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U.S. Transaction and Payment Processing Services Industry Analysis

UpdatedJan 22, 2026
DataAggregated Company Financials
Companies53
  • 7D-2.5%
  • 3M-9.3%
  • 1Y-9.3%
  • YTDn/a

Over the last 7 days, the Transaction and Payment Processing Services industry has dropped 2.5%, driven by a pullback from Mastercard of 3.5%. Overall the industry is down 9.3% in 12 months. 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
Thu, 22 Jan 2026US$1.4tUS$228.1bUS$50.3b21.2x28.3x6.2x
Sat, 20 Dec 2025US$1.5tUS$227.8bUS$50.3b21.8x30x6.6x
Mon, 17 Nov 2025US$1.4tUS$227.3bUS$50.7b19.7x28.6x6.4x
Wed, 15 Oct 2025US$1.6tUS$222.9bUS$49.5b22.2x31.4x7x
Fri, 12 Sep 2025US$1.6tUS$222.9bUS$49.5b24.9x31.9x7.1x
Sun, 10 Aug 2025US$1.6tUS$219.3bUS$50.5b21.4x30.8x7.1x
Tue, 08 Jul 2025US$1.6tUS$210.7bUS$49.7b29.4x32.6x7.7x
Thu, 05 Jun 2025US$1.6tUS$209.3bUS$49.8b22.7x32.3x7.7x
Sat, 03 May 2025US$1.5tUS$208.1bUS$49.2b26.3x31x7.3x
Mon, 31 Mar 2025US$1.6tUS$206.0bUS$48.8b25.5x32.2x7.6x
Wed, 26 Feb 2025US$1.6tUS$205.7bUS$49.1b29.1x33.4x8x
Fri, 24 Jan 2025US$1.6tUS$201.7bUS$45.5b28.1x35x7.9x
Sun, 22 Dec 2024US$1.6tUS$201.7bUS$45.5b27.3x34.7x7.8x
Tue, 19 Nov 2024US$1.6tUS$202.0bUS$45.6b27.8x34.3x7.7x
Thu, 17 Oct 2024US$1.5tUS$197.6bUS$44.4b29.1x33x7.4x
Sat, 14 Sep 2024US$1.4tUS$197.6bUS$44.4b29x31.6x7.1x
Mon, 12 Aug 2024US$1.3tUS$197.2bUS$44.1b26.3x29.3x6.5x
Wed, 10 Jul 2024US$1.3tUS$194.2bUS$41.8b28.6x31.5x6.8x
Fri, 07 Jun 2024US$1.3tUS$194.4bUS$41.8b29.7x32x6.9x
Sun, 05 May 2024US$1.3tUS$193.4bUS$41.7b29.9x32x6.9x
Tue, 02 Apr 2024US$1.4tUS$189.6bUS$39.7b32.1x36x7.6x
Thu, 29 Feb 2024US$1.4tUS$193.6bUS$39.5b33.9x35.7x7.3x
Sat, 27 Jan 2024US$1.3tUS$194.8bUS$21.0b31.6x63.6x6.9x
Mon, 25 Dec 2023US$1.3tUS$193.9bUS$20.3b31.9x64.2x6.7x
Wed, 22 Nov 2023US$1.2tUS$193.8bUS$20.3b30.2x59.7x6.3x
Fri, 20 Oct 2023US$1.2tUS$184.4bUS$11.6b28.2x99.8x6.3x
Sun, 17 Sep 2023US$1.2tUS$184.6bUS$11.7b30.5x106.2x6.7x
Tue, 15 Aug 2023US$1.2tUS$184.2bUS$10.8b31.6x113.6x6.7x
Thu, 13 Jul 2023US$1.2tUS$179.6bUS$13.8b32.1x90.6x7x
Sat, 10 Jun 2023US$1.2tUS$179.5bUS$13.8b29.2x83.6x6.4x
Mon, 08 May 2023US$1.2tUS$178.0bUS$12.5b30.7x95.6x6.7x
Wed, 05 Apr 2023US$1.2tUS$174.4bUS$12.4b31.2x94.1x6.7x
Price to Earnings Ratio

