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U.S. Transaction and Payment Processing Services Industry Analysis

UpdatedNov 20, 2025
DataAggregated Company Financials
Companies53
  • 7D-1.1%
  • 3M-11.8%
  • 1Y-8.0%
  • YTDn/a

Over the last 7 days, the Transaction and Payment Processing Services industry has dropped 1.1%, driven by Mastercard declining 1.0%. However, the industry is down 8.0% over the past year. Looking forward, 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
Sat, 22 Nov 2025US$1.4tUS$227.8bUS$50.7b19.4x27.7x6.2x
Mon, 20 Oct 2025US$1.5tUS$222.6bUS$49.5b22.1x31.3x6.9x
Wed, 17 Sep 2025US$1.6tUS$222.5bUS$49.5b24.6x32.1x7.1x
Fri, 15 Aug 2025US$1.6tUS$219.6bUS$49.4b24.1x32.1x7.2x
Sun, 13 Jul 2025US$1.6tUS$210.6bUS$49.7b28.3x31.4x7.4x
Tue, 10 Jun 2025US$1.6tUS$209.4bUS$49.8b23.8x32.8x7.8x
Thu, 08 May 2025US$1.5tUS$208.3bUS$49.3b25x31.3x7.4x
Sat, 05 Apr 2025US$1.5tUS$205.9bUS$48.8b23.4x31.7x7.5x
Mon, 03 Mar 2025US$1.7tUS$205.8bUS$49.2b25.5x34.2x8.2x
Wed, 29 Jan 2025US$1.6tUS$201.8bUS$45.5b29.1x36x8.1x
Fri, 27 Dec 2024US$1.6tUS$201.6bUS$45.5b27.5x35.2x7.9x
Sun, 24 Nov 2024US$1.6tUS$201.9bUS$45.5b28.7x34.8x7.8x
Tue, 22 Oct 2024US$1.5tUS$197.5bUS$44.4b29x33.3x7.5x
Thu, 19 Sep 2024US$1.4tUS$197.8bUS$44.4b29.2x32.2x7.2x
Sat, 17 Aug 2024US$1.3tUS$197.3bUS$44.2b27x30.1x6.7x
Mon, 15 Jul 2024US$1.3tUS$194.2bUS$41.8b29.2x31.5x6.8x
Wed, 12 Jun 2024US$1.3tUS$194.3bUS$41.8b29.3x32.2x6.9x
Fri, 10 May 2024US$1.4tUS$193.9bUS$41.8b30.2x32.7x7.1x
Sun, 07 Apr 2024US$1.4tUS$189.6bUS$39.7b31.9x35.5x7.4x
Tue, 05 Mar 2024US$1.4tUS$193.7bUS$39.5b33.5x35.4x7.2x
Thu, 01 Feb 2024US$1.4tUS$194.8bUS$21.0b31.7x65.1x7x
Sat, 30 Dec 2023US$1.3tUS$193.9bUS$20.3b31.8x64.8x6.8x
Mon, 27 Nov 2023US$1.2tUS$193.8bUS$20.3b30.5x60.9x6.4x
Wed, 25 Oct 2023US$1.1tUS$188.6bUS$11.8b26.6x97.1x6.1x
Fri, 22 Sep 2023US$1.2tUS$184.5bUS$11.6b29.2x102.9x6.5x
Sun, 20 Aug 2023US$1.2tUS$184.4bUS$11.7b29.2x103.1x6.5x
Tue, 18 Jul 2023US$1.3tUS$179.6bUS$13.8b32.3x91.3x7x
Thu, 15 Jun 2023US$1.2tUS$179.6bUS$13.8b29.6x84.1x6.5x
Sat, 13 May 2023US$1.2tUS$179.2bUS$12.5b27.9x93.6x6.5x
Mon, 10 Apr 2023US$1.2tUS$174.5bUS$12.4b31x93.6x6.6x
Price to Earnings Ratio

92.7x


Total Market Cap: US$1.1tTotal 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 50.6x20242025
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 27.7x which is lower than its 3-year average PE of 50.6x.
  • The 3-year average PS ratio of 7.1x is higher than the industry's current PS ratio of 6.2x.
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 Market-2.08%
Financials-1.56%
Diversified Financial-1.05%
Transaction and Payment Processing Services-1.13%
Other Diversified Financial Services-0.77%
Multi-Sector Holdings-1.12%
Specialized Finance-5.84%
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
XYZ BlockUS$61.952.4%
+US$893.3m		-32.9%PE12x
CPAY CorpayUS$288.823.5%
+US$682.1m		-24.0%PE19.2x
JKHY Jack Henry & AssociatesUS$170.804.1%
+US$490.7m		-1.0%PE25.7x
WEX WEXUS$146.056.7%
+US$313.4m		-21.2%PE17.7x
EEFT Euronet WorldwideUS$73.323.8%
+US$112.7m		-30.5%PE10.2x

