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U.S. Transaction and Payment Processing Services Industry Analysis

UpdatedDec 07, 2025
DataAggregated Company Financials
Companies54
  • 7D-0.6%
  • 3M-8.1%
  • 1Y-6.7%
  • YTDn/a

Over the last 7 days, the Transaction and Payment Processing Services industry has remained flat, although notably Fiserv gained 7.8%. As for the longer term, the industry has declined 6.7% in the last year. Earnings are forecast to grow by 14% annually.

Industry Valuation and Performance

Has the U.S. Transaction and Payment Processing Services Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 07 Dec 2025US$1.5tUS$227.9bUS$50.3b20.7x29x6.4x
Tue, 04 Nov 2025US$1.5tUS$225.7bUS$50.4b20.7x29.7x6.6x
Thu, 02 Oct 2025US$1.6tUS$222.4bUS$49.5b23x31.6x7x
Sat, 30 Aug 2025US$1.6tUS$219.9bUS$49.6b25.6x32.7x7.4x
Mon, 28 Jul 2025US$1.6tUS$211.0bUS$49.8b23.3x32.3x7.6x
Wed, 25 Jun 2025US$1.6tUS$211.3bUS$49.8b25.2x31.9x7.5x
Fri, 23 May 2025US$1.6tUS$209.3bUS$49.8b24.3x31.7x7.5x
Sun, 20 Apr 2025US$1.5tUS$206.0bUS$48.8b23.7x30.8x7.3x
Tue, 18 Mar 2025US$1.5tUS$206.1bUS$49.3b24.3x31.2x7.5x
Thu, 13 Feb 2025US$1.7tUS$204.6bUS$46.9b30.6x35.6x8.2x
Sat, 11 Jan 2025US$1.6tUS$201.6bUS$45.5b26.3x34.2x7.7x
Mon, 09 Dec 2024US$1.6tUS$201.7bUS$45.5b29.2x34.9x7.9x
Wed, 06 Nov 2024US$1.5tUS$200.5bUS$45.2b27.8x32.2x7.3x
Fri, 04 Oct 2024US$1.4tUS$197.7bUS$44.4b28x31.5x7.1x
Sun, 01 Sep 2024US$1.4tUS$197.6bUS$44.4b28x31.2x7x
Tue, 30 Jul 2024US$1.3tUS$195.2bUS$42.7b29.2x29.8x6.5x
Thu, 27 Jun 2024US$1.3tUS$194.1bUS$41.8b28.5x32x6.9x
Sat, 25 May 2024US$1.3tUS$194.3bUS$41.8b29.5x32.1x6.9x
Mon, 22 Apr 2024US$1.4tUS$189.5bUS$39.7b31x34.1x7.1x
Wed, 20 Mar 2024US$1.4tUS$193.9bUS$39.7b32.6x36.2x7.4x
Fri, 16 Feb 2024US$1.4tUS$196.3bUS$22.1b34.7x62.5x7x
Sun, 14 Jan 2024US$1.3tUS$193.9bUS$20.3b31.3x64.7x6.8x
Tue, 12 Dec 2023US$1.3tUS$193.8bUS$20.3b31.4x62.6x6.6x
Thu, 09 Nov 2023US$1.2tUS$192.9bUS$20.5b27.1x57.7x6.1x
Sat, 07 Oct 2023US$1.2tUS$184.3bUS$11.6b29.1x101.5x6.4x
Mon, 04 Sep 2023US$1.3tUS$184.5bUS$11.6b30.3x108.2x6.8x
Wed, 02 Aug 2023US$1.3tUS$181.9bUS$16.2b31.2x77.1x6.9x
Fri, 30 Jun 2023US$1.2tUS$179.6bUS$13.8b30.1x86.9x6.7x
Sun, 28 May 2023US$1.1tUS$179.4bUS$13.8b28.4x83.2x6.4x
Tue, 25 Apr 2023US$1.2tUS$174.5bUS$12.4b32.5x95.8x6.8x
Price to Earnings Ratio

94.1x


Total Market Cap: US$1.2tTotal Earnings: US$12.4bTotal Revenue: US$174.4bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Transaction and Payment Processing Services Industry Price to Earnings3Y Average 50.3x20242025
Current Industry PE
  • Investors are pessimistic on the American Transaction and Payment Processing Services 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 29.0x which is lower than its 3-year average PE of 50.3x.
  • The industry is trading close to its 3-year average PS ratio of 7.1x.
Past Earnings Growth
  • The earnings for companies in the Transaction and Payment Processing Services industry have grown 60% per year over the last three years.
  • Revenues for these companies have grown 9.3% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Comparison

How does U.S. Transaction and Payment Processing Services compare with similar industries?

US Market0.50%
Financials0.62%
Diversified Financial-1.05%
Transaction and Payment Processing Services-0.61%
Other Diversified Financial Services3.07%
Specialized Finance-0.22%
Multi-Sector Holdings-1.86%
Industry PEThere are no additional sub-industries under this industry.
Forecasted GrowthThere are no additional sub-industries under this industry.

