Financial - Credit Services · San Francisco, CA
Delayed quote: Sep 4, 2026, 4:00 PM EDT
Financial - Credit Services · San Francisco, CA
Delayed quote: Sep 4, 2026, 4:00 PM EDT
Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the operating margin high or low?
The operating margin of 60.68% is in line with its 5-year average of 63.55%, around the middle of its 5-year range (56.65%–68.96%).
0.00% above its 12-month average of 60.68%.
Reported quarterly operating margin; no daily interpolation.
OPERATING MARGIN
60.68%
OPERATING MARGIN AVG TTM
60.68%
OPERATING MARGIN AVG 3Y
62.66%
OPERATING MARGIN AVG 5Y
63.55%
OPERATING MARGIN AVG 10Y
64.03%
OPERATING MARGIN AVG 15Y
63.69%
OPERATING MARGIN AVG 20Y
62.05%
CURRENT VS TTM AVG
+0.00%
CURRENT VS 3Y AVG
-3.16%
CURRENT VS 5Y AVG
-4.51%
CURRENT VS 10Y AVG
-5.23%
CURRENT VS 15Y AVG
-4.73%
CURRENT VS 20Y AVG
-2.21%
SECTOR MEDIAN · FINANCIAL SERVICES
23.41%
median of 102 covered companies
CURRENT VS SECTOR MEDIAN
+159.21%
vs the sector median at left
Market Cap
$507.99B
Operating Margin
59.84%
TTM Avg
58.73%
3Y Avg
58.24%
5Y Avg
56.53%
Market Cap
$220.26B
Operating Margin
17.14%
TTM Avg
17.26%
3Y Avg
16.84%
5Y Avg
17.11%
Market Cap
$47.02B
Operating Margin
18.78%
TTM Avg
17.52%
3Y Avg
16.46%
5Y Avg
16.33%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Visa Inc. (V) | $700.27B | 60.68% | 60.68% | 62.66% | 63.55% |
| Mastercard Incorporated (MA)vs › | $507.99B | 59.84% | 58.73% | 58.24% | 56.53% |
| American Express Company (AXP)vs › | $220.26B | 17.14% | 17.26% | 16.84% | 17.11% |
| PayPal Holdings, Inc. (PYPL)vs › | $47.02B | 18.78% | 17.52% | 16.46% | 16.33% |
| Block, Inc. (SQ)vs › | $51.73B | 4.67% | 5.38% | 1.48% | 1.62% |
| Discover Financial Services (DFS)vs › | $50.34B | 88.29% | 60.11% | 58.92% | 47.02% |
Gross Margin
80.2%
Operating Margin
60.7%
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | OPERATING MARGIN |
|---|---|
| 2026-06-30 | 59.12% |
| 2026-03-31 | 64.42% |
| 2025-12-31 | 61.80% |
| 2025-09-30 | 57.33% |
| 2025-06-30 | 60.73% |
| 2025-03-31 | 56.65% |
| 2024-12-31 | 65.55% |
| 2024-09-30 | 66.02% |
| 2024-06-30 | 66.72% |
| 2024-03-31 | 61.01% |
| 2023-12-31 | 68.96% |
| 2023-09-30 | 64.47% |
| 2023-06-30 | 61.85% |
| 2023-03-31 | 66.83% |
| 2022-12-31 | 64.14% |
| 2022-09-30 | 65.33% |
| 2022-06-30 | 57.02% |
| 2022-03-31 | 66.80% |
| 2021-12-31 | 67.66% |
| 2021-09-30 | 65.79% |
| 2021-06-30 | 66.30% |
| 2021-03-31 | 62.51% |
| 2020-12-31 | 67.59% |
| 2020-09-30 | 61.60% |
| 2020-06-30 | 62.00% |
| 2020-03-31 | 67.03% |
| 2019-12-31 | 66.34% |
| 2019-09-30 | 60.86% |
| 2019-06-30 | 66.92% |
| 2019-03-31 | 66.27% |
| 2018-12-31 | 67.51% |
| 2018-09-30 | 62.68% |
| 2018-06-30 | 55.06% |
| 2018-03-31 | 65.76% |
| 2017-12-31 | 68.43% |
| 2017-09-30 | 66.16% |
| 2017-06-30 | 66.24% |
| 2017-03-31 | 62.72% |
| 2016-12-31 | 69.49% |
| 2016-09-30 | 61.61% |
| 2016-06-30 | 11.79% |
| 2016-03-31 | 67.13% |
| 2015-12-31 | 67.21% |
| 2015-09-30 | 63.93% |
| 2015-06-30 | 64.30% |
| 2015-03-31 | 66.91% |
| 2014-12-31 | 66.17% |
| 2014-09-30 | 48.06% |
| 2014-06-30 | 64.03% |
| 2014-03-31 | 64.75% |
| 2013-12-31 | 65.83% |
| 2013-09-30 | 58.90% |
| 2013-06-30 | 60.91% |
| 2013-03-31 | 62.88% |
| 2012-12-31 | 63.25% |
| 2012-09-30 | 55.73% |
| 2012-06-30 | -101.64% |
| 2012-03-31 | 62.30% |
| 2011-12-31 | 63.53% |
| 2011-09-30 | 57.15% |
| 2011-06-30 | 57.92% |
| 2011-03-31 | 61.60% |
| 2010-12-31 | 61.04% |
| 2010-09-30 | 52.57% |
| 2010-06-30 | 56.04% |
| 2010-03-31 | 57.27% |
| 2009-12-31 | 62.09% |
| 2009-09-30 | 46.25% |
| 2009-06-30 | 49.94% |
| 2009-03-31 | 53.49% |
| 2008-12-31 | 55.55% |
| 2008-09-30 | -25.92% |
| 2008-06-30 | 40.17% |
| 2008-03-31 | 24.02% |
| 2007-12-31 | 45.56% |
| 2007-09-30 | -238.48% |
| 2007-06-30 | 35.49% |
| 2007-03-31 | 33.33% |
| 2006-12-31 | 36.57% |
| 2006-09-30 | 23.85% |
| 2006-06-30 | 27.63% |