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Based on key financial metrics such as the price-to-sales ratio, shareholder yield and the price-earnings ratio, the following 4 stocks made the list for top value stocks in the Financial Services industry. Those looking for value stocks to add to their portfolio may want to use this list as a starting point for further investment research.

Why Focus on Undervalued Financial Services Stocks?

Value investors seek to buy stocks at a discount to their intrinsic value. Long-term returns show that such strategies are advantageous. Value stocks, as a group, tend to outperform growth stocks over extended periods of time. Typically, value investors perform financial analysis of numerous metrics, don’t follow the herd and are long-term investors.

AAII’s A+ Investor Value Grade is derived from a stock’s Value Score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

What Goes Into AAII’s Value Grade?

Stock evaluation requires access to huge amounts of data as well as the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movement. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors with that task.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A–F grades for more than just value. It is possible for a stock to appear cheap based on one valuation metric but appear expensive on another. It is also possible for one valuation ratio to be associated with outperforming stocks during certain periods of time but not others. Some stocks may even have null values for certain metrics like the price-earnings ratio or the price-to-book ratio but not others. An example of this would be a company with losses instead of profits or a negative book value because of heavy borrowing. Negative earnings or book value result in non-meaningful ratios that are left blank or null.

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4 Undervalued Financial Services Stocks

Of course, there are countless value stocks that are worth mentioning, but this is a concise list of the top 4 undervalued stocks in the Financial Services industry for Saturday, August 01, 2026. Let’s take a closer look at their individual scores to see how they measure up against each other and the Financial Services industry median.

Company	Ticker	Price/Sales	Price/Earnings	EV/EBITDA	Shareholder Yield	Price/Book Value	Price/Free Cash Flow	Value Grade
Euronet Worldwide, Inc.	EEFT	0.68	10.5	6.0	10.9%	2.24	9.5	A
Priority Technology Holdings, Inc.	PRTH	0.53	9.3	9.0	(3.3%)	na	5.9	A
PayPal Holdings, Inc.	PYPL	1.55	10.8	9.8	10.5%	2.49	8.5	A
The Western Union Company	WU	0.51	4.7	5.2	21.6%	2.19	13.0	A

The Value Grade is assigned based on how each stock’s composite valuation compares to all other stocks.

The process for assigning grades starts with each variable for a given stock. The percentile rankings for all valid ratios that a stock has are calculated. So, for instance, a stock could have a price-to-book ranking in the 43rd percentile, a price-earnings ranking in the 67th percentile, a price-to-sales ranking in the 23rd percentile, etc. Then, those rankings are averaged for each stock. (A minimum of two valid variables are required, though all six will be used if available.)

Once the average of the individual variables is calculated, that average is ranked against all stocks. Put another way, each stock’s composite valuation is compared to all other stocks. These ranks are then sorted into quintiles from the cheapest 20% (a grade of A) to the most expensive 20% (a grade of F).

As always, we recommend that you conduct proper due diligence and research before investing in any security. We also suggest that investors utilize numerous grades, not just value, when it comes to deciding whether a company is a good fit for their allocation needs.

Euronet Worldwide, Inc.’s Value Grade

Value Grade:

Metric	Score	EEFT	Industry Median
Price/Sales	24	0.68	2.01
Price/Earnings	17	10.5	15.1
EV/EBITDA	14	6.0	9.7
Shareholder Yield	4	10.9%	0.0%
Price/Book Value	55	2.24	1.44
Price/Free Cash Flow	21	9.5	11.7

Euronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, retailers, service providers, and individual consumers internationally. The company operates through three segments: Electronic Funds Transfer (EFT), epay, and Money Transfer. The EFT segment provides automated teller machine cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit and prepaid card outsourcing, card issuing, and merchant acquiring services. It also offers ATM and POS dynamic currency conversion, domestic and international surcharge, foreign currency dispensing, advertising, digital content sales at ATMs, customer relationship management, prepaid mobile top-up, bill payment, money transfer, fraud management, foreign remittance payout, cardless payout, banknote recycling solutions, and tax-refund services; and integrated electronic financial transaction software solutions for electronic payment and transaction delivery systems. The epay segment distributes and processes prepaid mobile airtime and other electronic content and payment processing services for various prepaid products, cards, and services. The Money Transfer segment offers consumer-to-consumer money transfer services through a network of locations and its website riamoneytransfer.com; account-to-account money transfer; and money transfer services through its website xe.com, Xe app, and customer service representatives. It also provides foreign currency exchange information on its currency data websites xe.com and x-rates.com; cash management solutions and foreign currency risk management services to small-and-medium-sized businesses; and payment processing services to third-party partners. The company was formerly known as Euronet Services, Inc. and changed its name to Euronet Worldwide, Inc. in August 2001. The company was founded in 1994 and is headquartered in Leawood, Kansas.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are value and so on.

