| 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 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -149M | -137.2M | -144.8M | -145.7M | -115.3M | -104.1M | -87.1M | -89.7M | -107.9M | -135.3M |
| NII Growth % | 5.1% | 7.92% | -5.54% | -0.62% | 20.86% | 9.71% | 16.33% | -2.99% | -20.29% | -25.39% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Income | 3.5M | 4.9M | 4.8M | 6.3M | 3.2M | 1.4M | 13.9M | 15.6M | 11.9M | 7.9M |
| Interest Expense | 152.5M | 142.1M | 149.6M | 152M | 118.5M | 105.5M | 101M | 105.3M | 119.8M | 143.2M |
| Loan Loss Provision | 3.11B | 3.21B | 3.15B | 2.93B | 2.71B | 2.79B | 2.53B | 2.57B | 2.5B | 2.74B |
| Non-Interest Income | 5.42B | 5.52B | 5.59B | 5.29B | 4.83B | 5.07B | 4.46B | 4.34B | 4.2B | 4.03B |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - | - |
| Total Revenue | 5.42B | 5.52B | 5.59B | 5.29B | 4.83B | 5.07B | 4.48B | 4.36B | 4.21B | 4.04B |
| Revenue Growth % | -1.11% | 1.87% | 1.19% | -5.33% | -8.64% | 4.88% | -11.74% | -2.65% | -3.38% | -4% |
| Non-Interest Expense | 1.67B | 1.7B | 1.17B | 1.27B | 1.04B | 1.05B | 964.2M | 867.8M | 863.4M | 375.5M |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 483.7M | 473.4M | 1.12B | 934M | 967.3M | 1.12B | 884.9M | 817.5M | 725.8M | 784.2M |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | -56.4% | -2.13% | 137.03% | -16.76% | 3.57% | 16.11% | -21.21% | -7.62% | -11.22% | 8.05% |
| Pretax Income | 341.7M | 347.5M | 991.4M | 1.32B | 855.1M | 935.4M | 1.01B | 745.8M | 618.6M | 625.7M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | 88.5M | 904.6M | 139.5M | 263.1M | 110.8M | 129.6M | 98M | 119.8M | -315.6M | 126.1M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | 253.2M | -557.1M | 851.9M | 1.06B | 744.3M | 805.8M | 910.6M | 626M | 934.2M | 499.6M |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | -69.78% | -320.02% | 252.92% | 24.23% | -29.67% | 8.26% | 13.01% | -31.25% | 49.23% | -46.52% |
| Net Income (Continuing) | 253.2M | -557.1M | 851.9M | 1.06B | 744.3M | 805.8M | 910.6M | 626M | 934.2M | 499.6M |
| EPS (Diluted) | 0.51 | -1.19 | 1.87 | 2.46 | 1.79 | 1.97 | 2.34 | 1.68 | 2.74 | 1.53 |
| EPS Growth % | -68.52% | -333.33% | 257.14% | 31.55% | -27.24% | 10.06% | 18.78% | -28.21% | 63.1% | -44.16% |
| EPS (Basic) | 0.52 | -1.19 | 1.89 | 2.48 | 1.81 | 1.98 | 2.35 | 1.69 | 2.75 | 1.53 |
| Diluted Shares Outstanding | 493.5M | 467.9M | 454.4M | 430.9M | 415.2M | 408.9M | 388.4M | 371.8M | 341.1M | 327.6M |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 877.5M | 838.2M | 973.4M | 3.52B | 4.11B | 1.21B | 1.29B | 1.27B | 1.47B | 1.23B |
| Cash & Due from Banks | 877.5M | 838.2M | 973.4M | 1.82B | 2.12B | 1.21B | 1.29B | 1.27B | 1.47B | 1.23B |
| Short Term Investments | 0 | 0 | 0 | 1.7B | 1.99B | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 40.1M | 29.1M | 31.3M | 1.73B | 2.03B | 0 | 210.9M | 210.4M | 212.9M | 0 |
| Investments Growth % | -7.39% | -27.43% | 7.56% | 5431.63% | 17.41% | -100% | - | -0.24% | 1.19% | -100% |
| Long-Term Investments | 40.1M | 29.1M | 31.3M | 33M | 42.2M | 0 | 210.9M | 210.4M | 212.9M | 0 |
| Accounts Receivables | 1.33B | 1.57B | 1.36B | 1.23B | 1.14B | 0 | 0 | 0 | 1.4B | 0 |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - | - |
