$13K one-time

The negotiation room this brief is built to unlock — typically many multiples of its price. The lever-by-lever play is in the negotiation playbook below.

Solid

company trajectory · low confidence

One number that matters

$674K

5-year expected total comp (probability-weighted NPV)

bear

$648K

base

$668K

bull

$711K

What moves this number

Nominal (undiscounted) 5-year total under the base scenario: $876,667
Discount rate applied to every year: 10%
Annual target bonus: NOT PROVIDED at intake — every year below is base (plus signing and vesting equity) alone. No bonus was assumed.
Vesting over 3 years with 1-year cliff
Bear equity multiple: 0.3x
Base equity multiple: 1.0x
Bull equity multiple: 2.5x
Exit probabilities: bear 25%, base 50%, bull 25%

01 · Executive decision

What to do next

Start here. This section compresses the brief into the decision, the strongest reasons behind it, and the risks that deserve verification before you sign.

Why the verdict landed here

Base $165,000 sits at the 98th percentile of the base-cash market band (median $100,000).
That band is the closest federal wage bucket for this title, not a role-specific survey — it is read as CONTEXT, not as proof the offer is above market.
Company operating quality is strong (Rule of 40: 54.7).
Base sits at the 98th percentile of the closest federal wage bucket for this title for Missouri (n=42) — context for the decision, not a role-specific survey.

What to verify before signing

Sustained insider selling pattern detected.

Score components

Org health · 36%75

Leadership · 21%87

no SEC graph — neutral prior

Strategy · 21%70

Alumni · 0%55

not weighted in this composite — no evidence to score it

Promotion · 0%55

not weighted in this composite — no evidence to score it

Skills · 14%55

no skills signal — neutral prior

Red flags · 7%43

Bar color: strong (65+) · moderate (45–64) · weak (<45)

Higher is healthier on every bar — including Red flags, where a high score means few were raised

55% of the design weighting is not evidence-backed — 30% was renormalized out of the composite entirely and 25% is still weighted but scored on a neutral prior. The percentages above are the weights this score was actually computed with.

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The decision rule

Accept-leaning

Derived from this brief’s own numbers — the band placement, company operating quality, and role exposure — not model judgment. The same rule fixes the verdict above.

Accept when

Base appears strong against the closest federal wage proxy — confirm against a role-specific survey before negotiating base.
The equity-weighted package (base plus equity plus signing) stays ≥ 1.5× the base-cash median (currently 2.4×).

Negotiate when

The band is a proxy for this title, not a survey of it — if a role-specific source puts this job higher, one calibrated base ask is still on the table.
Equity is the swing factor — confirm the refresh policy and vest mechanics before relying on the headline number.

Walk away when

Verification surfaces a dealbreaker (the verification questions in the negotiation playbook) — scope, level, or team stability materially worse than represented.

Where people from here go next

Alumni outcomes require optional user-contributed career data and confidence thresholds.

02 · Offer economics

What the offer is really worth

This translates the package into realized value, equity risk, market benchmarks, and concrete negotiation room.

Headline package

$235K

base plus equity plus signing

After cliff year 1

$217K

Equity scenario spread

42%

Negotiation room

Base 8% / equity 15%

Market consensus

A compact read on whether public-market expectations support the equity story behind the offer.

Median target

$670

DCF fair value

$521

Revenue est. · FY2026

$37.3B

Total comp at three valuations

Your $165,000 base sits at the 98th percentile of the closest federal wage bucket for this title (DOL H-1B/LCA Missouri, median $100,000, n=42) — that band maps to 'Data Scientists,' not a role-specific Risk & Analytics manager survey, so treat it as directional context rather than proof of ceiling, and confirm against a role-specific benchmark before deciding how hard to press base. The stronger negotiation surface is equity: the $55,000 RSU grant on a 3-year vest is modest relative to Mastercard's demonstrated equity-heavy comp philosophy at senior levels, the analyst consensus price target of $670 (median) implies meaningful upside from the current $574.795, and the equity scenario range runs from $49,853 (bear, at DCF fair value of $521.00) to $70,808 (bull, at $740) — ask specifically about refresh cadence, vesting cliff structure, and whether a larger initial grant is available at Band E, since those are the levers most likely to move at this level. Equity scenarios use rsu linear and show 42% spread across available public valuation anchors.

Evidence confidence: high

Highest leverage asks

Equity upside tied to analyst consensus gap: Your $55,000 RSU grant is priced against a stock trading at $574.795 — a 10.5% discount to the analyst consensus median target of $670 and a 28.7% discount to the high target of $740. Under the base equity scenario, the grant projects to $64,110 at the consensus median; under the bull scenario, $70,808 at $740. That $15,808 spread between base and bull is a concrete number to put in front of the recruiter when asking whether the initial grant size reflects where the business is heading, not where the stock sits today.

Evidence confidence: medium

FCF engine supports a larger equity ask: Mastercard's FCF margin stands at 40.7% — the 'F' in a composite growth-plus-FCF score of 54.7 (measured over the 12 months from 2025-06-30 to 2026-06-30 plus the FCF margin for the period ending 2026-06-30; the 40 threshold is a SaaS convention and Mastercard is not SaaS, so treat this as a composite of growth and margin, not a pass/fail). Revenue grew 14.1% over the same twelve-month window, and value-added services — the segment most directly adjacent to a Risk & Analytics mandate — grew 18% in Q2 2026. A business generating free cash flow at that rate has room to grant equity above the initial offer; ask whether the Band E equity range has a ceiling and where your grant sits within it.

Evidence confidence: medium

Signing bonus is thin relative to equity risk: The $15,000 signing bonus is the smallest component of your $235,000 headline package (base plus equity plus signing). Because the equity vests over three years and the cliff, clawback, and repayment terms were not disclosed in your offer, you carry real forfeiture risk in year one that the signing bonus does not offset. Ask what the cliff schedule looks like and whether the signing figure was sized to cover any unvested equity or deferred compensation you are leaving behind — if it was not, a higher signing number is the cleanest ask that does not touch base or the RSU grant structure.

Evidence confidence: medium

Executive compensation context

FY2025 DEF 14A shows Mastercard's six named executive officers received total compensation ranging from $8.2M (Edward McLaughlin, President and CTO) to $35.4M (CEO Michael Miebach), with stock awards and option awards comprising the dominant share of each package — Miebach's $20.7M stock award alone is roughly 377× your $55,000 RSU grant, which is expected at the distance between an M2/Band E seat and the C-suite, but it anchors the equity culture: Mastercard pays its senior leadership heavily in long-dated equity, which makes the refresh cadence question at your level worth pressing.

From proxy-statement compensation records.

Insider exercise pattern

In the trailing 90 days, 6 distinct insiders executed 18 open-market sell trades totaling 111,341 shares (~$62.14M) with zero open-market buy trades — a sustained selling pattern at high conviction, per the signal classification. 6 named insiders appear in the materialized signals: Sachin Mehra (now Chief Business Officer following his August 3, 2026 transition from CFO) and Linda Kirkpatrick (now Chief Services Officer) each show sell activity flagged as sustained or opportunistic; both recently received promotions, so some selling likely reflects post-promotion portfolio rebalancing rather than a directional view on the stock, but the absence of any buy-side activity across all 6 sellers in this 90-day window is worth noting as you think about how much of your own compensation you want concentrated in MA equity.

Pattern read derived from Form 4 filing data.

Comp waterfall

What it shows

Headline package versus the modeled value after the first vesting cliff.

Why it matters

It separates advertised compensation from what is actually exposed to vesting timing.

How to use it

Anchor negotiation around the gap between headline value and first-year realized value.

Equity scenarios

bear

$50K

base

$64K

bull

$71K

Cliff risk: leave before the first vesting cliff and realized equity is $0 — the bear case is not the floor. Weigh signing cash accordingly.

What it shows

Bear, base, and bull public-market anchors for the equity grant.

Why it matters

RSU value is not fixed. A strong offer can still carry material downside if the stock resets.

How to use it

Ask for equity refresh protection, a higher grant, or signing cash if downside exposure is high.

External comp benchmarks

Directional public-market anchors — not company-specific exec comp or your offer.

