(V) Visa - Ratings and Ratios
Payment Cards, Transaction Processing, Payment Services
V EPS (Earnings per Share)
V Revenue
Description: V Visa
Visa Inc. is a dominant player in the payment technology industry, operating a vast transaction processing network called VisaNet that facilitates authorization, clearing, and settlement of payment transactions globally. The companys extensive range of services includes credit, debit, and prepaid card products, as well as innovative solutions like tap to pay, tokenization, and click to pay. Additionally, Visa offers value-added services such as fraud mitigation, dispute management, and data analytics through its Visa DPS platform.
From a business perspective, Visas diversified revenue streams are derived from its broad customer base, which includes merchants, financial institutions, and government entities. The companys brand portfolio, comprising Visa, Visa Electron, Interlink, V PAY, and PLUS, is well-established and recognized worldwide. With a strong presence in the digital payments space, Visa is well-positioned to capitalize on the growing trend of e-commerce and contactless payments.
Key Performance Indicators (KPIs) that can be used to evaluate Visas performance include revenue growth, payment volume, and market share. The companys revenue growth is driven by the increasing adoption of digital payments, while its payment volume is a key indicator of its market penetration. Visas market share in the payment processing industry is also an important metric, as it indicates the companys competitive position relative to its peers. Other relevant KPIs include its operating margin, return on equity (RoE), and the ratio of its earnings to interest and taxes (EBIT margin). With a RoE of 51.26, Visa demonstrates a strong ability to generate profits from its equity.
To further analyze Visas stock performance, we can examine its valuation multiples, such as the price-to-earnings (P/E) ratio, which currently stands at 35.77. This indicates that investors are willing to pay a premium for Visas earnings, likely due to its strong growth prospects and dominant market position. The forward P/E ratio of 28.01 suggests that the companys earnings are expected to grow in the future, driving the stocks value higher. By monitoring these KPIs and valuation multiples, investors can gain a deeper understanding of Visas financial health and growth prospects.
V Stock Overview
| Market Cap in USD | 670,575m |
| Sub-Industry | Transaction & Payment Processing Services |
| IPO / Inception | 2008-03-19 |
V Stock Ratings
| Growth Rating | 72.2 |
| Fundamental | 90.3% |
| Dividend Rating | 61.4 |
| Rel. Strength | 6.09 |
| Analysts | 4.34 of 5 |
| Fair Price Momentum | 340.21 USD |
| Fair Price DCF | 252.31 USD |
V Dividends
| Dividend Yield 12m | 0.70% |
| Yield on Cost 5y | 1.23% |
| Annual Growth 5y | 12.00% |
| Payout Consistency | 100.0% |
| Payout Ratio | 21.1% |
V Growth Ratios
| Growth Correlation 3m | -74.8% |
| Growth Correlation 12m | 85.5% |
| Growth Correlation 5y | 83.9% |
| CAGR 5y | 12.34% |
| CAGR/Max DD 5y | 0.43 |
| Sharpe Ratio 12m | 1.95 |
| Alpha | 15.71 |
| Beta | 0.744 |
| Volatility | 21.98% |
| Current Volume | 4945.9k |
| Average Volume 20d | 5887.2k |
| Stop Loss | 334.1 (-3%) |
| Signal | -0.96 |
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income (20.23b TTM) > 0 and > 6% of Revenue (6% = 2.33b TTM) |
| FCFTA 0.22 (>2.0%) and ΔFCFTA 1.25pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 10.21% (prev 24.13%; Δ -13.92pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.23 (>3.0%) and CFO 23.48b > Net Income 20.23b (YES >=105%, WARN >=100%) |
| Net Debt (8.05b) to EBITDA (26.08b) ratio: 0.31 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.12 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.96b) change vs 12m ago -3.45% (target <= -2.0% for YES) |
| Gross Margin 79.41% (prev 79.47%; Δ -0.06pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 40.71% (prev 38.35%; Δ 2.36pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 44.86 (EBITDA TTM 26.08b / Interest Expense TTM 555.0m) >= 6 (WARN >= 3) |
Altman Z'' 2.81
| (A) 0.04 = (Total Current Assets 38.40b - Total Current Liabilities 34.43b) / Total Assets 100.02b |
| (B) 0.16 = Retained Earnings (Balance) 15.96b / Total Assets 100.02b |
| (C) 0.26 = EBIT TTM 24.90b / Avg Total Assets 95.53b |
| (D) 0.26 = Book Value of Equity 16.05b / Total Liabilities 61.36b |
| Total Rating: 2.81 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 90.32
| 1. Piotroski 7.50pt = 2.50 |
| 2. FCF Yield 3.25% = 1.63 |
| 3. FCF Margin 56.78% = 7.50 |
| 4. Debt/Equity 0.65 = 2.29 |
| 5. Debt/Ebitda 0.96 = 1.82 |
| 6. ROIC - WACC 26.13% = 12.50 |
| 7. RoE 52.51% = 2.50 |
| 8. Rev. Trend 98.12% = 4.91 |
| 9. Rev. CAGR 9.31% = 1.16 |
| 10. EPS Trend 89.79% = 2.24 |
| 11. EPS CAGR 12.68% = 1.27 |
What is the price of V shares?
