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Mastercard Incorporated
Financial Services · Credit Services
Made on Jun 27, 2026
Price at call $499.02
6-month call Neutral +3.6%
Target by Dec 2026 $517.08
Great value below $440.00
Model v0.3.0

Projection vs Actual (6M history + forecast)

Our straight 6-month prediction (bold) with a textured realism line, and the actual price overlaid from the prediction date forward.

Forecast

One directional 6-month call and the six monthly points we'll be scored against. Predicted Jun 27, 2026 3:21 am
Neutral MA trends range-bound to $517.08 (+3.6% from $499.02) by Dec 2026.
Monthmonths after the call Datewhen it gets graded Predictedthe claim: closing price Current priceactual close — fills in over time Predicted returnpredicted vs $499.02 at call
Prediction made Jun 27, 2026 $499.02 at call
M1 Jul 27, 2026 $502.03 +0.6%
What actually happened: closed $539.66 on Jul 24, 2026 = +8.1% vs the call (predicted +0.6%)  ·  direction MISS (called flat, was up)  ·  off by 7.5 pp  ·  accuracy 4/10  ·  S&P +0.8% over the same window — lagged it
M2 Aug 27, 2026 $505.04 +1.2%
M3 Sep 27, 2026 $508.05 +1.8%
M4 Oct 27, 2026 $511.06 +2.4%
M5 Nov 27, 2026 $514.07 +3.0%
M6 Dec 27, 2026 $517.08 +3.6%

Deserved value (DCF/composite) is $596.90; over 6 months we project closing only part-way to it (reach 18.5%). Value-only — see Not Yet Modeled below.

Weaknesses

No weaknesses recorded for this run.

All inputs present, no fallbacks used — nothing to flag.

Equation Inputs

Everything feeding the v0.3.0 model — value anchors, the stock's own price behaviour, and the tunable knobs.

Value anchors (from deep analysis)

Price at call$499.02
Composite fair value$521.30
Signal-adjusted fair value$560.39
DCF fair value$473.54
Anchored-PE fair value$616.81
Buy-below (value lens)$440.00
Value net score-34
Value confidence7 / 10
Quality net score+100
Memo confidence7 / 10
Deserved value (base)$497.42
Quality tilt+20%
Deserved value (used)$596.90
Coherence (value × quality)0.50

Price behaviour (trailing — shapes the realism line)

Realized volatility (annualized) 1m 23.9%  3m 23.9%  6m 24.4%  
Daily σ (realism noise)1.5%
Beta vs S&P 500 1m -0.17  3m 0.02  5m 0.25  
Trailing 6-month return-13.4%

Knobs (equation params)

Deserved wt · DCF0.5
Quality tilt cap (±)0.2
Horizon reach (6mo)0.45
Coherence floor (conflict)0.5
Conviction gain / pt0.06
Realism mean-reversion φ0.85
Conviction floor0.4
Deserved wt · composite0.5
Realism vol window3m
Neutral band (%)5
Horizon (months)6
Realism σ fallback0.015

Version & Tech Chain

What produced this prediction — stamped on the record so versions can be compared by success rate later.
Model v0.3.0 #6bd904191719

Tech composition (what this version is built from)

#ProcessKindGroup
1 Synthesis valuation-synthesis deterministic final
2 Scenario Analysis scenario-valuation deterministic valuation
3 Valuation / Mispricing ext-lens-value llm extended
4 Company Quality ext-lens-quality llm extended
5 Forensic Memo (combiner) ext-forensic-memo llm extended
6 Classification company-classification llm foundation
7 Live Quote fmp-quote data market-data

Inputs used (the runs that fed this prediction)

Upstream processRanLagRun id
company-classification Jun 27, 2026 freshest MA-20260627-030002-02aa
ext-forensic-memo Jun 27, 2026 freshest ext-MA-20260627-031942-d280
ext-lens-quality Jun 27, 2026 freshest ext-MA-20260627-031942-d280
ext-lens-value Jun 27, 2026 freshest ext-MA-20260627-031942-d280
scenario-valuation Jun 27, 2026 freshest MA-20260627-030002-02aa
valuation-synthesis Jun 27, 2026 freshest MA-20260627-030002-02aa

Inputs flagged 7d+ behind the freshest one may be stale relative to the rest of the analysis.

Saved History

2 frozen snapshots — the record we score once predictions mature.
MadeModelCallAt callTargetExp.Eval due
Jul 31, 2026 v0.6.0 Neutral $577.35 $555.00 -3.9% Jan 2027 view
Jun 27, 2026 v0.3.0 Neutral $499.02 $517.08 +3.6% Dec 2026 viewing

Not Yet Modeled

What this v0.3.0 forecast deliberately ignores — the work ahead, in plain sight.
  • Signal-adjusted fair value ($560.39) — the red-flag-adjusted anchor isn't the primary input yet (we use the raw DCF/composite blend, which double-counts DCF).
  • Recent momentum / drift — the line takes off straight; the trailing 6-month move (-13.4%) doesn't bend the slope.
  • Market beta — computed (1–5mo) for context but does not condition the path.
  • Earnings dates, catalysts, and known events — not modeled.
  • Macro regime & sector rotation — not modeled.
  • Horizon is a fixed 6-month assumption, not a modeled time-to-target.
  • Outcome scoring — predictions aren't yet graded against realized price once the evaluation date passes.