Mastercard Q3 net income $3.2B, EPS $3.39; revenue $6.5B up 14% YoY

Mastercard Inc

2023-Q3 EPS reported $8.85 revenue$18,550,000,000

Net revenue $6.5B (+14% reported, +11% currency-neutral); diluted EPS $3.39 vs $2.58 YoY.
Gross dollar volume +11%, cross-border volume +21%, switched transactions +15% (local currency).
Operating margin 58.8% vs 54.1% YoY; adjusted operating expenses +10% on higher personnel costs.
Q3 share repurchases 4.8M shares for $1.9B; dividends $538M; $4.5B remaining under programs.
Adjusted effective tax rate 15.0% vs 19.4% YoY on foreign tax credit guidance and $115M discrete valuation allowance.

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