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U.S. Diversified Financial Industry Analysis

UpdatedDec 25, 2025
DataAggregated Company Financials
Companies134
  • 7D1.3%
  • 3M0.6%
  • 1Y2.6%
  • YTD4.4%

In the last week, the Diversified Financial industry is up 1.1%, with Visa up 3.1%. Overall in the last year, the industry is flat. As for the next few years, earnings are expected to grow by 8.7% per annum.

Industry Valuation and Performance

Has the U.S. Diversified Financial Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 25 Dec 2025US$2.9tUS$695.1bUS$126.9b13.9x22.6x4.1x
Sat, 22 Nov 2025US$2.7tUS$696.6bUS$127.4b13.2x21.2x3.9x
Mon, 20 Oct 2025US$2.8tUS$687.0bUS$120.0b16.4x23.6x4.1x
Wed, 17 Sep 2025US$2.9tUS$689.2bUS$120.6b16.7x24x4.2x
Fri, 15 Aug 2025US$2.9tUS$686.4bUS$120.7b15.9x23.7x4.2x
Sun, 13 Jul 2025US$2.8tUS$680.6bUS$141.3b16.3x19.7x4.1x
Tue, 10 Jun 2025US$2.9tUS$679.4bUS$141.4b15.4x20.6x4.3x
Thu, 08 May 2025US$2.9tUS$673.8bUS$141.6b14.5x20.2x4.2x
Sat, 05 Apr 2025US$2.9tUS$672.3bUS$151.9b13.9x19x4.3x
Mon, 03 Mar 2025US$3.0tUS$673.0bUS$152.2b16.6x19.8x4.5x
Wed, 29 Jan 2025US$2.9tUS$667.8bUS$160.1b18.5x18.1x4.3x
Fri, 27 Dec 2024US$2.8tUS$667.6bUS$160.0b17.7x17.6x4.2x
Sun, 24 Nov 2024US$2.8tUS$667.7bUS$160.1b18.6x17.8x4.3x
Tue, 22 Oct 2024US$2.7tUS$660.6bUS$127.9b15.5x21.2x4.1x
Thu, 19 Sep 2024US$2.6tUS$660.8bUS$128.0b15.9x20.6x4x
Sat, 17 Aug 2024US$2.5tUS$660.4bUS$127.8b15.7x19.6x3.8x
Mon, 15 Jul 2024US$2.4tUS$663.3bUS$131.7b14.8x18.5x3.7x
Wed, 12 Jun 2024US$2.4tUS$673.5bUS$131.5b14.2x18.5x3.6x
Fri, 10 May 2024US$2.4tUS$673.5bUS$131.4b14.6x18.6x3.6x
Sun, 07 Apr 2024US$2.5tUS$659.2bUS$147.9b14.8x17x3.8x
Tue, 05 Mar 2024US$2.4tUS$663.0bUS$147.4b15.1x16.6x3.7x
Thu, 01 Feb 2024US$2.4tUS$649.4bUS$107.7b16.6x22.1x3.7x
Sat, 30 Dec 2023US$2.3tUS$648.7bUS$107.0b14x21.3x3.5x
Mon, 27 Nov 2023US$2.2tUS$648.6bUS$107.0b13.5x20.4x3.4x
Wed, 25 Oct 2023US$2.0tUS$627.8bUS$107.2b12.1x19x3.2x
Fri, 22 Sep 2023US$2.1tUS$622.1bUS$106.8b12.5x20.1x3.4x
Sun, 20 Aug 2023US$2.1tUS$621.6bUS$106.8b13.1x19.9x3.4x
Tue, 18 Jul 2023US$2.2tUS$598.0bUS$31.2b11.9x69.1x3.6x
Thu, 15 Jun 2023US$2.0tUS$598.0bUS$31.2b10.8x65.3x3.4x
Sat, 13 May 2023US$2.0tUS$596.9bUS$30.0b11.2x66.9x3.4x
Mon, 10 Apr 2023US$2.0tUS$583.6bUS$7.5b9.2x263.6x3.4x
Wed, 08 Mar 2023US$765.2bUS$386.6b-US$10,243,849,507.006.6x-74.7x2x
Fri, 03 Feb 2023US$772.6bUS$382.3bUS$17.0b6.9x45.5x2x
Sun, 01 Jan 2023US$757.2bUS$382.3bUS$17.0b5.4x44.6x2x
Price to Earnings Ratio

