| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| VVisa Inc. | 2.88B | 320.14 | 31.39 | 11.34% | 50.14% | 53.62% | 100% | 0.66 |
| MAMastercard Incorporated | 457.84B | 517.21 | 31.31 | 16.42% | 45.65% | 193.01% | 3.75% | 2.45 |
| AXPAmerican Express Company | 212.83B | 308.90 | 22.03 | 10.15% | 13.65% | 32.52% | 5.7% | 1.69 |
| PYPLPayPal Holdings, Inc. | 42.51B | 46.21 | 8.54 | 4.85% | 15.7% | 25.83% | 13.09% | 0.49 |
| PMTSCPI Card Group Inc. | 139.67M | 12.27 | 7.48 | 8.11% | 4.06% | 24.38% | ||
| WUThe Western Union Company | 3.04B | 9.63 | 6.29 | -4% | 12.36% | 52.16% | 12.92% | |
| CURRCurrenc Group, Inc. | 160.12M | 2.09 | -2.03 | -12.81% | -85.01% | -138.16% | 1.79% | |
| GDOTGreen Dot Corporation | 640.67M | 11.56 | -23.12 | 14.82% | -1.55% | -5.14% | 1.11% | 0.07 |
Analyze head-to-head performance against top industry competitors across valuation, growth, and profitability metrics.
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -173.26K | -121.14K | -1.58M | 0 | -4.05M | -4.65M | -11.54M | -8.2M | -8M | -8.52M |
| NII Growth % | - | 30.09% | -1206.13% | 100% | - | -14.77% | -148.02% | 28.94% | 2.41% | -6.4% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Income | 199 | 437 | 6 | 0 | 57K | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 173.46K | 121.57K | 1.58M | 3.04M | 4.11M | 4.65M | 11.54M | 8.2M | 8M | 8.52M |
| Loan Loss Provision | -56.45K | 31.76K | -1.4M | -2.76M | -3.88M | 40.92M | 28.06M | 31.68M | 27.9M | 23.33M |
| Non-Interest Income | 183.23K | 83.73K | 180.4K | 583.94K | 566K | 61.56M | 57.5M | 55.5M | 53.26M | 46.44M |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - | - |
| Total Revenue | 183.43K | 84.17K | 180.4K | 583.94K | 623K | 61.56M | 57.5M | 55.5M | 53.26M | 46.44M |
| Revenue Growth % | -27.16% | -54.12% | 114.35% | 223.69% | 6.69% | 9782% | -6.6% | -3.48% | -4.05% | -12.81% |
| Non-Interest Expense | 1.6M | 3.86M | 7.34M | 7.86M | 12.43M | 16.4M | 17.86M | 25.63M | 24M | 41.97M |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - | - |
| Operating Income | -1.54M | -3.93M | -7.34M | -7.56M | -12.04M | -405.98K | 39.72K | -10.01M | -6.65M | -27.38M |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | -104.82% | -155.69% | -87% | -2.94% | -59.24% | 96.63% | 109.78% | -25311.9% | 33.64% | -311.93% |
| Pretax Income | -1.6M | -4.16M | -8.16M | -10.43M | -21.37M | -3.57M | -12.13M | -15.61M | -13.89M | -38.25M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | 0 | 14.79K | 1.6M | -30.47K | 3.53M | 1.49M | 753.7K | 113.78K | 523.48K | 578.3K |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | -1.6M | -4.16M | -8.15M | -10.4M | -24.9M | -6.72M | -14.85M | -16.68M | -15.31M | -39.48M |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | -176.39% | -159.35% | -96.03% | -27.61% | -139.4% | 72.99% | -120.82% | -12.32% | 8.22% | -157.9% |
| Net Income (Continuing) | -1.6M | -4.16M | -8.15M | -10.4M | -24.9M | -5.07M | -12.89M | -15.73M | -14.42M | -38.83M |
| EPS (Diluted) | -0.06 | -0.18 | -0.34 | -0.42 | -0.72 | -0.50 | -0.33 | -0.09 | -0.21 | -1.03 |
| EPS Growth % | -157.83% | -180.37% | -88.89% | -23.53% | -71.43% | 30.56% | 34% | 72.82% | -134.11% | -390.48% |
| EPS (Basic) | -0.06 | -0.18 | -0.34 | -0.42 | -0.72 | -0.50 | -0.33 | -0.09 | -0.21 | -1.03 |
| Diluted Shares Outstanding | 24.98M | 23.33M | 23.65M | 25M | 34.54M | 47.31M | 47.19M | 71.41M | 73.67M | 38.16M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 13.35K | 1.11M | 108.25K | 500.96K | 4.1M | 63.12M | 64.82M | 64.8M | 48.82M | 63.82M |