| Goodwill | 3.16B | 2.73B | 2.73B | 2.57B | 2.57B | 2.03B | 2.03B | 2.03B | 2.06B | 2.1B |
| Intangible Assets | 664.2M | 586.3M | 598.2M | 494.9M | 505M | 417.1M | 457.9M | 213.8M | 315.4M | 356.3M |
| PP&E (Net) | 220.5M | 214.2M | 270.4M | 386.6M | 339.5M | 129.4M | 110.3M | 218M | 245.3M | 95M |
| Other Assets | 4.5B | 4.86B | 4.43B | 331.4M | 536.6M | 3.58B | 4.14B | 3.96B | 100.4M | 0 |
| Total Current Assets | 877.5M | 838.2M | 973.4M | 4.95B | 5.51B | 2.66B | 1.55B | 1.56B | 5.17B | 1.23B |
| Total Non-Current Assets | 8.54B | 8.39B | 8.02B | 3.81B | 3.99B | 6.16B | 6.95B | 6.64B | 3.2B | 2.78B |
| Total Assets | 9.42B | 9.23B | 9B | 8.76B | 9.5B | 8.82B | 8.5B | 8.2B | 8.37B | 8.31B |
| Asset Growth % | -0.42% | -2% | -2.54% | -2.65% | 8.42% | -7.08% | -3.71% | -3.5% | 2.09% | -0.77% |
| Return on Assets (ROA) | 2.68% | -5.97% | 9.35% | 11.92% | 8.15% | 8.8% | 10.52% | 7.5% | 11.28% | 5.99% |
| Accounts Payable | 1.13B | 718.5M | 564.9M | 601.9M | 500.9M | 450.2M | 464M | 453M | 407.9M | 0 |
| Total Debt | 2.79B | 3.03B | 3.43B | 3.47B | 3.3B | 3.01B | 2.78B | 2.67B | 3.13B | 0 |
| Net Debt | 1.91B | 2.2B | 2.46B | 1.65B | 1.18B | 1.8B | 1.49B | 1.4B | 1.66B | -1.23B |
| Long-Term Debt | 2.79B | 3.03B | 3.43B | 2.48B | 2.49B | 2.73B | 2.14B | 2.14B | 2.94B | 0 |
| Short-Term Debt | 0 | 0 | 0 | 745M | 580M | 275M | 480M | 364.9M | 65.2M | 0 |
| Other Liabilities | 4.11B | 4.55B | 4.09B | 240M | 490.4M | 463.5M | 3.61B | 236M | 26.4M | 7.12B |
| Total Current Liabilities | 1.54B | 1.97B | 1.62B | 5.68B | 5.91B | 5.27B | 1.85B | 5.18B | 4.09B | 74.7M |
| Total Non-Current Liabilities | 6.98B | 7.75B | 7.69B | 3.12B | 3.4B | 3.2B | 6.17B | 2.54B | 3.31B | 7.27B |
| Total Liabilities | 8.52B | 9.72B | 9.31B | 8.8B | 9.31B | 8.47B | 8.02B | 7.72B | 7.4B | 7.35B |
| Total Equity | 2.81B | 1.7B | 2.15B | -39.5M | 186.6M | 355.6M | 477.8M | 479M | 968.9M | 957.8M |
| Equity Growth % | 100.07% | -39.38% | 26.2% | -101.84% | 572.41% | 90.57% | 34.36% | 0.25% | 102.28% | -1.15% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 12.01% | -24.68% | 44.2% | 100.27% | 1011.96% | 297.23% | 218.53% | 130.85% | 129.04% | 51.86% |
| Book Value per Share | 5.70 | 3.64 | 4.73 | -0.09 | 0.45 | 0.87 | 1.23 | 1.29 | 2.84 | 2.92 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Common Stock | 4.8M | 4.6M | 4.4M | 4.2M | 4.1M | 3.9M | 3.7M | 3.5M | 3.4M | 3.2M |
| Additional Paid-in Capital | 640.9M | 697.8M | 755.6M | 841.2M | 885.1M | 941M | 995.9M | 1.03B | 1.07B | 0 |
| Retained Earnings | 419.3M | -965.9M | -838.8M | -675.9M | -543.1M | -537.2M | -353.9M | -389.1M | 35.2M | -11.5M |
| Accumulated OCI | -162.8M | -227.9M | -231M | -209M | -159.5M | -52.1M | -167.9M | -167.3M | -140.5M | -151.3M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 419.3M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.04B | 742M | 821.3M | 914.6M | 877.5M | 1.05B | 581.6M | 783.1M | 406.3M | 543.7M |
| Operating CF Growth % | -2.73% | -28.78% | 10.69% | 11.36% | -4.06% | 19.12% | -44.36% | 34.65% | -48.12% | 33.82% |
| Net Income | 253.2M | -557.1M | 851.9M | 1.06B | 744.3M | 805.8M | 910.6M | 626M | 934.2M | 499.6M |