44.6x


Total Market Cap: US$757.2bTotal Earnings: US$17.0bTotal Revenue: US$382.3bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Diversified Financial Industry Price to Earnings3Y Average 33.8x202320242025
Current Industry PE
  • Investors are pessimistic on the American Diversified Financial industry, indicating that they anticipate long term growth rates will be lower than they have historically.
  • The industry is trading at a PE ratio of 22.5x which is lower than its 3-year average PE of 33.8x.
  • The 3-year average PS ratio of 3.7x is lower than the industry's current PS ratio of 4.1x.
Past Earnings Growth
  • The earnings for companies in the Diversified Financial industry have grown 96% per year over the last three years.
  • Revenues for these companies have grown 22% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

Which industries have driven the changes within the U.S. Financials industry?

US Market3.10%
Financials2.21%
Diversified Financial1.30%
Transaction and Payment Processing Services2.56%
Other Diversified Financial Services1.36%
Specialized Finance0.89%
Multi-Sector Holdings-0.64%
Industry PE
  • Investors are most optimistic about the Transaction and Payment Processing Services industry even though it's trading below its 3-year average PE ratio of 49.9x.
    • Analysts are expecting annual earnings growth of 13.9%, which is lower than the prior year's growth of 15.6% per year.
  • Investors are most pessimistic about the Multi-Sector Holdings industry, although it looks like investor sentiment has improved given that it's trading above its 3-year average.
Forecasted Growth
  • Analysts are most optimistic on the Other Diversified Financial Services industry, expecting annual earnings growth of 34% over the next 5 years.
  • This is better than its past earnings growth rate of 13% per year.
  • In contrast, the Multi-Sector Holdings industry is expected to see its earnings decline by 5.4% per year over the next few years.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
V VisaUS$355.143.1%
+US$20.5b		10.8%PE34.2x
MA MastercardUS$579.452.5%
+US$12.6b		8.2%PE36.5x
RKT Rocket CompaniesUS$19.457.1%
+US$3.6b		75.1%PS9x
APO Apollo Global ManagementUS$148.851.7%
+US$1.4b		-14.9%PE21.3x
XYZ BlockUS$66.053.6%
+US$1.4b		-27.5%PE12.8x

Latest News

OWLS
US$6.34
Obook Holdings
7D
-11.1%
1Y
n/a
FISV
US$67.95
Fiserv
7D
-0.6%
1Y
-67.6%
V
US$355.14
Visa
7D
3.1%
1Y
10.8%

V: Stablecoin Expansion Will Sustain Durable Network Moat In Coming Years

Analysts have nudged their blended price target on Visa slightly lower by about $0.45 per share to roughly $395, as a modestly higher discount rate partially offsets improving expectations for revenue growth, profit margins, and the long term earnings multiple. This outlook is supported by recent Buy and Overweight initiations that highlight the company's network scale, brand strength, and favorable cross border and pricing trends.
XYZ
US$66.05
Block
7D
3.6%
1Y
-27.5%

XYZ Risks Around Seller Profit Trends Will Constrain Upside Ahead

Analysts have nudged our fair value estimate for Block higher to about $58 from roughly $55, reflecting increased conviction in the company’s medium term growth algorithm, accelerating topline momentum, and improving ecosystem trends despite some near term execution concerns. Analyst Commentary Recent Street research on Block presents a mixed backdrop, with constructive views on the company’s long term positioning tempered by heightened scrutiny of near term execution and valuation.
PAYO
US$5.66
Payoneer Global
7D
-4.1%
1Y
-44.2%

PAYO: Take Rate Expansion And Buybacks Will Drive Stronger Long-Term Upside

Analysts have reduced their price target on Payoneer Global to $7.00 from $9.00, citing expectations for slower marketplace volumes and moderating ex float growth, while noting that take rate expansion and improving profitability continue to support a constructive long term outlook. Analyst Commentary Bullish analysts highlighted that Payoneer continues to deliver solid execution, with mid-teens ex float growth driven by ongoing take rate expansion even as marketplace volumes decelerate.
MA
US$579.45
Mastercard
7D
2.5%
1Y
8.2%