Over the past week, the price has changed by +2.46%, over one month by -0.56%, over three months by -4.75% and over the past year by +30.02%.
Is Visa a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of V is around 340.21 USD . This means that V is currently overvalued and has a potential downside of -1.24%.
Is V a buy, sell or hold?
- Strong Buy: 23
- Buy: 10
- Hold: 7
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the V price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 391.2 | 13.6% |
| Analysts Target Price | 382.4 | 11% |
| ValueRay Target Price | 379.1 | 10.1% |
Last update: 2025-08-16 05:05
V Fundamental Data Overview
CCE Cash And Equivalents = 17.09b USD (last quarter)
P/E Trailing = 33.7722
P/E Forward = 26.8817
P/S = 17.2415
P/B = 17.7434
P/EG = 1.9712
Beta = 0.94
Revenue TTM = 38.89b USD
EBIT TTM = 24.90b USD
EBITDA TTM = 26.08b USD
Long Term Debt = 19.59b USD (from longTermDebt, last quarter)
Short Term Debt = 5.55b USD (from shortTermDebt, last quarter)
Debt = 25.14b USD (Calculated: Short Term 5.55b + Long Term 19.59b)
Net Debt = 8.05b USD (from netDebt column, last quarter)
Enterprise Value = 678.62b USD (670.58b + Debt 25.14b - CCE 17.09b)
Interest Coverage Ratio = 44.86 (Ebit TTM 24.90b / Interest Expense TTM 555.0m)
FCF Yield = 3.25% (FCF TTM 22.08b / Enterprise Value 678.62b)
FCF Margin = 56.78% (FCF TTM 22.08b / Revenue TTM 38.89b)
Net Margin = 52.02% (Net Income TTM 20.23b / Revenue TTM 38.89b)
Gross Margin = 79.41% ((Revenue TTM 38.89b - Cost of Revenue TTM 8.01b) / Revenue TTM)
Tobins Q-Ratio = 42.29 (Enterprise Value 678.62b / Book Value Of Equity 16.05b)
Interest Expense / Debt = 0.16% (Interest Expense 39.0m / Debt 25.14b)
Taxrate = 17.45% (from yearly Income Tax Expense: 4.17b / 23.92b)
NOPAT = 20.55b (EBIT 24.90b * (1 - 17.45%))
Current Ratio = 1.12 (Total Current Assets 38.40b / Total Current Liabilities 34.43b)
Debt / Equity = 0.65 (Debt 25.14b / last Quarter total Stockholder Equity 38.66b)
Debt / EBITDA = 0.96 (Net Debt 8.05b / EBITDA 26.08b)
Debt / FCF = 1.14 (Debt 25.14b / FCF TTM 22.08b)
Total Stockholder Equity = 38.53b (last 4 quarters mean)
RoA = 20.23% (Net Income 20.23b, Total Assets 100.02b )
RoE = 52.51% (Net Income TTM 20.23b / Total Stockholder Equity 38.53b)
RoCE = 42.84% (Ebit 24.90b / (Equity 38.53b + L.T.Debt 19.59b))
RoIC = 34.58% (NOPAT 20.55b / Invested Capital 59.45b)
WACC = 8.45% (E(670.58b)/V(695.71b) * Re(8.76%)) + (D(25.14b)/V(695.71b) * Rd(0.16%) * (1-Tc(0.17)))
Shares Correlation 5-Years: -100.0 | Cagr: -1.93%
Discount Rate = 8.76% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.93% ; FCFE base≈20.83b ; Y1≈22.56b ; Y5≈28.06b
Fair Price DCF = 252.3 (DCF Value 428.59b / Shares Outstanding 1.70b; 5y FCF grow 9.37% → 3.0% )
Revenue Correlation: 98.12 | Revenue CAGR: 9.31%
Revenue Growth Correlation: 52.86%
EPS Correlation: 89.79 | EPS CAGR: 12.68%
EPS Growth Correlation: -76.40%
Additional Sources for V Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle