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8 segments · 24 companies

Banking, Credit & Payments

+1.4%chain · 1M

Funding, credit decisions and payment infrastructure support lending and spending; banks bear credit risk while processors have different models.

The Banking, Credit & Payments covers 8 segments and 24 companies, 0 of them chokepoints.
Over the past month the chain's median listed company returned +1.4%, against 0.0% for the S&P 500.
The strongest segment is Card & payment networks (+12.3%) and the weakest Credit data & scoring (−1.5%), a 13.8-point spread.

The chain, stage by stage

Upstream on the left, end demand on the right. Figures are 1-month returns; the segment shows its median.

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Banking & creditPayment technology

Funding & credit data

Credit data & scoring−1.5%

EFX+9.9%FICO−13.0%

Banking & lending

Diversified banks−0.3%

JPM−0.9%USB+0.3%

Regional banks−0.2%

PNC−2.2%TFC−0.7%FITB+0.9%MTB−1.8%HBAN+0.2%CFG−0.9%RF+0.5%KEY+2.7%

Cards & consumer credit+3.0%

COF+3.0%AXP+6.1%SYF+2.0%

Payments & core systems

Core banking & technology+4.2%

FIS+4.2%FISV+4.6%JKHY+2.9%

Card & payment networks+12.3%

V+12.7%MA+12.0%

Merchant & business payments+2.3%

GPN−1.5%CPAY+3.7%XYZ+0.9%PYPL+8.1%

Merchants & customers

Households, businesses & merchants

Which segments are leading

Median price return of the listed companies in each segment.

1M3M12M

Card & payment networks+12.3%

Core banking & technology+4.2%

Cards & consumer credit+3.0%

Merchant & business payments+2.3%

Regional banks−0.2%

Diversified banks−0.3%

Credit data & scoring−1.5%

S&P 5000.0%

Card & payment networks+16.7%

Merchant & business payments+4.8%

Cards & consumer credit+3.4%

Core banking & technology−3.5%

Diversified banks−5.5%

Regional banks−8.8%

Credit data & scoring−14.4%

S&P 500+4.7%

Regional banks+23.0%

Diversified banks+19.9%

Card & payment networks+14.6%

Merchant & business payments−0.6%

Cards & consumer credit−3.1%

Credit data & scoring−37.3%

Core banking & technology−45.6%

S&P 500+15.8%

Key numbers

US bank net interest margin, 2Q263.32%FDIC · Quarterly Banking Profile, 2Q26

Sources

Federal Reserve · Payment Systems 2026-10-07（查阅）
FDIC · Quarterly Banking Profile, 2Q26 2026-08

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