MA: Expanding Digital And Cross-Border Payments Will Drive Future Upside

Analysts have nudged our fair value estimate for Mastercard modestly higher to approximately $657 from about $656, citing a wave of rising Street price targets grounded in solid quarterly results, resilient spending trends, and the companys expanding role in high growth digital and cross border payments. Analyst Commentary Bullish analysts have highlighted Mastercard's strong execution and durable growth profile as key reasons for revising price targets higher, reinforcing the view that the company can sustain premium valuation multiples.
APO
US$148.85
Apollo Global Management
7D
1.7%
1Y
-14.9%
JKHY
US$185.18
Jack Henry & Associates
7D
-1.5%
1Y
4.6%

JKHY: Core Share Gains And Fiscal 2026 Outlook Will Shape Future Performance

Analysts have nudged their blended price target on Jack Henry & Associates modestly higher, from approximately $181 to $188 per share, citing a more favorable discount rate, slightly higher long term multiple assumptions, and growing confidence in mid term core share gains, despite only incremental tweaks to revenue growth and margin forecasts. Analyst Commentary Recent Street research on Jack Henry reflects a constructive but selective stance, with bullish analysts highlighting accelerating core share gains and earnings leverage, while more cautious voices focus on valuation risk and sector headwinds.
TOST
US$36.49
Toast
7D
2.8%
1Y
-4.9%

TOST: U S Restaurant Share Gains Will Drive Future Fintech Pricing Power

Analysts nudged their average price target on Toast slightly higher to the mid $40s, citing resilient recurring revenue growth, improving profitability, and conservative longer term guidance as supportive of modest upside despite a series of modest target cuts and ongoing macro uncertainty. Analyst Commentary Street research paints a nuanced picture for Toast, with most firms trimming price targets while still acknowledging strong execution and an attractive long term growth runway.
WU
US$9.35
Western Union
7D
-3.1%
1Y
-11.6%

Western Union (NYSE:WU) Has Affirmed Its Dividend Of $0.235

Dec 15
Western Union (NYSE:WU) Has Affirmed Its Dividend Of $0.235
RKT
US$19.45
Rocket Companies
7D
7.1%
1Y
75.1%

RKT: Faster Revenue Outlook Will Support Stronger Long Term Earnings Power

Analysts have raised their price target on Rocket Companies from approximately 24.13 dollars to 25.00 dollars, citing expectations for significantly faster revenue growth despite projecting somewhat lower long term profit margins and a slightly higher discount rate. Valuation Changes Fair Value Estimate has risen slightly from approximately $24.13 to $25.00 per share.
GPN
US$81.19
Global Payments
7D
-1.3%
1Y
-28.1%

GPN: Worldpay Integration Risks Will Limit Upside Despite Growing Business Momentum

Analysts have raised their fair value estimate for Global Payments by $5 to $70 per share, citing improving profitability, a slightly lower risk profile, and growing confidence in the strategic momentum of Genius and the pending Worldpay acquisition, as reflected in a series of recent price target increases and new positive initiations. Analyst Commentary Recent Street research has skewed positive on Global Payments, with multiple firms raising price targets and initiating with favorable ratings.
AFRM
US$75.99
Affirm Holdings
7D
5.5%
1Y
15.3%

AFRM: Expanding Platform Partnerships Will Drive Future Upside Momentum

Analysts have modestly trimmed their price target on Affirm Holdings, with the average estimate easing by a few dollars to the mid to high $80s range as they recalibrate valuations to lower peer multiples. At the same time, they are citing resilient consumer demand, strengthening profitability and reinforcing growth drivers from deepening partnerships with platforms like Amazon and Apple Pay, along with international expansion.
CHYM
US$26.63
Chime Financial
7D
7.8%
1Y
n/a
BRK.A
US$751,245.04
Berkshire Hathaway
7D
-0.6%
1Y
9.3%
MBIN
US$33.85
Merchants Bancorp
7D
-6.5%
1Y
-6.8%