91x


Total Market Cap: US$1.1tTotal Earnings: US$12.4bTotal Revenue: US$174.3bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Transaction and Payment Processing Services Industry Price to Earnings3Y Average 49.4x202420252026
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 28.3x which is lower than its 3-year average PE of 49.4x.
  • The 3-year average PS ratio of 7.0x 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 9.4% 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-0.93%
Financials-0.82%
Diversified Financial-2.28%
Transaction and Payment Processing Services-2.45%
Specialized Finance-0.99%
Multi-Sector Holdings-1.98%
Other Diversified Financial Services-2.75%
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
CHYM Chime FinancialUS$27.004.5%
+US$434.5m		n/aPS4.9x
PYPL PayPal HoldingsUS$57.150.7%
+US$383.6m		-36.3%PE10.9x
AFRM Affirm HoldingsUS$72.841.4%
+US$338.3m		28.3%PE103.1x
STNE StoneCoUS$16.088.7%
+US$336.6m		87.9%PS1.6x
FISV FiservUS$67.400.9%
+US$333.5m		-67.4%PE10.1x

Latest News

CPAY
US$327.14
Corpay
7D
-1.1%
1Y
-13.3%
NATL
US$38.51
NCR Atleos
7D
-5.4%
1Y
18.3%
PYPL
US$57.15
PayPal Holdings
7D
0.7%
1Y
-36.3%

PYPL: AI Commerce And ChatGPT Wallet Integration Will Support Future Upside

Analysts have trimmed their blended price target on PayPal Holdings to about $73 from roughly $77. This reflects slightly lower assumptions for revenue growth, profit margins, and future P/E, as recent research has emphasized tempered expectations for branded checkout momentum and market share.
PAGS
US$10.93
PagSeguro Digital
7D
6.8%
1Y
64.9%
JKHY
US$188.70
Jack Henry & Associates
7D
-1.3%
1Y
8.4%
GPN
US$75.94
Global Payments
7D
1.3%
1Y
-29.6%
FISV
US$67.40
Fiserv
7D
0.9%
1Y
-67.4%

FISV: Future Upside Will Rely On Recurring Revenue And Execution Reset

Analysts have reduced their Fiserv fair value estimate by about US$1.75 per share. This reflects lower assumed revenue growth, slightly higher discount rates, and reduced price targets across the Street that indicate a reset of expectations following recent earnings and guidance changes.
SEZL
US$68.07
Sezzle
7D
-1.9%
1Y
71.1%

SEZL: Share Repurchases And Index Inclusion Will Support Future Upside

Analysts reduced their fair value estimate for Sezzle from $108.50 to $103.25 and noted sector-wide adjustments to specialty finance price targets, reflecting updated views on macro conditions and on segments such as buy now, pay later and other non-prime lending categories. Analyst Commentary Recent research updates on Sezzle focus on recalibrating price targets within specialty finance, with analysts aligning Sezzle’s valuation with their broader sector outlook across buy now, pay later, non prime lending, and other credit categories.
FIS
US$61.30
Fidelity National Information Services
7D
-3.4%
1Y
-22.7%

New Forecasts: Here's What Analysts Think The Future Holds For Fidelity National Information Services, Inc. (NYSE:FIS)

Jan 16
New Forecasts: Here's What Analysts Think The Future Holds For Fidelity National Information Services, Inc. (NYSE:FIS)
TOST
US$34.21
Toast
7D
1.3%
1Y
-14.5%
V
US$326.36
Visa
7D
-0.4%
1Y
-0.6%
AFRM
US$72.84
Affirm Holdings
7D
1.4%
1Y
28.3%
CHYM
US$27.00
Chime Financial
7D
4.5%
1Y
n/a
MA
US$532.86
Mastercard
7D
-1.8%
1Y
-0.3%
STNE
US$16.08
StoneCo
7D
8.7%
1Y
87.9%

STNE: Leadership Transition And Excess Capital Returns Will Shape Future Risk Reward

Analysts have raised their fair value estimate for StoneCo to $16.05 from $15.52. They cite updated assumptions around revenue growth, profit margins, future P/E and capital allocation following recent commentary that the stock remains attractively valued with significant excess capital.
DLO
US$13.93
DLocal
7D
-4.5%
1Y
17.6%

DLO: UBS Price Lift And Improved Assumptions Will Support Constructive Repricing

Analysts have increased their fair value estimate for DLocal from US$18.50 to US$21.00, citing updated assumptions around growth, profitability and P/E expectations, as well as a higher Street price target following the recent UBS move to US$15. Analyst Commentary Recent Street research has added a more constructive tone around DLocal, with bullish analysts pointing to updated expectations on valuation and execution.