The Payments Corner
Decoding the Payments StackDecoding the Payments Stack
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Sort the 50-name payments universe by price, market cap, LTM revenue growth, net / operating / gross margin, price-to-sales, or YTD return. Search any ticker, company, or sector. Click into any name for TPC’s editorial brief.
Prices as of 2026-10-23· LTM through 2026-09-30
Universe at a glance
Market cap · 49 of 50 names
Latest close × shares outstanding.
Issuing Banks & LendersCard NetworksConsumer & Merchant PlatformsCrypto & Alternative RailsProcessing & InfrastructureCross-Border Payments
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| Company | Ticker | Sector | Price | Market Cap | Rev Growth YoY | Net Margin | Op. Margin | Gross Margin | P/Sales | YTD % |
|---|---|---|---|---|---|---|---|---|---|---|
| JPMorgan Chase | JPM | Issuing Banks & Lenders | $331.58 | $880.54B | +4.9% | 32.8% | 42.4% | — | 4.45× | +1.87% |
| Visa | V | Card Networks | $407.92 | $765.81B | +17.1% | 51.7% | 61.1% | — | 17.80× | +17.73% |
| Mastercard | MA | Card Networks | $623.60 | $546.28B | +14.1% | 46.3% | 58.3% | — | 15.57× | +10.74% |
| Bank of America | BAC | Issuing Banks & Lenders | $50.56 | $353.55B | +19.3% | 27.8% | 36.2% | — | 2.92× | -9.63% |
| Wells Fargo | WFC | Issuing Banks & Lenders | $82.39 | $247.31B | +9.2% | 24.9% | 30.3% | — | 2.73× | -13.46% |
| Shopify | SHOP | Consumer & Merchant Platforms | $168.68 | $217.03B | +33.7% | 14.5% | 13.9% | 47.8% | 16.36× | +7.30% |
| American Express | AXP | Card Networks | $313.22 | $211.52B | +7.8% | 27.9% | 35.2% | — | 4.82× | -15.97% |
| Citigroup | C | Issuing Banks & Lenders | $120.62 | $202.33B | +14.1% | 18.3% | 24.8% | — | 2.29× | +1.62% |
| Capital One | COF | Issuing Banks & Lenders | $201.34 | $123.52B | +26.9% | 17.0% | 21.0% | — | 1.99× | -18.79% |
| U.S. Bancorp | USB | Issuing Banks & Lenders | $59.58 | $92.83B | +10.1% | 27.5% | 34.4% | — | 3.13× | +10.48% |
| Mercado Libre | MELI | Consumer & Merchant Platforms | $1,810.15 | $91.77B | +49.8% | 5.3% | 8.3% | 42.7% | 2.61× | -8.29% |
| Robinhood | HOOD | Crypto & Alternative Rails | $95.07 | $85.48B | +32.3% | 42.0% | 49.0% | — | 17.33× | -17.48% |
| Nu Holdings (Nubank) | NU | Consumer & Merchant Platforms | $15.16 | $73.23B | +5.8% | 10.7% | 21.1% | — | 9.46× | -10.93% |
| PayPal | PYPL | Consumer & Merchant Platforms | $57.02 | $48.78B | +7.2% | 15.0% | 17.9% | — | 1.45× | -1.93% |
| Block | XYZ | Consumer & Merchant Platforms | $76.46 | $45.94B | +9.3% | 1.4% | 4.7% | 46.4% | 1.83× | +17.36% |
| Coinbase | COIN | Crypto & Alternative Rails | $164.45 | $43.39B | -18.5% | -15.1% | 9.9% | — | 6.91× | -30.47% |
| Corpay (Fleetcor) | CPAY | Processing & Infrastructure | $408.46 | $26.82B | +21.5% | 22.7% | 43.7% | — | 5.34× | +35.89% |
| Fiserv | FISV | Processing & Infrastructure | $49.86 | $26.51B | -4.1% | 13.4% | 22.3% | — | 1.27× | -23.98% |
| Synchrony Financial | SYF | Issuing Banks & Lenders | $73.64 | $23.96B | +1.0% | 14.7% | 19.2% | — | 1.06× | -13.01% |
| Affirm | AFRM | Consumer & Merchant Platforms | $70.08 | $23.65B | +33.0% | 45.3% | 9.8% | — | 5.55× | -5.34% |
| Global Payments | GPN | Processing & Infrastructure | $82.82 | $21.92B | +69.7% | -9.1% | 12.4% | — | 2.14× | +9.65% |
| Circle Internet Group | CRCL | Crypto & Alternative Rails | $85.91 | $21.81B | +6.6% | 15.5% | 7.4% | — | 7.51× | +2.92% |
| Fidelity National Info Services | FIS | Processing & Infrastructure | $37.53 | $19.35B | +29.1% | 27.6% | 15.7% | 35.9% | 1.59× | -42.81% |
