The Payments Corner
Decifrando a stack de pagamentosDecifrando a stack de pagamentos
PT
Todas as empresas.
Ordene o universo de pagamentos de 50 nomes por preço, capitalização de mercado, crescimento de receita LTM, margem líquida / operacional / bruta, preço/vendas ou retorno YTD. Busque qualquer ticker, empresa ou setor. Entre em qualquer nome para o brief editorial da TPC.
Preços em 2026-10-23· LTM até 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% |
A capitalização de mercado é derivada como o último fechamento × ações em circulação. O crescimento da receita, a margem bruta e o preço/vendas usam os últimos doze meses (soma dos quatro trimestres reportados mais recentes conforme os dados XBRL da SEC EDGAR). O crescimento anual da receita compara o trimestre mais recente com o mesmo trimestre do ano anterior. O preço/vendas substitui EV/Receita até a ingestão do balanço patrimonial. Linhas com cobertura parcial mostram “—”. Apenas editorial; não é recomendação de investimento.