DOL H-1B / LCA · state + level

Missouri · n=42 · offer at 98th pctFederal proxy bucket

P10: $93,725
P25: $93,725
Median: $100,000
P75: $110,000
P90: $150,009

Base cash only (year) — excludes equity and bonus.

Title matched to "Data Scientists" — the closest federal wage bucket for this role, not a role-specific survey. A more specific role title tightens the band.

BLS OEWS floor — Data Scientists, Missouri (state OEWS) (2025): median $97,090. Government survey median; a conservative floor, not the role-and-metro market the band above reflects.

Peer tickers are selected from public market data and filings — use as directional context, not a compensation survey.

Not available for this run: next earnings date. Every stream we checked — rendered, held, or absent — is itemized in the appendix coverage matrix.

Mastercard — family of filing entities

Mastercard sponsors through 2 matched filing entities — a petition is filed by one of them, not by the brand. The aggregate record below spans the whole family; each entity’s own record follows.

Sponsorship posture · federal petition outcomes

Maintaining — renewals continue; new sponsored hiring is roughly steady. Denial rate across the window: 0.5%. Still actively attesting: 70 certified LCA filings in FY2026 — the freshest read on sponsorship intent, ahead of the slower petition record. Where the two disagree, weight the filings — they are roughly two fiscal years fresher than the outcomes above.

FY2020: 46 new · 236 renewalsFY2021: 80 new · 278 renewalsFY2022: 60 new · 665 renewalsFY2023 (prelim.): 2 new · 284 renewals

Petition approvals from the federal record — counts of approvals, not people; one person can hold multiple petitions across years. LCA filings are attestations, not hires. A fiscal year marked “prelim.” is still being published by USCIS and is left out of the trend. Read the trend, not the absolute size.

By filing entity

Entity	Posture	New petition approvals	Denial rate
Mastercard International	Maintaining	187	0.5%
Other Mastercard entities	Minimal	1	0%

Entities are separate legal filers with genuinely different records — an offer letter names your filing entity, and that row is the one that applies to you. Petition counts, not people.

Benefits · DOL Form 5500

No plan filing matched this employer in the DOL Form 5500 data we hold (exact-employer match). This is a gap in the federal record we searched — not a statement about the benefits this employer offers.

03 · Company quality

Whether the company can support the promise

This is the company-health read behind the offer: growth quality, operating discipline, market risk, and whether the financial base supports the compensation ask.

Rule of 40

54.7

Revenue growth

14.1%

Gross margin

100%

Revenue / employee

$881K

Trailing twelve months ÷ latest reported headcount.

Revenue mix

Payment Network

59.4%

Value-Added Services And Solutions

40.6%

Latest reported segmentation, FY2025 · USD.

Where geographic revenue comes from

International Markets

57.2%

Americas

42.8%

Latest reported segmentation, FY2025 · USD.

Financial score read

Quality label

Healthy

Altman Z

9.9

Piotroski

Scores are treated as a screening signal only; they support, not replace, the operating metrics above.

Recent events that change the read

Stock News · Sep 14, 2026

KEO Capital Announces Strategic Partnership with Mastercard to Expand Cross-Border Card Program

Stock News · Sep 14, 2026

Mastercard Is A Better Buy Than Visa Right Now

Stock News · Sep 10, 2026

Mastercard Incorporated (MA) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript

Source feeds are filtered to a short materiality read; the brief avoids raw news-feed dumps.

Strategic coherence

70/100

Strong

This connects transcript strategy, operating metrics, and offer timing. A coherent company story strengthens equity confidence; drift or mixed messaging shifts emphasis toward cash certainty and explicit role scope.

Growth quality

Mastercard posted 14.1% year-over-year revenue growth (measured June 2025 to June 2026) against a peer-group median of 14.4% across 7 Financial - Credit Services peers, with Q2 FY2026 net revenue of $9.277B representing a 14% YoY gain — guidance was reaffirmed at the high end of low double-digit currency-neutral growth for the full year. The composite of that growth rate and a 40.7% FCF margin produces a Rule of 40 score of 54.7 (a mixed-window figure: revenue growth over the 12 months to June 2026 plus FCF margin for the period ending June 2026; the 40 threshold is a SaaS convention and Mastercard is not SaaS, so treat this as a composite of growth and margin quality, not a pass/fail screen). The stock has returned -2.4% over the trailing twelve months against an analyst consensus price target median of $670 versus the current $574.80, and in the trailing 90 days, 6 distinct insiders executed 18 open-market sell trades totaling approximately 111,341 shares (~$62.14M) with zero open-market buys — a pattern worth monitoring but not unusual at this price level for a company with annualized volatility of 22.5% and a max drawdown of -21.2%.

Evidence confidence: medium

Rule of 40

Rule of 40 score 55 — revenue growth 14.1% plus FCF margin 40.7%.

Evidence confidence: high

Stock volatility and drawdown

Annualized volatility 22.5%; max 12-month drawdown -21.2%; current drawdown -4.2%.

Evidence confidence: high

Strategic coherence

Strategic coherence: 70/100 (Strong). The strategic narrative shows a consistent focus on key themes such as Agentic Commerce and Value-Added Services, with some variation in emphasis across quarters. The company is adapting to market conditions while maintaining a clear strategic direction.

Evidence confidence: high

Consistent themes across quarters: Agentic Commerce, Value-Added Services, Geopolitical Uncertainty.

Evidence confidence: high

Themes that vanished without resolution: Focus and Execution, Diversification.

Evidence confidence: medium

Disappeared themes may indicate strategic pivot or de-prioritization.

Newly appeared themes: Innovation and Agility, Global Reach, Technology Investment, Digitization of Payments, Security Solutions.

Evidence confidence: medium

The strategic coherence suggests a stable environment for career growth, particularly in areas related to digital innovation and security.

Evidence confidence: high

Influence & federal exposure (LDA/SOPR · USAspending)

Reported lobbying spend of $0.55M across 28 LDA/SOPR filings (24 months). Primary issue codes: BAN (16), TAX (11), CSP (8), FIN (6), TRD (6).

In their own words

Verbatim from the latest earnings call — management’s stated risks and investment priorities, unedited.

“At the same time, we continue to monitor geopolitical uncertainty and its potential economic impacts...”

Stated risk · Geopolitical Uncertainty

“We continue to monitor geopolitical tensions and related energy prices, along with critical economic data like unemployment, inflation and so on...”

Stated risk · Economic Conditions

“Our value-added services and solutions growth engine is strong and durable...”

Investment priority · Value-Added Services

“We have gone much deeper than other market participants on the cyber side...”

Investment priority · Cybersecurity

Rule of 40

54.8Rule of 40 · adapted screen

Healthy · ≥ 40

040 line80

Revenue growth

+14.1%

FCF margin

+40.7%

Growth plus margin clears the 40 line — the company is growing with discipline, not buying growth with weak margins. That strengthens the case for equity.

Adapted screen: the growth-plus-margin composite reads across sectors, but the 40 threshold was set for software. Read the two components and the trend, not the pass/fail.

What it shows

Revenue growth and free-cash-flow margin combined into an operating-quality score.

Why it matters

It gives a quick read on whether growth is disciplined or being bought with weak margins.

How to use it

Use a strong score as support for a stronger equity or refresh ask.

Cash runway

Profitable or cash-generating — runway gauge not applicable

What it shows

How many quarters of cash coverage the company appears to have.

Why it matters

Cash stress changes negotiation posture and role risk.

How to use it

If runway is thin, prefer cash/signing certainty over back-loaded equity.

Revenue per employee

TTM$881K

What it shows

Trailing-twelve-month revenue divided by the latest reported headcount.

Why it matters

High productivity supports premium compensation; weak productivity can foreshadow cost pressure.

How to use it

Use strong productivity as support for a strategic-hire compensation argument.

Analyst targets versus price

What it shows

Current price against low, median, and high analyst target anchors.

Why it matters

It frames whether the market already prices in most of the upside.

How to use it

Use wide dispersion as a reason to derisk vesting or ask for more shares.

Market cap trend

What it shows

Recent company valuation trend from public market data.

Why it matters

It contextualizes equity timing and whether the offer arrives after a run-up or reset.

How to use it

Pair this with stock-risk metrics before accepting equity-heavy compensation.

