← All reportsUBS · 5 June 2025

Thoughts on Payments, Processors, & FinTech

26 facts read through Player Driven’s 9-pillar lens · 12 awaiting tag

Monetization

Economy, IAP, web shops, D2C, pricing, retention dollars.

5 facts
$4.5B
clover_revenue_target_2026_usd_bn · merchant acquiring
targeted ~$4.5b in revenue in 2026 (implied ~29-30% YoY growth in 2026)
$24
vizypay_revenue_2024_usd_mm · payments
increasing its revenue by ~$3mm in 2024 to ~$24mm
$27
vizypay_revenue_2025e_usd_mm · payments
with expectations for ~$27mm in revenue in 2025
$54B
cash_app_banking_services_revenue_tam_usd_bn · mobile
we calculate a revenue TAM ~$54b for banking services
$405
cash_app_banking_arpu_usd · mobile
with an ARPU of ~$405
Industry & Business

Studios, indies, M&A, market share, regional trends.

9 facts
+75%
flywire_cross_border_revenue_pct_education · US · payments · education
~75% of revenue is from the cross-border business (~$82.5mm or ~17% of Flywire total RLAS)
$82.5
flywire_cross_border_education_revenue_2024_usd_mm · US · payments · education
~$82.5mm or ~17% of Flywire total RLAS
+50%
flywire_first_year_student_revenue_pct_cross_border · US · payments · education
~50% of revenue is associated with first year students (~$40mm)
+50%
flywire_first_year_revenue_indian_chinese_pct · US · payments · education
roughly half are Indian and Chinese students (i.e., ~$20mm of the ~$40mm)
134M
cash_app_addressable_population_us_mm · US · mobile
we arrived at ~134mm individuals in the US that we believe are theoretically more addressable by Cash App's banking services
+29%
clover_yoy_growth_2026_pct · merchant acquiring
implied ~29-30% YoY growth in 2026
+13%
clover_gpv_growth_2026e_pct · merchant acquiring
base case ~13% 2026E
+23%
flywire_us_education_revenue_rlas_pct_2024 · US · payments · education
~23% of its revenue less ancillary services (RLAS) in 2024 was from its US education market
$110
flywire_us_education_revenue_2024_usd_mm · US · payments · education
Of that ~23% or ~$110mm
Awaiting pillar tag

These facts haven’t been tagged with a pillar yet.

12
39 COUNT
vizypay_payments_processed_2024_mm · payments
In 2024, VizyPay processed over 39mm payments equating to ~$2.1b
$2.1B
vizypay_gpv_2024_usd_bn · payments
equating to ~$2.1b
$1.3
vizypay_clover_investment_usd_mm · payments
VizyPay has invested over $1.3mm in Clover terminals and hardware to date
+20%
vizypay_clover_gross_location_add_pct · payments
~20% of VizyPay's gross location adds purchasing Clover
57M
cash_app_mau_mm · mobile
Cash App's scale recently reaching ~57mm monthly active users (MAUs)
+60%
cash_app_gross_profit_pct_block · mobile
Cash App now makes up ~60% of total company gross profit (including Afterpay)
$50B
cash_app_banking_gross_profit_tam_usd_bn · mobile
gross profit TAM ~$50b (~50% from current products and ~50% from potential products)
$370
cash_app_banking_gppu_usd · mobile
with an average GPPU of ~$370
3M
cash_app_pay_mau_december_2023_mm · mobile
Cash App Pay monthly actives exceeded 3mm users as of December
$2.5B
cash_app_pay_volume_december_2023_usd_bn · mobile
~$2.5b of annualized volume (vs. ~$1.35b as of September)
$270B
cash_app_pay_volume_tam_usd_bn · mobile
Cash App Pay has a volume TAM of ~$270b
$3.5B
cash_app_pay_gross_profit_tam_usd_bn · mobile
gross profit TAM of ~$3.5b