| Cash & Due from Banks | 13.35K | 1.11M | 108.25K | 500.96K | 4.1M | 61.1M | 62.75M | 62.8M | 48.52M | 63.82M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 2.02M | 2.06M | 2M | 300K | 0 |
| Total Investments | 0 | 0 | 0 | 0 | 259K | 2.12M | 2.16M | 2.1M | 400K | 0 |
| Investments Growth % | - | - | - | - | - | 720.1% | 1.83% | -2.91% | -80.95% | -100% |
| Long-Term Investments | 0 | 0 | 0 | 0 | 259K | 100K | 100K | 100K | 100K | 0 |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 4.2M | 2.88M | 3.07M | 2.45M | 2.12M |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 9.18M | 19.62M | 19.23M | 27M | 27M | 12.06M |
| Intangible Assets | 949.73K | 894.51K | 900.47K | 1.21M | 16.1M | 14.61M | 13.38M | 9.85M | 9.19M | 3.39M |
| PP&E (Net) | 381.83K | 370.65K | 337.36K | 299.91K | 704K | 2.51M | 1.45M | 1.66M | 1.17M | 1.4M |
| Other Assets | 177.82K | 151.58K | 117.56K | 302.24K | 35K | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 312.77K | 1.42M | 744.5K | 1.59M | 6.19M | 98.14M | 102.51M | 121.21M | 103.36M | 91.28M |
| Total Non-Current Assets | 1.51M | 1.42M | 1.36M | 1.81M | 26.27M | 37.19M | 34.27M | 39.38M | 38.13M | 17.19M |
| Total Assets | 1.82M | 2.84M | 2.1M | 3.4M | 32.46M | 135.33M | 136.78M | 160.59M | 141.49M | 108.47M |
| Asset Growth % | -2.28% | 55.59% | -25.93% | 61.73% | 855.81% | 316.93% | 1.07% | 17.4% | -11.89% | -23.34% |
| Return on Assets (ROA) | -86.96% | -178.54% | -330.29% | -378.47% | -138.88% | -8.02% | -10.91% | -11.22% | -10.13% | -31.59% |
| Accounts Payable | 614.25K | 265.39K | 544.98K | 774.39K | 1.26M | 7.35K | 10.85K | 17.87K | 10.54K | 13.7K |
| Total Debt | 3.97M | 92.73K | 2.4M | 6.27M | 790K | 34.05M | 24.52M | 32.39M | 31.94M | 22.49M |
| Net Debt | 3.95M | -1.01M | 2.29M | 5.77M | -3.31M | -27.05M | -38.24M | -30.41M | -16.57M | -41.33M |
| Long-Term Debt | 9.45K | 0 | 0 | 0 | 52K | 2.54M | 18.86M | 7.88M | 2.51M | 0 |
| Short-Term Debt | 3.96M | 92.73K | 800K | 920K | 738K | 31.4M | 5.5M | 24.33M | 29.28M | 22.16M |
| Other Liabilities | 560K | 560K | 560K | 0 | 7.07M | 120.5K | 23.76K | 220.29K | 59.85K | 45.29K |
| Total Current Liabilities | 5.09M | 558.04K | 3.53M | 8.55M | 11.84M | 132.92M | 124.01M | 172.65M | 173.86M | 149.15M |
| Total Non-Current Liabilities | 569.45K | 560K | 560K | 7.43M | 7.12M | 5.01M | 20.87M | 9.72M | 3.81M | 1.08M |
| Total Liabilities | 5.66M | 1.12M | 4.09M | 8.55M | 18.95M | 137.93M | 144.88M | 182.37M | 177.68M | 150.23M |
| Total Equity | -3.83M | 1.72M | -1.99M | -5.16M | 13.51M | -2.6M | -8.09M | -21.78M | -36.19M | -41.76M |
| Equity Growth % | -71.87% | 144.79% | -215.85% | -159.18% | 361.99% | -119.23% | -211.59% | -169.06% | -66.16% | -15.4% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | - | -242.13% | - | - | -596.28% | -123.28% | - | - | - | - |
| Book Value per Share | -0.15 | 0.07 | -0.08 | -0.21 | 0.39 | -0.05 | -0.17 | -0.30 | -0.49 | -1.09 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Common Stock | 6.63K | 23.34K | 23.9K | 26.79K | 38K | 58.03K | 58.03K | 58.03K | 3.4K | 4.65K |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 22.49M | 29.17M | 29.17M | 29.23M | 65.64M |
| Retained Earnings | -6.56M | -10.72M | -18.87M | -29.27M | -50.63M | -45.24M | -60.09M | -76.77M | -92.08M | -131.52M |
