Financial - Credit Services · San Francisco, CA
Delayed quote: Sep 8, 2026, 3:45 PM EDT
Financial - Credit Services · San Francisco, CA
Delayed quote: Sep 8, 2026, 3:45 PM EDT
Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the gross margin high or low?
The gross margin of 80.18% is in line with its 5-year average of 80.36%, near the high end of its 5-year range (76.46%–81.68%).
0.17% below its 12-month average of 80.31%.
Reported quarterly gross margin; no daily interpolation.
GROSS MARGIN
80.18%
GROSS MARGIN AVG TTM
80.31%
GROSS MARGIN AVG 3Y
80.47%
GROSS MARGIN AVG 5Y
80.36%
GROSS MARGIN AVG 10Y
80.74%
GROSS MARGIN AVG 15Y
80.63%
GROSS MARGIN AVG 20Y
80.24%
CURRENT VS TTM AVG
-0.17%
CURRENT VS 3Y AVG
-0.36%
CURRENT VS 5Y AVG
-0.23%
CURRENT VS 10Y AVG
-0.69%
CURRENT VS 15Y AVG
-0.55%
CURRENT VS 20Y AVG
-0.07%
SECTOR MEDIAN · FINANCIAL SERVICES
58.58%
median of 102 covered companies
CURRENT VS SECTOR MEDIAN
+36.88%
vs the sector median at left
Market Cap
$499.86B
Gross Margin
100.00%
TTM Avg
100.00%
3Y Avg
100.00%
5Y Avg
100.00%
Market Cap
$220.52B
Gross Margin
84.35%
TTM Avg
82.56%
3Y Avg
84.69%
5Y Avg
86.88%
Market Cap
$45.58B
Gross Margin
45.75%
TTM Avg
46.36%
3Y Avg
47.20%
5Y Avg
49.81%
| NAME | MARKET CAP | GROSS MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Visa Inc. (V) | $689.67B | 80.18% | 80.31% | 80.47% | 80.36% |
| Mastercard Incorporated (MA)vs › | $499.86B | 100.00% | 100.00% | 100.00% | 100.00% |
| American Express Company (AXP)vs › | $220.52B | 84.35% | 82.56% | 84.69% | 86.88% |
| PayPal Holdings, Inc. (PYPL)vs › | $45.58B | 45.75% | 46.36% | 47.20% | 49.81% |
| Block, Inc. (SQ)vs › | $51.73B | 46.36% | 39.84% | 37.02% | 33.65% |
| Discover Financial Services (DFS)vs › | $50.34B | 89.46% | 77.87% | 88.93% | 92.62% |
Gross Margin
80.2%
(Revenue - COGS) / Revenue
Gross Margin = Gross Profit / Revenue
Gross margin is the percentage of revenue remaining after the cost of goods sold, reflecting core product profitability.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | GROSS MARGIN |
|---|---|
| 2026-06-30 | 76.46% |
| 2026-03-31 | 81.29% |
| 2025-12-31 | 81.68% |
| 2025-09-30 | 81.53% |
| 2025-06-30 | 80.60% |
| 2025-03-31 | 80.39% |
| 2024-12-31 | 78.76% |
| 2024-09-30 | 81.11% |
| 2024-06-30 | 80.08% |
| 2024-03-31 | 79.58% |
| 2023-12-31 | 80.77% |
| 2023-09-30 | 80.31% |
| 2023-06-30 | 79.53% |
| 2023-03-31 | 78.79% |
| 2022-12-31 | 80.91% |
| 2022-09-30 | 80.21% |
| 2022-06-30 | 79.92% |
| 2022-03-31 | 80.30% |
| 2021-12-31 | 81.37% |
| 2021-09-30 | 81.11% |
| 2021-06-30 | 79.05% |
| 2021-03-31 | 77.43% |
| 2020-12-31 | 79.71% |
| 2020-09-30 | 78.18% |
| 2020-06-30 | 76.99% |
| 2020-03-31 | 80.82% |
| 2019-12-31 | 80.79% |
| 2019-09-30 | 82.66% |
| 2019-06-30 | 81.92% |
| 2019-03-31 | 80.62% |
| 2018-12-31 | 82.20% |
| 2018-09-30 | 81.54% |
| 2018-06-30 | 80.52% |
| 2018-03-31 | 80.43% |
| 2017-12-31 | 82.74% |
| 2017-09-30 | 83.07% |
| 2017-06-30 | 81.25% |
| 2017-03-31 | 80.92% |
| 2016-12-31 | 83.95% |
| 2016-09-30 | 80.03% |
| 2016-06-30 | 82.59% |
| 2016-03-31 | 81.96% |
| 2015-12-31 | 82.41% |
| 2015-09-30 | 81.66% |
| 2015-06-30 | 80.59% |
| 2015-03-31 | 82.63% |
| 2014-12-31 | 81.58% |
| 2014-09-30 | 80.68% |
| 2014-06-30 | 81.30% |
| 2014-03-31 | 82.11% |
| 2013-12-31 | 80.92% |
| 2013-09-30 | 79.11% |
| 2013-06-30 | 79.67% |
| 2013-03-31 | 79.55% |
| 2012-12-31 | 80.18% |
| 2012-09-30 | 78.69% |
| 2012-06-30 | 79.06% |
| 2012-03-31 | 79.29% |
| 2011-12-31 | 80.88% |
| 2011-09-30 | 79.27% |
| 2011-06-30 | 80.45% |
| 2011-03-31 | 80.80% |
| 2010-12-31 | 80.47% |
| 2010-09-30 | 77.70% |
| 2010-06-30 | 80.88% |
| 2010-03-31 | 79.17% |
| 2009-12-31 | 80.66% |
| 2009-09-30 | 76.32% |
| 2009-06-30 | 76.97% |
| 2009-03-31 | 76.68% |
| 2008-12-31 | 77.46% |
| 2008-09-30 | 75.95% |
| 2008-06-30 | 75.57% |
| 2008-03-31 | 74.74% |
| 2007-12-31 | 75.40% |
| 2007-09-30 | 100.00% |
| 2007-06-30 | 100.00% |
| 2007-03-31 | 100.00% |
| 2006-12-31 | 100.00% |
| 2006-09-30 | 100.00% |
| 2006-06-30 | 100.00% |