Based on the aggregated intelligence of 140,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, credit-card giant MasterCard (NYSE:MA) has received a distressing two-star ranking.

With that in mind, let's take a closer look at MasterCard's business and see what CAPS investors are saying about the stock right now.

MasterCard facts

Headquarters (Founded)

Purchase, N.Y. (1966)

Market Cap

$27.35 billion

Industry

Business services

Trailing-12-Month Revenue

$5 billion

Management

CEO Robert Selander (since 1997)
CFO Martina Hund-Mejean (since 2007)

Return on Equity (Average, Past 3 Years)

24.5%

Price-to-Earnings (MA and S&P 500)

36 and 19

Year-to-Date Return

48%

Competitors

American Express (NYSE:AXP)
Visa (NYSE:V)
Capital One Financial (NYSE:COF)

CAPS Members Bearish on MA Also Bearish on

Apple (NASDAQ:AAPL)
Google (NASDAQ:GOOG)

CAPS Members Bullish on MA Also Bullish on

Goldman Sachs (NYSE:GS)

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 10% of the 2,960 members who have rated MasterCard believe the stock will underperform the S&P 500 going forward. These bears include DarthMaul09 and All-Star jaygatsby49, who is ranked in the top 2% of our community.

Just yesterday, DarthMaul09 refused to give MasterCard any credit for its surging stock price: "The market's overconfidence has supported many financial stocks, including ones where growing unemployment and higher taxes will hurt revenue. At some point over this next year, the stock price will better reflect this risk and the lower expected profits."

In a pitch from last week, jaygatsby49 also offered Fools some priceless advice:

MasterCard looks a little expensive at 36 x reported earnings. That fact coupled with the weakening macro-economics in the US suggest that transaction volumes will be dropping over the next few quarters (maybe longer). Also I am already starting to hear some convincing rumblings about a possibly weak Christmas retail season. … [T]he negative factors I have referenced above, coupled with the fact that I believe Visa and MasterCard are more tied to the macro-economy than some other firms gives me confidence in making an underperfrom call in CAPS.

What do you think about MasterCard, or any other stock for that matter? Make your voice heard on Motley Fool CAPS today. The CAPS community is waiting to hear your opinions. CAPS is 100% free, so get started!

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. American Express is a Motley Fool Inside Value pick, Apple is a Stock Advisor selection, and Google is a recommendation of Rule Breakers. The Fool's disclosure policy always gets a perfect score.