| Accumulated OCI | 0 | 0 | 0 | -773.02K | 0 | 48.17K | 52.46K | 61.3K | 88.37K | -108.12K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -402.09K | -3.52M | -3.56M | -4.1M | -8.1M | -9.72M | 12.08M | -10.07M | -15.29M | 3.45M |
| Operating CF Growth % | -26.08% | -774.53% | -1.12% | -15.29% | -97.65% | -20% | 224.25% | -183.39% | -51.76% | 122.57% |
| Net Income | -1.6M | -4.16M | -8.15M | -10.43M | -21.37M | -30.62M | -12.89M | -25.51M | -14.42M | -39.48M |
| Depreciation & Amortization | 157.55K | 172.61K | 164.6K | 149.8K | 579K | 939K | 5.98M | 1.58M | 3.99M | 2.9M |
| Deferred Taxes | 0 | 0 | 634.96K | 918.67K | 3.35M | 366K | -369.73K | 25.51M | 494.74K | 127.66K |
| Other Non-Cash Items | 0 | 771.65K | 1.57M | 2.04M | 6.88M | 16.6M | -280.81K | -15M | 705.36K | 346.89K |
| Working Capital Changes | 1.04M | -303.21K | 543.49K | 766.86K | -1.67M | -427K | 19.63M | 1.72M | -6.06M | 18.68M |
| Cash from Investing | -270.37K | -206.77K | -88.92K | -137.79K | 7.57M | -131K | -406.34K | 13.84M | 1.44M | -565.03K |
| Purchase of Investments | 0 | -20.42K | -5K | 0 | -259K | -250K | -458 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | -115.18K | 0 | 209K | 235K | 0 | 0 | 1000K | 0 |
| Net Investment Activity | - | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 65.7K | 0 | 8.23M | 1.11M | 0 | -53K | 0 | 11.64K |
| Other Investing | -83.98K | -64.22K | -49.48K | 0 | -150K | -535K | 0 | 13.89M | 36.68K | 0 |
| Cash from Financing | 681.61K | 4.82M | 2.65M | 4.63M | 4.13M | 7.48M | -10.12M | -837K | -1.2M | 2.02M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1.91M | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 500K | 2.5M | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 | 1000K | -1000K | -1000K | -1000K | 1000K |
| Other Financing | 681.61K | 4.82M | 2.65M | 4.63M | 4.13M | 1.79M | 0 | 4.93M | 0 | 0 |
| Net Change in Cash | 9.15K | 1.09M | -997.89K | 392.71K | 3.6M | -2.37M | 1.55M | 2.93M | -15.04M | 4.9M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 4.21K | 13.35K | 1.11M | 108.25K | 501K | 4.1M | 70.27M | 16K | 74M | 58.96M |
| Cash at End | 13.35K | 1.11M | 108.25K | 500.96K | 4.1M | 1.73M | 71.82M | 2.94M | 58.96M | 63.86M |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.35M | 1.82M | 1.07M |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 2.13M | 1.2M | 0 | 445.53K |
| Free Cash Flow | -654.52K | -3.68M | -3.71M | -4.24M | -8.56M | -10.41M | 11.67M | -10.07M | -15.58M | 2.87M |
| FCF Growth % | -14.85% | -462.93% | -0.56% | -14.35% | -102.03% | -21.61% | 212.14% | -186.3% | -54.64% | 118.45% |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | -242.13% | - | - | -596.28% | -123.28% | - | - | - | - |
| Return on Assets (ROA) | -86.96% | -178.54% | -330.29% | -378.47% | -138.88% | -8.02% | -10.91% | -11.22% | -10.13% | -31.59% |
| Net Interest Margin | -9.51% | -4.27% | -75.35% | 0% | -12.49% | -3.44% | -8.44% | -5.11% | -5.66% | -7.85% |
| Efficiency Ratio | 873.33% | 4582.76% | 4069.69% | 1346.32% | 1994.7% | 26.63% | 31.06% | 46.19% | 45.07% | 90.38% |
| Equity / Assets | -210.38% | 60.56% | -94.73% | -151.81% | 41.61% | -1.92% | -5.92% | -13.56% | -25.57% | -38.5% |
| Book Value / Share | -0.15 | 0.07 | -0.08 | -0.21 | 0.39 | -0.05 | -0.17 | -0.3 | -0.49 | -1.09 |
| NII Growth | - | 30.09% | -1206.13% | 100% | - | -14.77% | -148.02% | 28.94% | 2.41% | -6.4% |
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