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Financials
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American Express Company Q4FY25 -AXP continues to expand global merchant acceptance, strengthening its competitive positioning against larger card networks. Growth in merchant coverage increases transaction opportunities for Card Members while improving network relevance across geographies and spending categories.
Mercado Pago continues to scale, with monthly active users growing at 20s rates and NPS reaching highs in Brazil and Mexico. The core driver is principality users increasingly treating Mercado Pago as their primary financial account.
Visa material progress on its Visa as a Service stack, emphasizing its role as a hyperscale platform enabling clients to build on top of Visa’s global infrastructure. The foundation layer now connects ~12bn endpoints, including cards, bank accounts, and wallets, reflecting Visa’s expanded network-of networks approach.
Circle’s strategy centers on expanding the utility of USDC through enterprise partnerships. The company has entered into multiple alliances with Visa, MoneyGram, Binance, and Coinbase, integrating USDC into global payment and remittance networks.
MARA’s earnings remain highly volatile and cyclical, tied closely to the movement in Bitcoin prices and network factors. The company’s BTC holdings increased 170% YoY to 49,951 coins, with a significant portion loaned, traded, or pledged under the SMA arrangement.
Robinhood continues to pursue an aggressive expansion strategy aimed at diversifying its business model and strengthening its global presence. The acquisition of TradePMR for $175 million expanded Robinhood into Registered Investment Advisor (RIA) services, unlocking access to the wealth management segment and higher-value clients.
This evolution supports StoneCo’s strategy to become an end-to-end financial partner for small businesses. While TPV growth has moderated, management’s emphasis on engagement and cross-sell is expected to enhance lifetime value and stabilize revenue through diverse monetization channels rather than volume alone.
Affirm Card adoption accelerated meaningfully, with active cardholders up 97% to 2.3mn and card GMV increasing 132% to $1.2bn.
BNPL remains a fast-growing vertical, with volume up more than 20% YoY and rising adoption across key markets.
Fiserv advanced its strategic initiatives, most notably the launch of FIUSD, a stablecoin aimed at enabling real-time settlement and digital asset capabilities for financial institutions and merchants.
The company continues to execute its transformation program aimed at simplifying operations and driving efficiency.
Beyond the network, Mastercard is increasingly benefiting from growth in value-added services.