04 · Role and career risk

What could make this role better or worse than it looks

This section turns leadership, insider, board, and market signals into career-risk context for the role you are considering — and carries the forward scenarios: the base case and the three forks this offer can take.

Is your role exposed

Confidence: low

low exposure

0 = insulated · 100 = high · a separate read from company health

Your role looks well-insulated on the public signals available.

▼ lowers

Revenue trend (segment proxy)

Company revenue is up 28.0% first-to-last across 6 available quarters (Q1 FY2025 → Q2 FY2026), a 15-month span, not a year-over-year rate, which lowers role exposure at the company level.

▲ raises

Leadership churn

1 executive departure in the last 12 months. · source

Litigation posture (public court records)

Public court records, aggregated at the employer level. Individual parties are not shown; the docket links go to the primary source.

named as defendant in 2 employment civil rights cases (most recent 2025-05-20).

Dockets: case 1 · case 2

Public records checked this run

Litigation (public court records)
On file — see detail above
Wage enforcement (U.S. DOL WHD)
None in the record
Workplace safety (U.S. OSHA)
None in the record
DOL debarment
None in the record

Limitations

No Item 2.05 restructuring 8-Ks matched this employer in the lookback window.
No WARN notices matched (coverage is strongest in CA and NY).
No public ATS board is mapped for this employer, so hiring velocity is unavailable.
Public court-records lookup degraded this run — litigation posture may be incomplete.
Segment-level revenue is rarely disclosed; the revenue signal uses the company total as a proxy.

Stock volatility

22.5%

Current drawdown

-4.2%

Insider pattern

Sustained Selling

Directors on record

C-suite tenure dashboard

Leadership graph (resolved): Craig Vosburg — Chief Services Officer (since 2024); Sachin Mehra — Chief Financial Officer (since 2019); Linda Pistecchia Kirkpatrick — President of the Americas (since 2024); Chris Mullett — Corporate Controller and principal accounting officer (appointed 2026-08-03); Rich Verma — Chief Administrative Officer (since 2025); Susan Muigai — Chief People Officer (since 2025); Jill Kramer — Chief Marketing and Communications Officer (since 2025); Jon M. Huntsman, Jr. — Vice Chairman and President, Strategic Growth (since 2024); Jorn Lambert — Chief Product Officer (since 2024); Ling Hai — President, Asia Pacific, Europe, Middle East & Africa (since 2024); Raj Seshadri — Chief Commercial Payments Officer (since 2024); Michael Miebach — Chief Executive Officer, President & Director (since 2021)

Evidence confidence: medium

8-K transition scan is stale; absence of transitions should not be interpreted as stability.

Insider trading intelligence

Of 100 Form 4 rows pulled for this issuer, 48 moved shares out in the trailing 90 days (open-market sales, tax withholding on vests, and gifts), of which 47 were open-market sale rows and 0 were open-market purchases. The 47 open-market sale rows are per-price fills of 18 sale trades by 6 distinct sellers — 111,341 shares ≈ $62.14M in total — a Form 4 reports one sale as multiple execution-price rows, so the trade count is the count of decisions. 3 filings carry a per-trade classification — a count of FILINGS over a different window, not a subset of the row counts above.

Evidence confidence: high

SACHIN J. MEHRA: sustained_pattern_sell (negative).

Evidence confidence: medium

Kirkpatrick Linda Pistecchia: opportunistic_sell (negative).

Evidence confidence: medium

SACHIN J. MEHRA: opportunistic_sell (negative).

Evidence confidence: medium

8-K event log

Timothy Murphy retirement: Vice Chair

Evidence confidence: medium

Sachin Mehra promotion: Chief Business Officer

Evidence confidence: medium

If you regret this in 18 months

The most likely way this goes wrong is that the January 2026 workforce reduction — framed publicly as an AI-efficiency initiative — turns out to be the first wave rather than a one-time reset. The August 2026 C-suite reorganization reshuffled the leadership layer directly above Risk & Analytics (Sachin Mehra moving from CFO to Chief Business Officer, Linda Kirkpatrick shifting to Chief Services Officer), and if the new organizational structure deprioritizes the specific analytical mandate this role was hired to execute, the team's headcount or budget could be quietly reduced before the RSU grant has meaningfully vested. Eighteen months in, the user finds that the role's scope has narrowed, a second efficiency wave has eliminated adjacent positions, and the $55,000 equity grant — still substantially unvested on a 3-year schedule — is not large enough to justify staying through the uncertainty, while the $15,000 signing bonus may carry repayment terms that complicate an exit.

Evidence confidence: medium

Early warning signals

Mastercard announces a second round of workforce reductions or a hiring freeze affecting the O'Fallon, MO site or the Risk & Analytics function specifically — watch Q1 and Q2 2027 earnings calls and 8-K filings for any new restructuring charge language beyond the Q1 2026 charge already recorded.

Evidence confidence: medium

Insider open-market selling by the newly appointed CFO Ling Hai or Chief Business Officer Sachin Mehra accelerates in the 90-day window following the August 2026 reorganization — track Form 4 filings on SEC EDGAR for any sustained-pattern or large-block sales by these two names specifically, as their trading behavior post-reorganization is a forward signal the prior CFO's pattern was not.

Evidence confidence: medium

Base case

Your base of $165,000 sits at the 98th percentile of the closest federal wage bucket for this title in Missouri (median $100,000, n=42) — that band is base cash only, not a role-specific survey, so treat it as directional context rather than proof of market position. The headline package of $235,000 (base plus equity plus signing) is 2.4× that base-cash median, and Mastercard's underlying business is durable: a composite of 14.1% revenue growth and 40.7% FCF margin produces a Rule of 40 score of 54.7, with a Piotroski score of 6 and Altman Z of 9.88 signaling financial health well above distress thresholds. Negotiate from strength — the equity grant of $55,000 over a 3-year vest, the absence of a disclosed target bonus, and open questions around vesting cliff, refresh cadence, and clawback terms are the levers worth pressing before you sign.

Evidence confidence: medium

Reference class

No public reference class beyond market-data peers and SEC leadership transitions.

Evidence confidence: low — read the specifics as directional, not verified

Three forks

The three ways this role can go from here — the downside path, the base case, and the upside. Each fork carries a signal of its own direction or says plainly that none was extracted; a fork never borrows the nearest available sentence.

Bear

No downside-direction signal was extracted for this brief.

Base

No base-direction signal was extracted for this brief.

Bull

No upside-direction signal was extracted for this brief.

Leadership tape

Source-backed leadership facts are used conservatively; unresolved or sparse records are omitted from user-facing claims.

Timothy Murphy
2026-10-01
retirement: Vice Chair → role
“will retire from Mastercard in October 2026.”
Sachin Mehra
2026-08-03
promotion: Chief Financial Officer → Chief Business Officer
“will assume the role of Chief Business Officer.”
Linda Kirkpatrick
2026-08-03
promotion: President, Americas → Chief Services Officer
“will succeed Mr. Vosburg as Chief Services Officer.”
Craig Vosburg
2026-08-03
promotion: Chief Services Officer → Vice Chair
“will transition from his current role to the role of Vice Chair.”

Coverage note

Leadership

Ready

Board

Ready

8-K scan

Stale

8-K transition scan is stale; absence of transitions should not be interpreted as stability.

C-suite tenure

Dated appointments from SEC filings — earliest first. Officers without a filed start date are not shown, a start we could only date to a YEAR is shown as that year, and a seat length is computed only where the filing states when the role began. Rows marked “appointed” carry a transition-filing date, which dates the filing rather than the tenure. Where the filing does not say what its date is a date of, the officer is omitted rather than shown under a verb the record does not support.

Sachin Mehra

Chief Financial Officer

since 2019 · 7y

Michael Miebach

Chief Executive Officer, President & Director

since 2021 · 5y

Craig Vosburg

Chief Services Officer

since 2024 · 2y

Linda Pistecchia Kirkpatrick

President of the Americas

since 2024 · 2y

Jon M. Huntsman, Jr.

Vice Chairman and President, Strategic Growth

since 2024 · 2y

Jorn Lambert

Chief Product Officer

since 2024 · 2y

Ling Hai

President, Asia Pacific, Europe, Middle East & Africa

since 2024 · 2y

Raj Seshadri

Chief Commercial Payments Officer

since 2024 · 2y

Insider intensity

What it shows

Form 4 buy/sell activity summarized by month.