Euronet Worldwide, Inc. has a Value Score of 93, which is considered to be undervalued.

When you look at Euronet Worldwide, Inc.’s price-to-sales ratio at 0.68 compared to the industry median at 2.01, this company has a lower price relative to revenue compared to its peers. This could make Euronet Worldwide, Inc.’s stock more attractive for value investors.

Euronet Worldwide, Inc.’s price-earnings ratio is 10.50 compared to the industry median at 15.10. This means it has a lower share price relative to earnings compared to its peers. This could make Euronet Worldwide, Inc. more attractive for value investors.

Now, let’s assess Euronet Worldwide, Inc.’s EV/EBITDA ratio, also known as enterprise multiple. At 6.0, when compared to the industry median of 9.7, the company may be considered undervalued in relation to its peers. Value investors could use the enterprise multiple to identify stocks that are considered overvalued or undervalued relative to their industry.

Shareholder yield is the sum of a stock’s dividend yield (paid over previous 12 months minus special dividends) and the percentage of net share buybacks over the previous 12 months. Euronet Worldwide, Inc.’s shareholder yield is higher than its industry median ratio of 0.00%. Value investors may look for an attractive shareholder yield because it can be a powerful tool for identifying if the company has a good management team.

As one of the most common value metrics, the price-to-book ratio evaluates a company’s current market price relative to its book value. Euronet Worldwide, Inc.’s price-to-book ratio is higher than its industry median ratio of 1.44. This could make Euronet Worldwide, Inc. less attractive to investors looking for a new addition to their portfolio.

Lastly, let’s take a look at Euronet Worldwide, Inc.’s price-to-free-cash-flow ratio (P/FCF), which can indicate a company’s market value relative to its operating cash flow. Euronet Worldwide, Inc.’s price-to-free-cash-flow ratio is lower than its industry median ratio of 11.70. This could make Euronet Worldwide, Inc. more attractive because the lower P/FCF ratio indicates that Euronet Worldwide, Inc. is undervalued. The P/FCF ratio metric can also be viewed over a long-term time frame to see if the company's cash flow to share price value is generally improving or worsening.

Priority Technology Holdings, Inc.’s Value Grade

Value Grade:

Metric	Score	PRTH	Industry Median
Price/Sales	19	0.53	2.01
Price/Earnings	13	9.3	15.1
EV/EBITDA	31	9.0	9.7
Shareholder Yield	65	(3.3%)	0.0%
Price/Book Value	na	na	1.44
Price/Free Cash Flow	12	5.9	11.7

Priority Technology Holdings, Inc. operates as a payment technology company in the United States. The company operates through three segments: Merchant Solutions, Payables, and Treasury Solutions. The company offers merchant solutions, such as full-service acquiring and payment-enabled solutions for B2C transactions, leveraging proprietary software platform, distributed through independent sales organizations, direct sales, and vertically focused independent software vendors channels. It also offers MX product suite, which includes MX Connect and MX Merchant products, which provides flexible and customizable set of business applications that helps to manage critical business work functions and revenue performance using core payment processing. In addition, the company offers CPX, a platform that offers accounts payable automation solutions, including virtual card, purchase card, ACH +, dynamic discounting, or check. Further, it provides accounts payable automation solutions to corporations, software partners and financial institutions, including Citibank, Visa, and Mastercard. Additionally, the company offers embedded finance and BaaS solutions to customers to modernize legacy platforms and accelerate software partners' strategies to monetize payments. It serves SMB and enterprises, as well as distribution partners, including retail and wholesale independent sales organizations, financial institutions, and independent software vendors and value-added resellers. The company was formerly known as Priority Holdings, LLC and changed its name to Priority Technology Holdings, Inc. in July 2018. Priority Technology Holdings, Inc. was founded in 2005 and is headquartered in Alpharetta, Georgia.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are value and so on.

Priority Technology Holdings, Inc. has a Value Score of 87, which is considered to be undervalued.

Priority Technology Holdings, Inc.’s price-earnings ratio is 9.3 compared to the industry median at 15.1. This means that it has a lower price relative to its earnings compared to its peers. This makes Priority Technology Holdings, Inc. more attractive for value investors.