| Toast | TOST | Consumer & Merchant Platforms | $32.71 | $18.91B | +23.1% | 7.1% | 6.3% | 26.7% | 2.78× | -3.85% |
| SoFi Technologies | SOFI | Consumer & Merchant Platforms | $14.62 | $18.88B | +1.1% | 104.3% | 120.9% | — | 30.94× | -46.78% |
| Fair Isaac | FICO | Processing & Infrastructure | $815.31 | $17.61B | +25.7% | 34.1% | 51.7% | — | 7.36× | -50.38% |
| Jack Henry & Associates | JKHY | Processing & Infrastructure | $162.55 | $11.40B | +4.7% | 19.8% | 25.0% | — | 4.48× | -8.86% |
| Chime Financial | CHYM | Consumer & Merchant Platforms | $29.57 | $11.19B | +26.8% | -0.7% | -2.1% | 88.7% | 4.56× | +12.01% |
| Wise | WSETTM | Cross-Border Payments | $11.07 | $10.74B | +105.8% | 22.3% | 28.1% | 87.0% | — | -28.12% |
| ACI Worldwide | ACIW | Processing & Infrastructure | $55.88 | $5.64B | +7.3% | 12.4% | 18.6% | 49.1% | 3.10× | +22.36% |
| Remitly | RELY | Cross-Border Payments | $24.82 | $5.25B | +20.2% | 16.9% | 9.5% | — | 2.90× | +87.75% |
| Klarna | KLARTTM | Consumer & Merchant Platforms | $12.81 | $4.86B | — | -3.6% | -1.3% | — | — | -55.16% |
| Sezzle | SEZL | Consumer & Merchant Platforms | $132.12 | $4.46B | +51.7% | 5.3% | 40.4% | — | 8.39× | +102.79% |
| dLocal | DLO | Crypto & Alternative Rails | $15.06 | $4.43B | — | 16.2% | 20.0% | 37.7% | 4.39× | +7.04% |
| Paymentus Holdings | PAY | Processing & Infrastructure | $33.35 | $4.20B | +28.8% | 6.2% | 7.6% | 24.9% | 3.09× | +17.14% |
| Bread Financial Holdings | BFH | Issuing Banks & Lenders | $99.89 | $3.84B | +3.4% | 11.4% | 13.7% | — | 0.77× | +32.66% |
| PagSeguro Digital | PAGSTTM | Consumer & Merchant Platforms | $11.44 | $3.15B | +3.7% | 10.4% | 40.1% | 53.3% | — | +18.30% |
| Shift4 Payments | FOUR | Processing & Infrastructure | $38.79 | $3.06B | +34.0% | 2.8% | 8.1% | — | 0.64× | -38.11% |
| StoneCo | STNETTM | Consumer & Merchant Platforms | $11.48 | $2.65B | +2.3% | 23.2% | 49.0% | 73.3% | — | -21.85% |
| Euronet Worldwide | EEFT | Processing & Infrastructure | $65.59 | $2.45B | +3.2% | 6.6% | 11.5% | — | 0.56× | -11.48% |
| Flywire | FLYW | Cross-Border Payments | $19.40 | $2.40B | +27.2% | 4.8% | 5.5% | — | 3.36× | +39.57% |
| Upstart | UPST | Consumer & Merchant Platforms | $23.78 | $2.31B | +41.7% | 4.8% | 4.0% | — | 1.86× | -48.12% |
| Bancorp | TBBK | Issuing Banks & Lenders | $50.86 | $2.07B | -7.8% | 43.7% | 58.0% | — | 3.91× | -24.83% |
| Western Union | WU | Cross-Border Payments | $6.34 | $1.98B | -1.3% | 9.8% | 15.9% | — | 0.49× | -31.31% |
| Marqeta | MQ | Processing & Infrastructure | $18.85 | $1.96B | +17.0% | 1.5% | -1.9% | 70.0% | 2.90× | +2.08% |
| Happen | HAPN | Consumer & Merchant Platforms | $14.09 | $1.63B | +13.4% | 19.1% | 24.5% | — | 1.59× | -26.31% |
| Pagaya Technologies | PGY | Processing & Infrastructure | $19.09 | $1.59B | +18.6% | 9.1% | 24.9% | — | 1.15× | -14.34% |
| Green Dot Corporation | GDOT | Processing & Infrastructure | $12.36 | $704.3M | +18.2% | -1.1% | 0.3% | — | 0.31× | -1.90% |
| International Money Express | IMXI | Cross-Border Payments | $9.30 | $281.0M | -18.6% | 3.4% | 6.2% | — | 0.51× | -39.37% |
| Adyen | ADYEYTTM | Consumer & Merchant Platforms | $10.53 | — | +17.2% | 39.0% | 41.3% | 89.3% | — | -35.56% |
Market cap derived as latest close × shares outstanding. Revenue growth, gross margin, and price-to-sales use the trailing twelve months (sum of the four most recent reported quarters per SEC EDGAR XBRL data). YoY revenue growth compares the most recent quarter to the same quarter prior year. Price-to-Sales stands in for EV/Revenue until balance-sheet ingestion lands. Rows with partial coverage show “—”. Editorial only; not investment advice.