Top Stock Gainers and Losers

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

CompanyLast Price7D1YValuation
FISV FiservUS$66.287.8%
+US$2.6b		-68.0%PE9.9x
CHYM Chime FinancialUS$24.1214.2%
+US$1.1b		n/aPS4.4x
CPAY CorpayUS$310.645.0%
+US$1.0b		-15.1%PE20.7x
TOST ToastUS$35.674.3%
+US$870.2m		-8.1%PE76.8x
GPN Global PaymentsUS$78.854.1%
+US$731.5m		-33.1%PE11.4x

Latest News

GPN
US$78.85
Global Payments
7D
4.1%
1Y
-33.1%
PAGS
US$9.80
PagSeguro Digital
7D
-6.5%
1Y
37.8%

PAGS: Capital Returns And Margin Improvements Will Drive Bullish Repricing Ahead

Analysts nudged their average price target on PagSeguro Digital higher to about $11.80 from roughly $11.20, citing a modestly lower discount rate, slightly richer future earnings multiples, and improving profit margin expectations despite tempered revenue growth assumptions and ongoing debate around execution risk and the pace of recovery after a challenging Q3. Analyst Commentary Analysts remain divided on PagSeguro Digital, with some highlighting attractive upside after the recent reset in expectations and others emphasizing ongoing execution and growth risks following a difficult stretch of operating results.
PYPL
US$62.28
PayPal Holdings
7D
-0.7%
1Y
-30.7%

PYPL: AI Commerce Partnerships Will Drive Future Upside Potential

Analysts have modestly raised their price target on PayPal Holdings to a range of about $80 to $100 per share, reflecting greater confidence in accelerating revenue growth, improving contributions from unbranded processing and Buy Now, Pay Later, and new AI driven partnerships, even as they temper expectations for near term profitability and valuation multiples. Analyst Commentary Recent research commentary reflects a more constructive stance on PayPal, with several bullish analysts raising price targets into the high $70s to low $100s as execution improves across core and newer initiatives.
MA
US$545.52
Mastercard
7D
-0.9%
1Y
3.2%

MA: Digital And Cross-Border Payment Momentum Will Drive Future Upside

Analysts have nudged their price targets on Mastercard higher, with recent increases of roughly $45 to $70 per share into the high $600s and low $700s. They cite strong quarterly results, Mastercard's role in accelerating digital and cross border payments, and a clean execution backdrop that supports only minor tweaks to key valuation inputs.
JKHY
US$181.71
Jack Henry & Associates
7D
4.1%
1Y
5.0%
FISV
US$66.28
Fiserv
7D
7.8%
1Y
-68.0%
V
US$331.24
Visa
7D
-1.0%
1Y
6.5%
FIS
US$66.66
Fidelity National Information Services
7D
1.4%
1Y
-21.9%
SEZL
US$68.39
Sezzle
7D
10.8%
1Y
13.3%
TOST
US$35.67
Toast
7D
4.3%
1Y
-8.1%

TOST: U S Restaurant Market Share Gains Will Drive Sustained Upside Momentum

Analysts have revised their average price target for Toast downward by several dollars. The new expectations are now in the mid-$40s range, with analysts citing strong recent performance as well as increased caution over macro uncertainty and future earnings outlooks.
CPAY
US$310.64
Corpay
7D
5.0%
1Y
-15.1%

CPAY: Share Buybacks And Partnerships Will Drive Upside Amid Stablecoin Concerns

Corpay’s analyst price target has risen slightly from $350.00 to $351.25, as analysts point to solid execution despite ongoing concerns about the impact of stablecoins on growth and profit margins. Analyst Commentary Recent street research highlights a mix of optimism and caution among analysts covering Corpay, reflecting both strong quarterly execution and sustained market uncertainties.
AFRM
US$67.99
Affirm Holdings
7D
-4.2%
1Y
-5.4%

AFRM: Expanding Partnerships And International Access Will Drive Upside Momentum

Affirm Holdings' analyst price target has been revised downward from approximately $96 to $93 per share. Analysts cite adjustments to peer valuations and sector multiples, even as they note stronger projected revenue growth and an improved profit margin outlook.
FOUR
US$68.88
Shift4 Payments
7D
-6.6%
1Y
-33.6%

FOUR: Upcoming Buyback Authorization And Sports Expansions Will Drive Shareholder Value

Analysts have slightly reduced their average price target for Shift4 Payments, lowering it by less than $1 as they factor in moderate updates to growth estimates and profit margins because of near-term uncertainties in core verticals. Analyst Commentary Analyst sentiment on Shift4 Payments is mixed, with recent research reflecting both optimism about the company’s long-term prospects and caution surrounding near-term risks.
STNE
US$14.68
StoneCo
7D
-12.9%
1Y
60.3%

STNE: Future Buybacks And Earnings Momentum Will Drive Shareholder Value

StoneCo’s analyst price target has been lifted from $15 to a range of $20 to $25 per share, reflecting improved earnings estimates and analyst confidence in the company’s ongoing capital returns to shareholders. Analyst Commentary Analysts covering StoneCo have recently adjusted their price targets significantly higher, reflecting growing optimism about the company's fundamentals and outlook.
XYZ
US$61.11
Block
7D
-8.5%
1Y
-37.8%

XYZ: U S Payment Volume Acceleration Will Drive Renewed Upside Momentum This Year

Block's analyst price target has been modestly reduced from $88.51 to $84.01, as analysts weigh mixed signals from recent earnings and evolving growth forecasts. Analyst Commentary Recent Street research reflects a range of views regarding Block's outlook and market positioning, with analysts weighing the company’s evolving operational momentum against execution risks and sector headwinds.
CHYM
US$24.12
Chime Financial
7D
14.2%
1Y
n/a