| Depreciation & Amortization | 263.2M | 262.9M | 264.7M | 257.7M | 225.6M | 208.2M | 183.8M | 183.6M | 179.1M | 165.4M |
| Deferred Taxes | -174.2M | 69.5M | -15.1M | -24.5M | 13.9M | -2.6M | -26.7M | -11M | -248.8M | 34.9M |
| Other Non-Cash Items | 98.3M | 588.2M | 66.2M | -413.7M | 104.1M | 211.5M | -139.4M | 95.9M | 123.5M | -116.8M |
| Working Capital Changes | 601.4M | 378.5M | -346.4M | 36.8M | -252.1M | -177.6M | -346.7M | -111.4M | -581.7M | -39.4M |
| Cash from Investing | -271.1M | -204.6M | -328.8M | 167M | -113.4M | 192M | 525.5M | -140.8M | -16.3M | -230.3M |
| Purchase of Investments | -104.4M | -234.8M | -27M | -5.87B | -4.9M | -433M | -1.56B | -495.3M | -396.7M | -256.3M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 900K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | -24.9M | 0 | 711.7M | 49.4M | -149.1M | 887.2M | 0 | 0 | 0 |
| Other Investing | -161M | -108M | -202.3M | -31.3M | -2M | -173.2M | -158.8M | -128.6M | -108.4M | -9.2M |
| Cash from Financing | -1.21B | -570.5M | -357.2M | -1.48B | -773.5M | -1.27B | -1.18B | -896.8M | -69.3M | -782.6M |
| Dividends Paid | -312.2M | -325.6M | -341.7M | -340.8M | -370.3M | -381.6M | -364.2M | -349M | -321.5M | -309M |
| Share Repurchases | -501.6M | -502.8M | -412.4M | -552.6M | -239.7M | -409.9M | -369.9M | -308.4M | -186.2M | -234.6M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | 0 |
| Other Financing | 35M | 11.7M | 900K | -381.7M | 1.5M | -400.4M | -48.2M | -124.3M | 5.2M | -239M |
| Net Change in Cash | -438.4M | -33.1M | 135.3M | -402.5M | -9.4M | -32.2M | -70.2M | -254.5M | 320.7M | -469.2M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 1.32B | 877.5M | 844.4M | 2.23B | 1.46B | 2.14B | 2.11B | 2.04B | 1.79B | 2.11B |
| Cash at End | 877.5M | 844.4M | 979.7M | 1.82B | 1.45B | 2.11B | 2.04B | 1.79B | 2.11B | 1.64B |
| Interest Paid | 159M | 128M | 142.5M | 151.3M | 109.6M | 101.6M | 97.2M | 102.4M | 114M | 0 |
| Income Taxes Paid | 68.4M | 0 | 339.4M | 318.9M | 187.3M | 185.9M | 279.8M | 197.4M | 324.9M | 0 |
| Free Cash Flow | 812.1M | 564.9M | 482.3M | 786.9M | 720.7M | 830.7M | 373.4M | 635.3M | 368.9M | 392.9M |
| FCF Growth % | 0.93% | -30.44% | -14.62% | 63.16% | -8.41% | 15.26% | -55.05% | 70.14% | -41.93% | 6.51% |
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 12.01% | -24.68% | 44.2% | 100.27% | 1011.96% | 297.23% | 218.53% | 130.85% | 129.04% | 51.86% |
| Return on Assets (ROA) | 2.68% | -5.97% | 9.35% | 11.92% | 8.15% | 8.8% | 10.52% | 7.5% | 11.28% | 5.99% |
| Net Interest Margin | -1.58% | -1.49% | -1.61% | -1.66% | -1.21% | -1.18% | -1.03% | -1.09% | -1.29% | -1.63% |
| Efficiency Ratio | 30.78% | 30.69% | 20.88% | 24.03% | 21.53% | 20.73% | 21.54% | 19.92% | 20.51% | 9.29% |
| Equity / Assets | 29.84% | 18.46% | 23.9% | -0.45% | 1.96% | 4.03% | 5.62% | 5.84% | 11.58% | 11.53% |
| Book Value / Share | 5.7 | 3.64 | 4.73 | -0.09 | 0.45 | 0.87 | 1.23 | 1.29 | 2.84 | 2.92 |
| NII Growth | 5.1% | 7.92% | -5.54% | -0.62% | 20.86% | 9.71% | 16.33% | -2.99% | -20.29% | -25.39% |
| Dividend Payout | 123.3% | - | 40.11% | 32.2% | 49.75% | 47.36% | 40% | 55.75% | 34.41% | 61.85% |
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