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NRDS
MA
V
AXP
Headquarter
San Francisco ,CA
US
Purchase ,NY
US
San Francisco ,CA
US
New York City ,NY
US
CEO
Tim Chen
Michael Miebach
Ryan McInerney
Stephen Joseph Squeri
Industry
Financial - Credit Services
Financial - Credit Services
Financial - Credit Services
Financial - Credit Services
Stock Price
Stock Price
Market Cap
Market Cap
$565.67 M
$436.67 B
$624.41 B
$213.90 B
Employees
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Employees
  • 730.00
  • 650.00
  • 0
  • 33.40 K
  • 35.30 K
  • 39.80 K
  • 28.80 K
  • 31.60 K
  • 34.10 K
  • 74.60 K
  • 75.10 K
  • 76.80 K
Y/Y
5.19%
10.96%
100%
11.71%
5.69%
12.75%
8.68%
9.72%
7.91%
3.49%
0.67%
2.26%

Income Statement

Revenue
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Revenue
  • $599.40 M
  • $687.60 M
  • $836.60 M
  • $25.10 B
  • $28.17 B
  • $32.79 B
  • $32.65 B
  • $35.93 B
  • $40.00 B
  • $67.36 B
  • $74.20 B
  • $80.46 B
Y/Y
11.23%
14.71%
21.67%
12.87%
12.23%
16.42%
11.41%
10.02%
11.34%
21.1%
10.15%
8.44%
Revenue by Products / Services
Years
  • 2025
  • 2025
  • 2025
  • 2025
Revenue by Geography
Years
  • 2025
  • 2025
  • 2025
Research and Development
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Research and Development
  • $80.50 M
  • $82.50 M
  • $66.70 M
  • -
  • -
  • -
  • -
  • -
  • -
  • -
  • -
  • -
Y/Y
3.74%
2.48%
19.15%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Operating Income
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Operating Income
  • $3.60 M
  • $9.40 M
  • $69.60 M
  • $14.01 B
  • $15.58 B
  • $19.40 B
  • $21.00 B
  • $23.60 B
  • $26.56 B
  • $10.51 B
  • $12.90 B
  • $16.60 B
Y/Y
118.95%
161.11%
640.43%
14.22%
11.24%
24.51%
11.62%
12.36%
12.55%
9.68%
22.66%
28.76%
Tax Rate (%)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Tax Rate (%)
  • 287.30%
  • -508.00%
  • 28.59%
  • 17.92%
  • 15.60%
  • 19.43%
  • 17.89%
  • 17.45%
  • 17.10%
  • 20.35%
  • 21.45%
  • 21.47%
Y/Y
486.33%
276.82%
105.63%
16.66%
12.93%
24.54%
2.07%
2.48%
2.03%
5.83%
5.43%
0.1%
Net Income
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Net Income
  • -$11.80 M
  • $30.40 M
  • $48.70 M
  • $11.20 B
  • $12.87 B
  • $14.97 B
  • $17.27 B
  • $19.74 B
  • $20.06 B
  • $8.37 B
  • $10.13 B
  • $10.78 B
Y/Y
15.69%
357.63%
60.2%
12.74%
15%
16.27%
15.48%
14.3%
1.6%
11.45%
20.96%
6.38%
Revenue Per Employee
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Revenue Per Employee
  • $821.10 K
  • $1.06 M
  • -
  • $751.44 K
  • $797.93 K
  • $823.89 K
  • $1.13 M
  • $1.14 M
  • $1.17 M
  • $903.00 K
  • $988.03 K
  • $1.05 M
Y/Y
17.32%
28.83%
100%
1.04%
6.19%
3.25%
2.51%
0.27%
3.18%
25.49%
9.42%
6.04%
Net Income Per Employee
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Net Income Per Employee
  • -$16.16 K
  • $46.77 K
  • -
  • $335.18 K
  • $364.70 K
  • $376.08 K
  • $599.76 K
  • $624.78 K
  • $588.21 K
  • $112.25 K
  • $134.87 K
  • $140.30 K
Y/Y
22.03%
389.34%
100%
0.93%
8.81%
3.12%
6.26%
4.17%
5.85%
15.48%
20.15%
4.02%

Assets & Liabilities | Cash Flow

Total Assets
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Total Assets
  • $418.60 M
  • $437.60 M
  • $461.10 M
  • $42.45 B
  • $48.08 B
  • $54.16 B
  • $90.50 B
  • $94.51 B
  • $99.63 B
  • $261.11 B
  • $271.46 B
  • $300.05 B
Y/Y
1.67%
4.54%
5.37%
9.62%
13.27%
12.64%
5.85%
4.43%
5.41%
14.34%
3.97%
10.53%
Total Liabilities
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Total Liabilities
  • $51.70 M
  • $73.40 M
  • $86.60 M
  • $35.45 B
  • $41.57 B
  • $46.41 B
  • $51.77 B
  • $55.37 B
  • $61.72 B
  • $233.05 B
  • $241.20 B
  • $266.58 B
Y/Y
38.45%
41.97%
17.98%
9.6%
17.25%
11.66%
3.7%
6.97%
11.46%
14.44%
3.5%
10.52%
Capital Expenditures (Capex)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Capital Expenditures (Capex)
  • -$29.50 M
  • -$600.00 K
  • -$1.30 M
  • -$371.00 M
  • -$474.00 M
  • -$489.00 M
  • -$1.06 B
  • -$1.26 B
  • -$1.48 B
  • -$1.56 B
  • -$1.91 B
  • -
Y/Y
8.39%
97.97%
116.67%
66.18%
27.76%
3.16%
9.18%
18.7%
17.9%
15.74%
22.26%
100%

