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Can Mastercard Stay Ahead in the Race Toward a Digital Wallet Future?
ZACKS· 2025-07-11 23:51
Key Takeaways MA is integrating with digital wallets and enabling secure tokenized payments across platforms. Mastercard is expanding into Buy Now, Pay Later and exploring crypto and CBDC initiatives. MA is investing in AI fraud tools and biometrics to build trust in a rapidly digitizing payments world.Mastercard Incorporated (MA) , long regarded as a leading player in global payments, is rushing to reinvent itself as a tech-forward payments enabler in a world where physical cards are no longer the mainst ...
Visa in a Wallet-Driven World: Can It Stay Indispensable?
ZACKS· 2025-07-11 00:36
公司战略转型 - Visa正从传统卡基支付转向数字化战略 通过Visa Token Service替代敏感卡信息 支持Apple Pay和Google Pay等平台交易[1][2] - 公司2025财年第二季度处理交易量同比增长9% 显示数字化整合成效[2][8] - 积极布局加密货币领域 推出加密联名卡 测试区块链稳定币交易 与多家加密平台合作[3][8] 行业竞争格局 - 主要竞争对手Mastercard同样聚焦数字钱包和代币化技术 注重在支付生态中扮演底层角色而非直接竞争[5] - PayPal采取差异化策略 直接运营数字钱包(Venmo)并支持加密货币交易 同时通过QR码拓展线下支付场景[6] 财务表现与估值 - 公司年初至今股价上涨13.2% 显著跑赢行业5.4%的涨幅[7] - 当前远期市盈率28.76倍 高于行业平均22.76倍[10] - 2025财年Zacks一致预期每股收益11.35美元 较上年10.05美元增长12.9%[11][12] - 季度业绩预期强劲 当前季度(6/2025)EPS预计同比增长17.36%至2.84美元[12] 核心竞争优势 - 依托全球广泛受理网络 与金融科技公司、数字银行及科技巨头合作保持市场地位[3][8] - 在实时支付和去中心化支付趋势下 持续创新是维持竞争力的关键[4]