Why it matters

Heavy selling does not automatically mean distress, but it changes how much equity risk you should accept.

How to use it

Use sustained selling as support for vest protection or more cash.

Institutional ownership

13F institutional ownership86.2%

3,722 institutional holders (latest 13F)

What it shows

How much of the float sits with institutions, and across how many holders.

Why it matters

Ownership mix can amplify volatility and market sensitivity.

How to use it

Treat concentrated ownership as another reason to stress-test equity-heavy offers.

Not available for this run: board interlocks and largest-holder position sizes. Every stream we checked — rendered, held, or absent — is itemized in the appendix coverage matrix.

05 · Employer durability

Employer durability versus peers

How this company's financial health reads against its public peers — every company scored on the identical rubric, from its own filings. This is a durability comparison, not a list of jobs you could take instead.

Financial health, one rubric

Every company below is scored by the same rule — Rule of 40, revenue growth, cash runway — from its own filings. No cross-company guessing.

ALLY

Rule of 40 basis: revenue growth over the 12.0 months from 2025-06-30 to 2026-06-30 plus FCF margin for the period ending 2026-06-30.

AXP

Rule of 40 basis: revenue growth over the 12.0 months from 2025-06-30 to 2026-06-30 plus FCF margin for the period ending 2026-06-30.

COF

Rule of 40 basis: revenue growth over the 12.0 months from 2025-06-30 to 2026-06-30 plus FCF margin for the period ending 2026-06-30.

PYPL

Rule of 40 basis: revenue growth over the 12.0 months from 2025-06-30 to 2026-06-30 plus FCF margin for the period ending 2026-06-30.

Peer universe: 7 vendor-listed candidates examined · 7 qualifying Financial - Credit Services peers · the first 4 shown below, in the vendor's order · every median on this panel is computed over all 7 qualifying peers, not only the 4 displayed.

Peer companies

Financial health on one rubric: MA scores 75; peers — COF 84, AXP 60, PYPL 55, ALLY 52; peer median 55 across all 7 scored peers, of which 4 are listed here.

Evidence confidence: medium

Financial-health axis only — leadership, career, and role factors are not honestly comparable across companies from public filings alone.

Promotion and tenure reference class

No user-contributed tenure aggregate has passed k-anonymity for this company yet.

Evidence confidence: low — read the specifics as directional, not verified

06 · Negotiation playbook

How to use the brief in the conversation

This is the action layer: the asks to prioritize, the scripts to use, the questions to ask, and the dealbreakers to monitor.

How to negotiate this

Your offer sits at the 98th percentile of the closest federal wage bucket for this title in Missouri — so you're negotiating from a position of genuine strength, not desperation. Lead with base: ask for $178,000, state it plainly and once, then let the conversation move to equity and signing. The headline package of $235,000 (base plus equity plus signing) is already compelling, which means your tone should be confident and collaborative — you want this role, you're ready to say yes, and you have one specific number to close the gap.

What you're asking for

$16K / yr

One-time bridge (signing)

$13K

Your counter, lever by lever

Base salary

$165K → $178K (floor $165K)

Your current base of $165,000 is strong against the closest federal wage bucket for this title in Missouri — it sits above the proxy band's 98th percentile (median $100,000, p75 $110,000) — so this is a modest, credible ask, not an aggressive one. The target is $178,000, a $13,000 increase, with $165,000 as your floor. Confirm this placement against a role-specific survey before deciding how hard to press; the proxy bucket is directional context, not a role-specific ceiling.

offer at/above market p90 — small base push, press equity & scope

Equity grant

$55K → $63K (floor $55K)

The $55,000 RSU grant is priced against a stock at $574.795 — a 10.5% discount to the analyst consensus median target of $670. Under the base equity scenario, the grant projects to $64,110 at that consensus median; under the bull scenario, $70,808 at $740. The target is $63,000 in grant value, which is well within the range the business's FCF profile supports — Mastercard's FCF margin is 40.7% and revenue grew 14.1% over the twelve months from 2025-06-30 to 2026-06-30. Value-added services, the segment most adjacent to a Risk & Analytics mandate, grew 18% in Q2 2026. Ask where your grant sits within the Band E equity range and whether the ceiling accommodates a $63,000 figure.

computed equity room

Signing bonus

$15K → $28K (floor $15K)

The $15,000 signing bonus is the smallest component of the $235,000 headline package (base plus equity plus signing), and it does not adequately bridge the forfeiture risk you carry in year one while equity vests. The target is $28,000 — a $13,000 increment over what's already offered — sized to offset the base gap if base cannot move. Before finalizing this ask, clarify the cliff schedule and whether the signing was sized to cover any unvested compensation you are leaving behind; if it was not, this is the cleanest lever to pull without touching the RSU grant structure.

one-time bridge sized to the base gap, added to the signing already offered (use if they cannot move base)

Scope, title & level

non-cash lever

The offer does not disclose a target bonus percentage, a refresh cadence, or change-of-control terms — each of those is a non-cash lever worth clarifying before you sign. Mastercard's Agentic Commerce build-out and its Know-Your-Agent framework with Visa and Ant International place fraud prevention and risk analytics at the center of the company's stated strategic priorities; if your role touches those product lines, that is a direct argument for asking whether the Band E equity range has a ceiling and whether an annual refresh grant is part of the structure at this level. Ask — do not assert — whether the scope and strategic importance of the function are reflected in the grant.

non-cash lever: leveling, scope, and equity-refresh cadence

Scripts

Written to be sent as they are. Edit any of them before you copy.

Counter Offer — Base & SigningEmail

Hi [Recruiter name], Thank you so much for the offer — I'm genuinely excited about this role and the work Mastercard is doing, especially around fraud prevention and the agentic commerce roadmap. I want to make this work. I do have one ask before I sign. Based on the market data I've reviewed for this role and location, I'd like to bring the base salary to $178,000. That's the number that gets me to yes. If base has a firm ceiling, I'm open to bridging the gap through the signing bonus instead — I'd need that to come up to $28,000 to make the overall package work. I'm ready to move quickly once we can close this. Is there flexibility on either of those? Thank you again — I'm looking forward to the conversation.

Editable — tweak before you send

Phone Counter — One NumberSay this

I really appreciate the offer, and I want to be straightforward with you — I'm excited about this role and I want to say yes. I just have one ask. The market data I've looked at for this kind of position, and the scope of what this role owns, puts me at $178,000 on base. That's the number I need. If base is fixed, I'd want to talk about bringing the signing bonus up to $28,000 to bridge the gap. Either way, I'm ready to move fast. Is there room to work with me on one of those?

Editable — tweak before you send

Best & Final — Holding at $178,000Email

Hi [Recruiter name], I appreciate you going back to the team on this. I want to be transparent: $178,000 on base is the number I need to move forward. I'm not looking to negotiate every line — that's my one ask, and I'm holding it. If base truly can't move, then I'd ask that we bring the signing bonus to $28,000 to close the gap. I'd also want to understand the annual bonus target for this level and how the equity refresh works at Band E before I sign — not to reopen the negotiation, just to make sure I have the full picture. I'm genuinely enthusiastic about joining the team. Let me know what's possible and we can wrap this up quickly.

Editable — tweak before you send

Competing Offer — Conditional FrameSay this

I want to be upfront with you because I respect the process. If I have another offer in hand when we're finalizing terms, I'll need to weigh the full packages — and right now the gap I'm asking you to close is $13,000 on base, to $178,000. That's a straightforward ask relative to the scope of this role and what the business is clearly doing well. I'd much rather be here than somewhere else. Can we get this done at $178,000?

