Evaluating The Best Payment Processors For Investment Opportunities

By Chuck Carnevale of F.A.S.T. Graphs
Friday, May 2, 2025 5:47 PM EST

person holding black and white card

Image Source: Unsplash


In this video, Chuck Carnevale, Co-Founder of FAST Graphs, aka Mr. Valuation, compares three best payment processors: Visa (V), MasterCard (MA), and Global Payments (GPN). All three share similar characteristics, such as strong earnings growth and consistency, but exhibit significant valuation differences.

Visa has grown at 18% annually, with a strong balance sheet and a premium market valuation, currently trading at a PE of 31.3. MasterCard, also with a similar growth rate, has higher debt and a lower dividend yield, trading at a PE of 36. In contrast, Global Payments, with a 15% growth rate, offers a much higher dividend yield and a low market valuation, partly due to analyst downgrades and skepticism over a large acquisition.

(Click on image to enlarge)

Despite the challenges, Global Payments offers a potentially attractive investment opportunity if it returns to its historical valuation multiple. While Visa and MasterCard are high-quality companies, their current valuations may limit future returns. Chuck favors Global Payments for its undervaluation, despite its higher perceived risk. Ultimately, the video emphasizes the importance of understanding market discrepancies and valuations in making investment decisions.

video length: 00:07:53

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Disclosure: Long GPN

Disclaimer: The opinions in this article are for informational and educational purposes only and should not be construed as a recommendation to buy or sell the stocks ...

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Carrie Williams • 1 week ago • Member's comment
fair play calling for receipts, but without real user numbers on kea's single kyb drop rates versus siloed setups, we're still guessing if licensed orgs actually deliver smoother crypto-stablecoin flows or just prettier dashboards.
Mariyanna • 1 week ago • Member's comment
still skeptical tbh. Kea sounds neat, but show receipts: single kyb across crypto, stablecoins, licensed orgs in the global financial system, with measured drops, not vibes.
Russell Williams • 1 week ago • Member's comment
yo, this thread's spinning wheels on theory vs hype—let's cut the fog by crowdsourcing real battle-tested metrics. what if everyone drops their top 3 kyb pain points with actual numbers like drop rates or onboarding days, then we vote on which single layer fix actually solves 'em in prod? gets us past opinions to data real quick
Mariyanna • 1 week ago • Member's comment
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Robert Hanson • 1 week ago • Member's comment

From a systems view, most stacks break because kyb lives in silos and every rail speaks a different language. You end up reconciling crypto, stablecoins and fiat flows by hand, which is wild in 2025. What works better is a single kyb layer that all rails plug into, so logic stays consistent as volume grows.

Zara Berger • 1 week ago • Member's comment

Maybe I’m missing something obvious, but how do teams actually compare kyb flows across stuff like 3s.money, bvnk, airwallex, xace or even fondy. It feels like everyone solves one narrow problem and then you have to duct tape the rest yourself. Is there a setup that really connects crypto, stablecoins and fiat logic in one place without constant friction. Curious what people here actually use in real life and why.