What is your company worth?
A defensible valuation range for payments, fintech, SaaS and AI companies, grounded in real 2026 transaction multiples from 209+ closed deals. See your range free in 60 seconds. Verify your email to unlock the sharp number, the full factor breakdown, and a downloadable report.
Your payments business
We value a whole operating ISO on EBITDA, and a merchant portfolio or residual stream on monthly residual.
Income you actually receive each month after splits, agent commissions, and processor share.
Percent of net residual lost per year to merchant churn and account closures.
Get the sharp midpoint number, your quality score, the full factor-by-factor breakdown, and a downloadable report. Verify your email and it is yours.
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How this calculator works.
Each company type starts from a base metric and a base multiple drawn from real 2026 transaction data, then adjusts the multiple up or down for the factors buyers actually pay for.
Payments & ISOs. A whole operating ISO is valued on adjusted EBITDA (roughly 6x to 11x). A merchant portfolio or residual stream is valued on monthly residual (roughly 30x to 46x, with the strongest books at the top). Attrition is the single biggest driver, followed by processor relationship, production, vertical mix, documentation, scale, and how integrated the payments are.
Fintech. Valued on a revenue multiple, anchored around 3x to 6x, lifted by growth, net revenue retention, and a recurring (versus transactional) revenue mix, and supported by margin, regulatory moat, and monetized payments.
SaaS. Valued on an ARR multiple in the same band, driven by growth, net revenue retention, and Rule of 40, with gross margin as a supporting factor.
AI. Valued on a revenue/ARR multiple in a premium band (around 6x to 14x), but moat and defensibility swing it hard: a genuinely proprietary data or model edge earns the premium, while a thin wrapper on someone else's model gets valued closer to a feature than a company.
The calculator outputs a range, not a false-precision point, because real valuations depend on process tension and buyer-specific premiums that no formula fully captures. For a precise valuation grounded in your data, the first conversation is free.
Want a deeper valuation grounded in your actual numbers?
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