Editable — tweak before you send

When they push back

“Your base is already above what we pay at this band — we can't go higher.”
I hear you, and I'm not trying to blow up the band. If $178,000 isn't possible on base, let's talk about the signing bonus — bringing that to $28,000 gets me to the same place economically in year one without touching the salary structure. Is that a lever you have flexibility on?
“The signing bonus is already generous at $15,000.”
I appreciate that, and I understand it's not nothing. The reason I'm asking for $28,000 is that I'm carrying some forfeiture risk in year one while the equity vests, and I want to make sure the signing covers that gap. If the cliff schedule is more favorable than I'm assuming, that changes the math — can you walk me through how the vesting works?
“The equity grant is set by the band and we can't change it.”
That's helpful to know. Can you tell me where within the Band E range my grant sits? If there's room at the top of the range, I'd want to understand what it would take to get there — the role's proximity to the agentic commerce and fraud prevention work feels like it warrants a grant that reflects that strategic weight.
“We don't negotiate offers at this level — the package is what it is.”
I understand, and I want to be clear that I'm not trying to be difficult — I'm trying to get to yes. My one ask is $178,000 on base. If that's genuinely off the table, I'd want to at least understand the bonus target for this level and the equity refresh cadence before I sign, so I have the full picture. Can we talk through those?
“The market in Missouri doesn't support a higher number.”
I've looked at the market data for this area too, and I think the role's scope and the function's strategic importance to what Mastercard is building right now put it in a different category than a straight geographic comparison. I'm not asking for a dramatic move — $178,000 is a $13,000 increase on a package that's already strong. Is there any flexibility there?

Walk-away line

“I've genuinely enjoyed this process and I think the role is a strong fit — if the package can't move from where it is, I'd want to take a few days to think it through carefully before giving you a final answer.”

Targets are computed from your offer and an 8% base / 15% equity negotiation-room estimate, anchored to the DOL LCA market band for Missouri, where your base sits at roughly the 98th percentile. They are derived deterministically, not written by the model.

Who to talk to — and in what order

Comp lives with different people than you think. Aim each ask at the person who can actually move it.

Recruiter

Owns the offer number and can move base / signing within a set band.

Your first channel. Make the case here: give them the market floor and one clear, specific ask. Stay warm — they're your messenger, not your obstacle.

Hiring manager

Owns level, scope, and the business case for hiring you.

Your advocate. Loop them in for a level bump, equity, or when the recruiter says the band is fixed — they can request an exception the recruiter can't.

Compensation team

Sets the salary bands; rarely negotiates with you directly.

You almost never talk to them. But the hiring manager can push an out-of-band exception up to them — which is why winning the manager matters.

When they say “this is our final offer”

01
“Final” is usually a close, not a wall. Stay gracious, restate your value in one line, and make a single specific, justified ask — not a list.
02
If base is capped, trade levers: pivot to a signing bonus, an equity refresh, an accelerated first review, or a title/level adjustment.
03
Only invoke a deadline or competing interest if it's real. A bluff that gets called costs you leverage and goodwill.
04
Give them an easy yes: name the one thing that turns a maybe into a signature today.

Say this

“I really want to make this work — I’m ready to sign. The one thing that would let me say yes today is [specific ask]. Is there any room there?”

Equity upside tied to analyst consensus gap

Your $55,000 RSU grant is priced against a stock trading at $574.795 — a 10.5% discount to the analyst consensus median target of $670 and a 28.7% discount to the high target of $740. Under the base equity scenario, the grant projects to $64,110 at the consensus median; under the bull scenario, $70,808 at $740. That $15,808 spread between base and bull is a concrete number to put in front of the recruiter when asking whether the initial grant size reflects where the business is heading, not where the stock sits today.

Evidence anchor: Computed equity scenarios (rsu_linear, spread 42%); analyst consensus trio (median $670, high $740, low $597)

FCF engine supports a larger equity ask

Mastercard's FCF margin stands at 40.7% — the 'F' in a composite growth-plus-FCF score of 54.7 (measured over the 12 months from 2025-06-30 to 2026-06-30 plus the FCF margin for the period ending 2026-06-30; the 40 threshold is a SaaS convention and Mastercard is not SaaS, so treat this as a composite of growth and margin, not a pass/fail). Revenue grew 14.1% over the same twelve-month window, and value-added services — the segment most directly adjacent to a Risk & Analytics mandate — grew 18% in Q2 2026. A business generating free cash flow at that rate has room to grant equity above the initial offer; ask whether the Band E equity range has a ceiling and where your grant sits within it.

Evidence anchor: Computed Metrics (FCF margin 40.7%, revenue growth 14.1%, Rule of 40: 54.7); Q2 2026 earnings (value-added services growth 18%)

Signing bonus is thin relative to equity risk

The $15,000 signing bonus is the smallest component of your $235,000 headline package (base plus equity plus signing). Because the equity vests over three years and the cliff, clawback, and repayment terms were not disclosed in your offer, you carry real forfeiture risk in year one that the signing bonus does not offset. Ask what the cliff schedule looks like and whether the signing figure was sized to cover any unvested equity or deferred compensation you are leaving behind — if it was not, a higher signing number is the cleanest ask that does not touch base or the RSU grant structure.

Evidence anchor: Known offer terms (signing $15,000, equity $55,000, vesting 3 years); cliff and clawback terms not collected

Headcount growth signals sustained investment, not contraction

Mastercard's reported headcount grew from 29,900 at year-end 2022 to 39,800 at year-end 2025 — a 33% increase over three years per SEC 10-K filings. A January 2026 workforce reduction of approximately 4% (~1,400 roles) was announced and a Q1 2026 restructuring charge was taken, but no new cuts or freezes were announced in the July–September 2026 window, and Q2 2026 guidance was reaffirmed at the high end of low double-digit net revenue growth. The earnings call attributed operating expense growth to 'infrastructure hardening, geographic expansion and product innovation' — all areas that sit inside a Risk & Analytics remit. Use this trajectory to ask about the team's current headcount plan and whether the role carries budget or direct-report scope that would warrant a Band E equity grant at the top of the range.

Evidence anchor: SEC 10-K filings (headcount 2022–2025); Q2 2026 earnings call transcript; Real-time signals (January 2026 reduction, no new cuts in window)

Agentic commerce build-out elevates the role's strategic value

Mastercard's most recent earnings call named Agentic Commerce as 'the next evolution in payments' and a 'significant opportunity,' and the company announced a Know-Your-Agent interoperability framework with Visa and Ant International in September 2026. Fraud prevention and risk analytics sit at the center of that architecture — the earnings call cited 'increased demand for Mastercard's robust and unique security solutions as clients navigate the ever-expanding threat landscape.' If your role touches any of those product lines, that strategic priority is a direct argument for asking whether the equity grant reflects the function's current importance to the roadmap, and whether an annual refresh cadence is in place for Band E managers in this area — ask rather than assume.

Evidence anchor: Q2 2026 earnings structured data (strategic priorities); Business Wire press release (KYA framework, 2026-09-09)

Questions they cannot fake

1
What is the annual target bonus percentage for the M2 / Band E level, and what did the bonus actually pay out at — as a percentage of target — for the last two fiscal years?
Your offer letter lists a $165,000 base but no bonus target. Until that figure exists, the headline package of $165,000 base plus $55,000 equity plus $15,000 signing — the $235,000 total — understates your true annual run-rate if the bonus is meaningful, or overstates it if the plan pays below target. Two years of actual payout history tells you whether the plan is a real number or a ceiling that rarely clears.
2
What change-of-control acceleration applies to the unvested portion of the $55,000 RSU grant — single-trigger, double-trigger, or none — and can you receive that answer from the plan document itself rather than a recruiter summary?
Mastercard completed the BVNK acquisition in August 2026 and has been active on M&A. With a 3-year vest and no cliff or acceleration terms collected in your offer, the treatment of unvested RSUs in a change-of-control scenario is a material unknown. The plan document is the controlling instrument; a recruiter's verbal characterization is not binding and has been wrong at other companies in exactly this situation.
3
What is the vesting schedule structure — specifically, is there a cliff before the first RSU tranche releases, and does the schedule run in equal annual tranches or front- or back-weighted?
The $55,000 grant is modeled on a 3-year term, but the cliff and tranche shape are not in your offer. A 1-year cliff on a 3-year schedule means zero equity value before roughly November 2027. A back-weighted schedule concentrates value in year 3. Either structure changes the effective present value of the grant and the cost of leaving before full vest — information you need before you decide whether to push for a larger grant or a shorter vest.
4
Is there an annual equity refresh grant at this level, and if so, what was the typical refresh size — in grant-date value — awarded to M2 / Band E managers in the last two cycles?
The $55,000 initial RSU grant is a one-time award. Over a 3-year horizon, the total equity you accumulate depends almost entirely on whether annual refresh grants exist and at what size. Mastercard's FY2025 proxy shows that equity awards represent the dominant component of named-executive pay — the same logic applies further down the band. If refresh grants at M2 are negligible or discretionary, the equity story in your offer is thinner than the headline suggests.