You can read more about Priority Technology Holdings, Inc.’s key financial metrics like shareholder yield, price-to-free-cash-flow and EV/EBITDA ratio, or learn more about its Momentum and Growth Grades, by subscribing to A+ Investor.

PayPal Holdings, Inc.’s Value Grade

Value Grade:

Metric	Score	PYPL	Industry Median
Price/Sales	42	1.55	2.01
Price/Earnings	18	10.8	15.1
EV/EBITDA	35	9.8	9.7
Shareholder Yield	4	10.5%	0.0%
Price/Book Value	59	2.49	1.44
Price/Free Cash Flow	18	8.5	11.7

PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are value and so on.

PayPal Holdings, Inc. has a Value Score of 85, which is considered to be undervalued.

PayPal Holdings, Inc.’s price-earnings ratio is 10.8 compared to the industry median at 15.1. This means that it has a lower price relative to its earnings compared to its peers. This makes PayPal Holdings, Inc. more attractive for value investors.

PayPal Holdings, Inc.’s price-to-book ratio is lower than its peers. This could make PayPal Holdings, Inc. more attractive for value investors when compared to the industry median at 1.44.

You can read more about PayPal Holdings, Inc.’s key financial metrics like shareholder yield, price-to-free-cash-flow and EV/EBITDA ratio, or learn more about its Momentum and Growth Grades, by subscribing to A+ Investor.

The Western Union Company’s Value Grade

Value Grade:

Metric	Score	WU	Industry Median
Price/Sales	19	0.51	2.01
Price/Earnings	4	4.7	15.1
EV/EBITDA	11	5.2	9.7
Shareholder Yield	1	21.6%	0.0%
Price/Book Value	54	2.19	1.44
Price/Free Cash Flow	32	13.0	11.7

The Western Union Company provides money movement payments, and digital financial services in the United States and internationally. It operates through two segments, Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agents and owned locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, money order and media network services, travel money services, check acceptance services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are value and so on.

The Western Union Company has a Value Score of 95, which is considered to be undervalued.

The Western Union Company’s price-earnings ratio is 4.7 compared to the industry median at 15.1. This means that it has a lower price relative to its earnings compared to its peers. This makes The Western Union Company more attractive for value investors.

The Western Union Company’s price-to-book ratio is lower than its peers. This could make The Western Union Company more attractive for value investors when compared to the industry median at 1.44.

You can read more about The Western Union Company’s key financial metrics like shareholder yield, price-to-free-cash-flow and EV/EBITDA ratio, or learn more about its Momentum and Growth Grades, by subscribing to A+ Investor.

Other Financial Services Stock Grades

Value is just one of the five Stock Grades included in our A+ Investor service. AAII members can see the top-graded stocks—those with grades of A or B for value, growth, momentum, earnings estimate revisions and quality—on the A+ Stock Grades Screener.

Also, if you want full access to all of AAII’s premium services, you can subscribe to one convenient bundled plan called AAII Platinum where you can try out A+ Investor, AAII Dividend Investing, the Stock Superstars Report, Growth Investing and VMQ Stocks. With the other premium services, you can dive deep into additional metrics, portfolios, commentary and information about Financial Services stocks as well as other industrys.

Choosing Which of the 4 Best Financial Services Stocks Is Right for You

Choosing which value stocks to invest in will ultimately depend on your individual goals and allocation; however, comparing similar value stocks in the same industry can help you analyze which might be better investments for you in the long run. So, let’s take a look at the Value Grade for all of our stocks.

Euronet Worldwide, Inc. stock has a Value Grade of A.
Priority Technology Holdings, Inc. stock has a Value Grade of A.
PayPal Holdings, Inc. stock has a Value Grade of A.
The Western Union Company stock has a Value Grade of A.

Now that you have a bit more background about each of the 4 undervalued stocks in the Financial Services industry as well as their overall grades, it’s time for you to conduct additional research to see if these could fit your portfolio needs based on your goals and risk tolerance. AAII can help you figure out both and identify which investments align with what works best for you.

We do so through a program of education that teaches you to invest for yourself and become an effective manager of your own wealth—no more relying on others for your financial independence. You can rely on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis that makes you a better investor.

A+ Investor adds to that qualitative teaching by giving you a powerful data suite that helps you whittle down investment decisions to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

Additional Resources About Financial Services Stocks

Want to learn more about Financial Services stocks to see if they could be the right investment for you? Check out some additional resources and articles to help you on your financial journey.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith and we accept no liability for any errors or omissions. The full disclaimer can be read here.