Latest News

PYPL
US$60.57
PayPal Holdings
7D
-3.6%
1Y
-30.2%
MA
US$540.40
Mastercard
7D
-1.0%
1Y
3.8%

MA: Digital Payment Momentum Will Drive Gains As Blockchain Expansion Accelerates

Mastercard's analyst price target has increased modestly to approximately $656.51. This reflects analysts' optimism following strong recent results, consistent digital payment growth, and ongoing positive trends highlighted in recent research updates.
XYZ
US$61.95
Block
7D
2.4%
1Y
-32.9%

Negative sentiment has been priced in

What has happened since September? Share price fell after the Q3 earnings missed expectations, even though the business is doing better.
EEFT
US$73.32
Euronet Worldwide
7D
3.8%
1Y
-30.5%

EEFT: Consumer Spending Resilience Will Support Defensive Outperformance Ahead

Analysts have modestly lowered their price targets for Euronet Worldwide, with recent adjustments reflecting Q3 results and ongoing economic uncertainty. These adjustments include a reduction from $100 to $95 and from $134 to $133.
V
US$327.98
Visa
7D
-0.6%
1Y
5.8%
KLAR
US$29.07
Klarna Group
7D
-15.2%
1Y
n/a
FISV
US$60.84
Fiserv
7D
-4.1%
1Y
-72.5%

FISV: Future Performance Will Depend On Evolving Recurring Revenue Strategy

Analysts have significantly reduced their price targets for Fiserv, with fair value estimates falling from approximately $107 to $96 per share. They cite sharply lower revenue growth expectations, margin pressures, and a strategic reset following a period of over-optimistic guidance and management transition.
WEX
US$146.05
WEX
7D
6.7%
1Y
-21.2%

WEX: Revenue Guidance Increases And New Partnerships Will Drive Further Upside

Analysts have slightly lowered their price target for WEX, adjusting it from $178 to approximately $177.44. They cite modest shifts in revenue growth expectations and profitability margins as the reason for this change.
TOST
US$33.95
Toast
7D
-5.4%
1Y
-20.6%

TOST: Expansion Into New Restaurant Markets Will Drive Continued Momentum

Analysts have revised Toast's fair value estimate downward by approximately $1 to $47.35 per share. They cited strong recent results but also expressed caution regarding macroeconomic uncertainty and a more conservative long-term outlook.
CPAY
US$288.82
Corpay
7D
3.5%
1Y
-24.0%

CPAY: Future Earnings And Partnerships Will Drive Shareholder Confidence Amid Stablecoin Uncertainty

Analysts have lowered their fair value estimate for Corpay from $368.50 to $350.00. They cited solid growth, ongoing concerns about stablecoin impacts, and a reduced valuation multiple as reasons for this adjustment.
NATL
US$35.61
NCR Atleos
7D
0.8%
1Y
13.0%
JKHY
US$170.80
Jack Henry & Associates
7D
4.1%
1Y
-1.0%

JKHY: Fiscal 2026 Guidance And Sector Pressures Will Shape Outlook

The average analyst price target for Jack Henry & Associates has edged higher to $179.17 from $177, as analysts cited modest forecast improvements and a solid sales pipeline, despite ongoing sector headwinds. Analyst Commentary Recent street research on Jack Henry & Associates reflects both optimism and caution among analysts as the company navigates persistent sector challenges.
PAGS
US$9.68
PagSeguro Digital
7D
3.1%
1Y
21.9%
PAY
US$33.41
Paymentus Holdings
7D
-11.4%
1Y
-8.3%

Paymentus Holdings, Inc.'s (NYSE:PAY) P/E Is Still On The Mark Following 28% Share Price Bounce

Nov 13
Paymentus Holdings, Inc.'s (NYSE:PAY) P/E Is Still On The Mark Following 28% Share Price Bounce
AFRM
US$64.38
Affirm Holdings
7D
-8.7%
1Y
-3.3%
SEZL
US$54.44
Sezzle
7D
4.4%
1Y
-29.6%

SEZL: Sustained Execution In Underserved Markets Will Drive Long-Term Expansion

Analysts have revised Sezzle’s fair value estimate downward from $119.25 to $108.50. They cite slightly slower revenue growth projections and ongoing competition among buy now, pay later providers as the main reasons for this change.