Dealbreakers to watch

Concentrated C-Suite Reorganization Creates Near-Term Reporting Uncertainty
medium
A broad leadership reshuffle took effect August 3, 2026 — Sachin Mehra moved from CFO to Chief Business Officer, Ling Hai stepped into the CFO seat, Linda Kirkpatrick shifted from President of the Americas to Chief Services Officer, Craig Vosburg moved to Vice Chair, and Vice Chair Timothy Murphy is retiring in October 2026. That is five senior roles in motion simultaneously, with the Corporate Controller seat also newly filled (Chris Mullett, appointed August 3, 2026). For a Senior Manager, Risk & Analytics role, the chain of accountability above you is actively resettling. Ask who your ultimate executive sponsor will be once the dust clears, and whether the risk function's mandate or budget has been reaffirmed under the new structure.
Source ↗ · SEC Form 8-K / DEF 14A proxy (filed 2026-04-27) and Form 4 filings; GRAPH CONTEXT transition records sourced to https://www.sec.gov/Archives/edgar/data/1141391/000114139126000037/ma-20260529.htm
Sustained Insider Selling — 18 Open-Market Trades by 6 Sellers, ~$62.14M in 90 Days
high
In the trailing 90 days, 6 distinct insiders executed 18 open-market sell trades totaling 111,341 shares (~$62.14M), with zero open-market buy trades recorded in the same window. The signal strength is rated high. 6 named insiders appear in the materialized signals: Sachin Mehra is flagged for a sustained pattern of sales (including 440 shares on 2026-08-05 and 3,266 shares on 2026-09-02), and Linda Kirkpatrick is flagged for an opportunistic sell on the same day as a significant prior sale. Insider selling at this scale and breadth does not automatically signal distress — executives routinely diversify — but the absence of any offsetting buy activity across six sellers over a 90-day window is worth weighing against your $55,000 RSU grant, whose realized value will depend on where the stock trades across your vesting term. The stock is already -2.4% over the past 12 months against an analyst consensus median target of $670 (vs. current $574.795), and the model-derived DCF fair value sits at $521.00 — below current price. Ask whether equity refresh grants are part of the compensation structure at your band, and clarify vesting mechanics before signing.
Source ↗ · SEC Form 4 filings (multiple, filed 2026-08-05 through 2026-09-03); COMPUTED METRICS insider pattern, trailing 90 days
January 2026 Workforce Reduction (~1,400 Roles) Signals AI-Driven Efficiency Pressure on Analytical Functions
medium
Mastercard announced a ~4% global workforce reduction in January 2026 — approximately 1,400 roles — framed publicly around AI focus and cost discipline despite strong profits. A Q1 2026 restructuring charge was noted in Q2 reporting. Headcount in the 10-K rose from 35,300 (2024-12-31) to 39,800 (2025-12-31), so the company is still net-hiring, but the January cut targeted efficiency specifically. For a Risk & Analytics seat, the relevant question is whether analytical and modeling roles are being consolidated into AI-assisted workflows — which could affect team size, scope, and promotion velocity. The earnings transcript flags 'spending to drive execution of strategic priorities, including initiatives to further harden our infrastructure' as the primary driver of operating expense growth, but headcount direction is described as unclear. Ask directly how the Risk & Analytics team was affected by the January reduction and what the current headcount trajectory looks like for your function.
Source ↗ · REAL-TIME SIGNALS (workforce/restructuring section); Mastercard 10-K filed 2026-02-11 (employee count 39,800 as of 2025-12-31); bwpeople.in coverage of January 2026 reduction
Equity Grant Carries Meaningful Stock-Price Sensitivity Across a 3-Year Vest
low
Your $55,000 RSU grant is priced against a stock currently at $574.795, which sits -4.2% below its recent peak and -2.4% over the trailing 12 months. The equity scenario analysis puts bear-case realized value at $49,853 (using a DCF-derived price of $521.00) and bull-case at $70,808 (at the analyst high target of $740), against a base-case of $64,110 (at the consensus median of $670). That is a $20,955 spread between bear and bull — meaningful relative to a $55,000 grant. Annualized volatility is 22.5% with a max drawdown of -21.2%. The vesting term is 3 years, but cliff, clawback, and refresh terms were not collected — ask about each before signing. Also confirm whether the grant is denominated in shares (fixed count) or dollars (re-priced at grant date), as that changes your exposure to price moves between offer acceptance and your November 1, 2026 start.
Source: COMPUTED METRICS (equity scenarios, stock risk, DCF fair value); analyst consensus (median $670, high $740, low $597)

Pre-mortem: what would make this offer fail

These are the brief’s highest-friction warnings converted into diligence prompts before you sign.

1
Sustained insider selling pattern detected.
2
One early-warning signal was dropped: it did not fit the panel's length budget on a sentence boundary, and a signal cut mid-thought is not something a reader can monitor.

Canonical action signals

Highest leverage asks

Evidence confidence: medium

Questions they cannot fake

What is the annual target bonus percentage for the M2 / Band E level, and what did the bonus actually pay out at — as a percentage of target — for the last two fiscal years? Why: Your offer letter lists a $165,000 base but no bonus target. Until that figure exists, the headline package of $165,000 base plus $55,000 equity plus $15,000 signing — the $235,000 total — understates your true annual run-rate if the bonus is meaningful, or overstates it if the plan pays below target. Two years of actual payout history tells you whether the plan is a real number or a ceiling that rarely clears.

Evidence confidence: medium

What change-of-control acceleration applies to the unvested portion of the $55,000 RSU grant — single-trigger, double-trigger, or none — and can you receive that answer from the plan document itself rather than a recruiter summary? Why: Mastercard completed the BVNK acquisition in August 2026 and has been active on M&A. With a 3-year vest and no cliff or acceleration terms collected in your offer, the treatment of unvested RSUs in a change-of-control scenario is a material unknown. The plan document is the controlling instrument; a recruiter's verbal characterization is not binding and has been wrong at other companies in exactly this situation.

Evidence confidence: medium

What is the vesting schedule structure — specifically, is there a cliff before the first RSU tranche releases, and does the schedule run in equal annual tranches or front- or back-weighted? Why: The $55,000 grant is modeled on a 3-year term, but the cliff and tranche shape are not in your offer. A 1-year cliff on a 3-year schedule means zero equity value before roughly November 2027. A back-weighted schedule concentrates value in year 3. Either structure changes the effective present value of the grant and the cost of leaving before full vest — information you need before you decide whether to push for a larger grant or a shorter vest.

Evidence confidence: medium

If you regret this in 18 months

Evidence confidence: medium

Early warning signals

Evidence confidence: medium

Not available for this run: exit terms on the public record. Every stream we checked — rendered, held, or absent — is itemized in the appendix coverage matrix.

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What this brief covers — and what it can’t

Covered, with receipts

Public-company evidence: financial health and trajectory, leadership and board signals, role-level exposure (restructuring filings, WARN notices), the citable market wage band, insider filing patterns, and the negotiation math built from them.

Not in public filings

Your future manager and team, day-to-day culture, benefit terms the filings don’t carry (the 401k match formula, PTO, parental leave, healthcare costs), and private-company comparisons. Where a DOL Form 5500 filing matched, the plan-level 401k facts appear above — the day-to-day terms still don’t. That’s what the verification questions in §6 are for — ask them before you sign.

Appendix

Evidence and methodology

The main brief stays readable; the supporting facts, confidence map, source logs, methodology, and export preview live here for auditability.

Supporting facts

Form 4 rows examined

100

Validated 8-K transition rows

Validation issues

Confidence and data gaps

55% of the trajectory weighting is not evidence-backed (30% renormalized out of the composite, 25% scored on a neutral prior).