Profitability

Operating Income Margin (%)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Operating Income Margin (%)
  • 0.60%
  • 1.37%
  • 8.32%
  • 55.81%
  • 55.32%
  • 59.17%
  • 64.31%
  • 65.68%
  • 59.99%
  • 15.61%
  • 17.38%
  • 17.14%
Y/Y
117.03%
127.62%
508.55%
1.2%
0.88%
6.95%
0.2%
2.12%
8.67%
9.43%
11.36%
1.35%
Net Income Margin (%)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Net Income Margin (%)
  • -1.97%
  • 4.42%
  • 5.82%
  • 44.61%
  • 45.71%
  • 45.65%
  • 52.90%
  • 54.95%
  • 50.15%
  • 12.43%
  • 13.65%
  • 13.46%
Y/Y
4.01%
324.58%
31.67%
0.11%
2.47%
0.13%
3.66%
3.89%
8.75%
7.98%
9.81%
1.37%
EBITDA
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
EBITDA
  • $55.30 M
  • $54.10 M
  • $116.00 M
  • $15.01 B
  • $16.80 B
  • $20.44 B
  • $22.62 B
  • $25.59 B
  • $26.00 B
  • $12.16 B
  • $14.57 B
  • $16.60 B
Y/Y
183.59%
2.17%
114.42%
15.9%
11.88%
21.71%
15.81%
13.11%
1.61%
8.5%
19.79%
13.95%
Free Cash Flow (FCF)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Free Cash Flow (FCF)
  • $42.60 M
  • $71.20 M
  • $130.30 M
  • $11.61 B
  • $14.31 B
  • $17.16 B
  • $19.70 B
  • $18.69 B
  • $21.58 B
  • $17.00 B
  • $12.14 B
  • $18.43 B
Y/Y
691.67%
67.14%
83.01%
14.96%
23.23%
19.94%
10.16%
5.09%
15.43%
11.59%
28.58%
51.81%

Ratios

Return on Equity (ROE)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Return on Equity (ROE)
  • -3.22%
  • 8.35%
  • 13.00%
  • 161.57%
  • 198.52%
  • 0.00%
  • 44.60%
  • 50.45%
  • 52.91%
  • 29.85%
  • 33.47%
  • 32.19%
Y/Y
7.74%
359.54%
55.79%
2.47%
22.87%
100%
6.09%
13.12%
4.89%
1.85%
12.14%
3.82%
Return on Assets (ROA)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Return on Assets (ROA)
  • -2.82%
  • 6.95%
  • 10.56%
  • 26.37%
  • 26.78%
  • 0.00%
  • 19.09%
  • 20.89%
  • 20.13%
  • 3.21%
  • 3.73%
  • 3.59%
Y/Y
17.65%
346.44%
52.03%
2.85%
1.53%
100%
9.11%
9.45%
3.62%
2.53%
16.34%
3.76%
Debt to Equity
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Debt to Equity
  • 2.62%
  • 2.44%
  • 0.00%
  • 226.31%
  • 281.05%
  • 245.57%
  • 52.83%
  • 53.24%
  • 66.40%
  • 175.21%
  • 168.81%
  • 172.55%
Y/Y
29.6%
6.6%
100%
1.64%
24.19%
12.62%
16.27%
0.77%
24.72%
1.42%
3.65%
2.21%

Valuation

Enterprise Value
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Enterprise value
  • $1.04 B
  • $960.05 M
  • $908.47 M
  • $409.72 B
  • $496.86 B
  • $0.00
  • $484.27 B
  • $566.73 B
  • $666.24 B
  • $140.32 B
  • $222.15 B
  • $267.08 B
Y/Y
71.17%
7.53%
5.37%
19.24%
21.27%
100%
25.39%
17.03%
17.56%
15.64%
58.31%
20.23%
Enterprise value to Revenue
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Enterprise value to Revenue
  • 1.73
  • 1.40
  • 1.09
  • 16.32
  • 17.64
  • 0.00
  • 14.83
  • 15.78
  • 16.66
  • 2.08
  • 2.99
  • 3.32
Y/Y
53.89%
19.39%
22.23%
5.64%
8.06%
100%
12.55%
6.37%
5.58%
4.51%
43.72%
10.87%
Enterprise value to EBITDA
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Enterprise value to EBITDA
  • 18.77
  • 17.75
  • 13.93
  • 27.29
  • 29.58
  • 0.00
  • 21.40
  • 22.15
  • 25.62
  • 11.54
  • 15.25
  • 16.09
Y/Y
39.64%
5.48%
21.48%
2.88%
8.39%
100%
8.27%
3.46%
15.69%
6.58%
32.16%
5.51%