What is your company worth?
Answer a few questions about your business, verify your email, and your confidential valuation report arrives in under 60 seconds. Grounded in real 2026 transaction multiples from 200+ closed deals across payments, fintech, SaaS and AI.
Your payments business
We value a whole operating ISO on EBITDA, and a merchant portfolio or residual stream on monthly residual. Selling residuals or a portfolio specifically? Visit ResidualsForSale.com, the 733Park practice dedicated to residual and portfolio sales.
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.
Verify your email and your range appears on screen, with the full confidential report (sharp midpoint, factor-by-factor breakdown, and what a 733Park-run process typically adds) delivered to your inbox in under 60 seconds.
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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. Answer the questions, verify your email, and your range appears on screen with the full report delivered to your inbox.
Payments & ISOs. A whole operating ISO is valued on adjusted EBITDA: legacy ISOs trade roughly 6x to 8x, and software-integrated ISOs can reach 10x to 18x. A merchant portfolio or residual stream is valued on monthly residual across a wide band, from the low teens for small books up to 55x-65x for large, low-attrition, software-locked portfolios; high-risk books cap near 36x. Attrition and scale are the biggest drivers, followed by integration, processor relationship, production, vertical mix, and documentation.
Fintech. Valued on a revenue multiple (roughly 1x to 8x), scaled by company size on an asymptotic curve, then 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 a similar band, driven by size, 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 (roughly 2x to 16x), 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?
A 30-minute call with Lane will get you a defensible range with the qualitative factors that move the multiple in your specific situation.
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