Sources cross-referenced

SEC filings analyzed · 10-K/Q, 8-K, proxy

Transcript & filing facts

100

Form 4 insider rows

Leadership / board records

Layoff / WARN signals

159

Records cited · total

Data coverage

This tracks whether available evidence is rendered, held for methodology, gated by confidence, or unavailable.

Canonical verdict and one-number model

Rendered

Canonical

Rendered in the executive decision screen.

Canonical section claims

Rendered

Canonical · 48 items

Rendered across the guided chapters as concise evidence cards.

Supporting facts and methodology notes

Appendix Only

Canonical · 27 items

Kept in the appendix so the main report stays readable.

Revenue product and geographic segmentation

Rendered

Fetched · 4 items

Top segments are rendered in Company Quality; full rows remain source data.

Analyst estimates, grades, DCF, targets, earnings

Rendered

Fetched

Rendered as market-consensus cards instead of raw analyst feeds.

News, press releases, and M&A events

Rendered

Fetched · 6 items

Material recent events are summarized; raw feed clutter is omitted from the main flow.

Ownership concentration and financial health scores

Rendered

Fetched

Rendered in Role and Career Risk when it changes the risk read.

Career signal layer leadership and board coverage

Rendered

Computed

Rendered as leadership tape, coverage note, and board count.

O*NET, BEA, WARN, SEC facts, lobbying, USAspending, FEC

Rendered

Open Data · 4 items

Verified public-data facts are rendered through canonical claims and the evidence appendix.

Evidence appendix

Evidence behind the dossier: supporting facts, methodology, confidence rationale, filing logs, and exportable rows. Empty sections describe what was reviewed rather than silently disappearing.

Facts

100

Insider records

8-K records

Validation issues

What those validation issues are

9 findings from the seal-time checks; 9 advisory (the brief ships and a human reviews). Anything that could make a claim untrue blocks the seal and never reaches this page.

The same sentence appears several times across the brief — a readability note, not a factual one.
A figure is restated more often than this brief's editorial rules allow — a readability note, not a factual one.

Supporting facts(27)

Quarterly revenue (Q1 FY2025): $7250.0M.
Company financial statements · high confidence · Q1 FY2025
Quarterly revenue (Q2 FY2025): $8133.0M.
Company financial statements · high confidence · Q2 FY2025
Quarterly revenue (Q3 FY2025): $8602.0M.
Company financial statements · high confidence · Q3 FY2025
Quarterly revenue (Q4 FY2025): $8806.0M.
Company financial statements · high confidence · Q4 FY2025
Quarterly revenue (Q1 FY2026): $8398.0M.
Company financial statements · high confidence · Q1 FY2026
Rule of 40 score: 54.7. Revenue growth 14.1% + FCF margin 40.7%.
Computed market metrics · high confidence · 2026-09-14T17:22:05.196Z
Revenue per employee: $881K (+2.9% YoY).
Computed market metrics · medium confidence · 2026-09-14T17:22:05.196Z
Insider activity (90d): 18 open-market sell trades by 6 distinct sellers — 111,341 shares ≈ $62.14M, filed as 47 per-price fill rows, 0 open-market buy trades, sell share of trades 100%. Excluded as non-discretionary: 19 equity awards, 1 tax-withholding, 0 gifts. Pattern: sustained_selling. Signal: negative (high).
Form 4 insider activity · medium confidence · 2026-09-14T17:24:26.050Z
Equity scenario base case: analyst median implies $64,110 for the supplied grant.
Equity scenario model · high confidence · 2026-09-14T17:22:05.196Z
12-month stock risk: annualized volatility 22.5%, max drawdown -21.2%, current drawdown -4.2%.
Historical price model · high confidence · 2026-09-14T17:22:05.196Z
Timothy Murphy retirement: Vice Chair.
SEC 8-K leadership event · medium confidence · 2026-10-01
https://www.sec.gov/Archives/edgar/data/1141391/000114139126000037/ma-20260529.htm
Sachin Mehra promotion: Chief Business Officer.
SEC 8-K leadership event · medium confidence · 2026-08-03
https://www.sec.gov/Archives/edgar/data/1141391/000114139126000037/ma-20260529.htm
Linda Kirkpatrick promotion: Chief Services Officer.
SEC 8-K leadership event · medium confidence · 2026-08-03
https://www.sec.gov/Archives/edgar/data/1141391/000114139126000037/ma-20260529.htm
Craig Vosburg promotion: Vice Chair.
SEC 8-K leadership event · medium confidence · 2026-08-03
https://www.sec.gov/Archives/edgar/data/1141391/000114139126000037/ma-20260529.htm
Chris Mullett hire: Corporate Controller and principal accounting officer.
SEC 8-K leadership event · medium confidence · 2026-08-03
https://www.sec.gov/Archives/edgar/data/1141391/000114139126000034/ma-20260505.htm
Board: 11 directors (10 of 11 independent).
Proxy statement board record · medium confidence · 2026
https://www.sec.gov/Archives/edgar/data/1141391/000114139126000021/ma-20260427.htm
SEC filing: 4 filed 2026-09-03 00:00:00.
SEC filing index · medium confidence · 2026-09-03 00:00:00
https://www.sec.gov/Archives/edgar/data/1141391/000114139126000104/xslF345X06/wk-form4_1788466935.xml
SEC filing: 4 filed 2026-09-01 00:00:00.
SEC filing index · medium confidence · 2026-09-01 00:00:00
https://www.sec.gov/Archives/edgar/data/1141391/000114139126000102/xslF345X06/wk-form4_1788293199.xml
SEC filing: 4 filed 2026-08-20 00:00:00.
SEC filing index · medium confidence · 2026-08-20 00:00:00
https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/xslF345X06/wk-form4_1787265475.xml
Strategic coherence: 70/100 (Strong). The strategic coherence suggests a stable environment for career growth, particularly in areas related to digital innovation and security.
Earnings call transcript · high confidence · 2026-09-14T17:24:26.050Z

Confidence map(8)

comp_reality · high Section has source-backed facts available.
leverage · medium Section has source-backed facts available.
leadership_stability · medium 8-K transition scan is stale; absence of transitions should not be interpreted as stability.
three_questions · medium Section has source-backed facts available.
counterfactual · low Counterfactual recommender needs alumni outcomes and peer score generation.
five_year_forecast · low No released career-path aggregate buckets for this role family; the reference class here is public only — market peers and SEC leadership transitions.
organizational_diagnosis · medium Section has source-backed facts available.
red_flags · medium One early-warning signal was dropped: it did not fit the panel's length budget on a sentence boundary, and a signal cut mid-thought is not something a reader can monitor.

Methodology(11)

Trajectory Score weights organizational health, leadership stability, strategic coherence, alumni outcomes, promotion velocity, skills marketability, and role-specific risk.
One Number model varies by report mode: NPV for offer evaluation, EV delta for stay-or-go, trajectory percentile for job seekers, CCVI for career trajectory.
Public-source leadership signals come from SEC 8-K and DEF 14A records when available.
Leadership coverage: stale. Leadership=ready, board=ready, transitions=stale. 12 leadership roles, 11 directors, 7 transition records.
Ticker: MA. Company: Mastercard Incorporated.
Offer inputs: base $165,000, signing $15,000, equity $55,000.
No user-contributed tenure aggregates available.
Career-path aggregates use optional user contributions; this report scores public filings only.
Cross-section findings are AI-generated from assembled Tier 2 data and validated for multi-section citation.
Pre-mortem output was generated by Footnote's structured risk model.
Insider sentiment aggregate was not available for this ticker.

8-K leadership log(7)

[
  {
    "new_role": null,
    "source_url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000037/ma-20260529.htm",
    "former_role": "Vice Chair",
    "person_name": "Timothy Murphy",
    "source_quote": "will retire from Mastercard in October 2026.",
    "effective_date": "2026-10-01",
    "prior_employer": null,
    "transition_type": "retirement"
  },
  {
    "new_role": "Chief Business Officer",
    "source_url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000037/ma-20260529.htm",
    "former_role": "Chief Financial Officer",
    "person_name": "Sachin Mehra",
    "source_quote": "will assume the role of Chief Business Officer.",
    "effective_date": "2026-08-03",
    "prior_employer": null,
    "transition_type": "promotion"
  },
  {
    "new_role": "Chief Services Officer",
    "source_url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000037/ma-20260529.htm",
    "former_role": "President, Americas",
    "person_name": "Linda Kirkpatrick",
    "source_quote": "will succeed Mr. Vosburg as Chief Services Officer.",
    "effective_date": "2026-08-03",
    "prior_employer": null,
    "transition_type": "promotion"
  },
  {
    "new_role": "Vice Chair",
    "source_url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000037/ma-20260529.htm",
    "former_role": "Chief Services Officer",
    "person_name": "Craig Vosburg",
    "source_quote": "will transition from his current role to the role of Vice Chair.",
    "effective_date": "2026-08-03",
    "prior_employer": null,
    "transition_type": "promotion"
  },
  {
    "new_role": "Corporate Controller and principal accounting officer",
    "source_url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000034/ma-20260505.htm",
    "former_role": null,
    "person_name": "Chris Mullett",
    "source_quote": "Chris Mullett will be appointed to succeed Ms. Arkell as Corporate Controller",
    "effective_date": "2026-08-03",
    "prior_employer": "Mastercard",
    "transition_type": "hire"
  },
  {
    "new_role": null,
    "source_url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000006/ma-20260202.htm",
    "former_role": "Chief Financial Officer",
    "person_name": "Sachin Mehra",
    "source_quote": "adjustments to the base salary and target annual incentive bonus opportunity",
    "effective_date": "2026-03-01",
    "prior_employer": null,
    "transition_type": "promotion"
  },
  {
    "new_role": null,
    "source_url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000006/ma-20260202.htm",
    "former_role": "Chief Services Officer",
    "person_name": "Craig Vosburg",
    "source_quote": "adjustments to the base salary and target annual incentive bonus opportunity",
    "effective_date": "2026-03-01",
    "prior_employer": null,
    "transition_type": "promotion"
  }
]

Insider trading log(100)

[
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000104/0001141391-26-000104-index.htm",
    "price": 584,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-09-03",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 36650.083,
    "transactionDate": "2026-09-02",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 3266,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000102/0001141391-26-000102-index.htm",
    "price": 593.54,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-09-01",
    "typeOfOwner": "officer: Chief Services Officer",
    "reportingCik": "0001838202",
    "securityName": "Class A Common Stock",
    "reportingName": "Kirkpatrick Linda Pistecchia",
    "securitiesOwned": 29065.052,
    "transactionDate": "2026-08-31",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 923,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 344.48,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 48360.083,
    "transactionDate": "2026-08-19",
    "transactionType": "M-Exempt",
    "directOrIndirect": "D",
    "securitiesTransacted": 7444,
    "acquisitionOrDisposition": "A"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 572.4127,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 48240.083,
    "transactionDate": "2026-08-19",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 120,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 573.9931,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 47274.083,
    "transactionDate": "2026-08-19",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 966,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 574.7326,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 46124.083,
    "transactionDate": "2026-08-19",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 1150,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 575.7693,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 44956.083,
    "transactionDate": "2026-08-19",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 1168,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 576.8213,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 43676.083,
    "transactionDate": "2026-08-19",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 1280,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 577.9009,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 43048.083,
    "transactionDate": "2026-08-19",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 628,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 579.3542,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 42648.083,
    "transactionDate": "2026-08-19",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 400,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 580.3915,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 41916.083,
    "transactionDate": "2026-08-19",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 732,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 581.5757,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 41076.083,
    "transactionDate": "2026-08-19",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 840,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 582.25,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 40916.083,
    "transactionDate": "2026-08-19",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 160,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 572.07,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 39916.083,
    "transactionDate": "2026-08-20",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 1000,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000142753126000005/0001427531-26-000005-index.htm",
    "price": 344.48,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-20",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Employee Stock Option (right to buy)",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 7800,
    "transactionDate": "2026-08-19",
    "transactionType": "M-Exempt",
    "directOrIndirect": "D",
    "securitiesTransacted": 7444,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000100/0001141391-26-000100-index.htm",
    "price": 565.24,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-18",
    "typeOfOwner": "officer: Chief Services Officer",
    "reportingCik": "0001838202",
    "securityName": "Class A Common Stock",
    "reportingName": "Kirkpatrick Linda Pistecchia",
    "securitiesOwned": 29988.052,
    "transactionDate": "2026-08-17",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 1191,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000099/0001141391-26-000099-index.htm",
    "price": 569.176,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-06",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 43676.083,
    "transactionDate": "2026-08-05",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 240,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000099/0001141391-26-000099-index.htm",
    "price": 570.4075,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-06",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 42796.083,
    "transactionDate": "2026-08-05",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 880,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000099/0001141391-26-000099-index.htm",
    "price": 571.3827,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-06",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 41916.083,
    "transactionDate": "2026-08-05",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 880,
    "acquisitionOrDisposition": "D"
  },
  {
    "url": "https://www.sec.gov/Archives/edgar/data/1141391/000114139126000099/0001141391-26-000099-index.htm",
    "price": 572.6857,
    "symbol": "MA",
    "formType": "4",
    "companyCik": "0001141391",
    "filingDate": "2026-08-06",
    "typeOfOwner": "officer: Chief Business Officer",
    "reportingCik": "0001427531",
    "securityName": "Class A Common Stock",
    "reportingName": "SACHIN J. MEHRA",
    "securitiesOwned": 41636.083,
    "transactionDate": "2026-08-05",
    "transactionType": "S-Sale",
    "directOrIndirect": "D",
    "securitiesTransacted": 280,
    "acquisitionOrDisposition": "D"
  }
]

Transcript pull(6)

“Digitize consumer and commercial flows · Expand partnerships and issuing relationships · Enhance cybersecurity and fraud prevention · Invest in Agentic Commerce and stablecoins”
Investment priority
“At the same time, we continue to monitor geopolitical uncertainty and its potential economic impacts...”
Stated risk · Geopolitical Uncertainty
“We continue to monitor geopolitical tensions and related energy prices, along with critical economic data like unemployment, inflation and so on...”
Stated risk · Economic Conditions
“Our value-added services and solutions growth engine is strong and durable...”
Investment priority · Value-Added Services
“We have gone much deeper than other market participants on the cyber side...”
Investment priority · Cybersecurity
“This is an expansion of our addressable market and one that we are at the forefront...”
Investment priority · Machine-to-Machine Payments

Glossary(4)

8-K: SEC current report used for material company events, including executive appointments and departures.
DEF 14A: Definitive proxy statement containing board, governance, and executive disclosure.
Trajectory Score: Footnote's 0-100 estimate of career value and risk for a role/company decision.
K-anonymity: Privacy threshold that suppresses aggregate user-contributed metrics until enough contributors exist.

Export preview

CSV preview — first 10 rows of 27, exactly as the download serializes them.

id,claim,value,source_type,confidence
fact_001,Quarterly revenue (Q1 FY2025): $7250.0M.,7250000000,fmp_financials,high
fact_002,Quarterly revenue (Q2 FY2025): $8133.0M.,8133000000,fmp_financials,high
fact_003,Quarterly revenue (Q3 FY2025): $8602.0M.,8602000000,fmp_financials,high
fact_004,Quarterly revenue (Q4 FY2025): $8806.0M.,8806000000,fmp_financials,high
fact_005,Quarterly revenue (Q1 FY2026): $8398.0M.,8398000000,fmp_financials,high
fact_006,Rule of 40 score: 54.7. Revenue growth 14.1% + FCF margin 40.7%.,54.7,derived_fmp,high
fact_007,Revenue per employee: $881K (+2.9% YoY).,881482,derived_fmp,medium
fact_008,"Insider activity (90d): 18 open-market sell trades by 6 distinct sellers — 111,341 shares ≈ $62.14M, filed as 47 per-price fill rows, 0 open-market buy trades, sell share of trades 100%. Excluded as non-discretionary: 19 equity awards, 1 tax-withholding, 0 gifts. Pattern: sustained_selling. Signal: negative (high).",1,fmp_insider_trading,medium
fact_009,"Equity scenario base case: analyst median implies $64,110 for the supplied grant.",64110,derived_equity_scenario,high
fact_010,"12-month stock risk: annualized volatility 22.5%, max drawdown -21.2%, current drawdown -4.2%.",'-21.2,derived_price_history,high

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