V Stock Analysis: Visa | NYSE
Credit Services | NYSE, USA | Market Cap: 683.843m USD | 12M Return: 7.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.64B
EPS Trend: 99.9%
Qual. Beats: 2
Rev. Trend: 99.6%
Qual. Beats: 3
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Visa Inc. (NYSE: V) is a global payment technology company headquartered in San Francisco, California, founded in 1958 and publicly listed since 2008. The company operates VisaNet, a proprietary transaction processing network that handles authorization, clearing, and settlement of payment transactions worldwide, serving consumers, sellers, financial institutions, and government entities across the U.S. and international markets.
Visas business spans credit, debit, and prepaid card products, alongside digital services such as tap-to-pay, tokenization, click-to-pay, and Visa Direct (a real-time funds-movement platform). It also provides issuing solutions (including airport lounge access and dining reservations), omnichannel acceptance tools, risk and fraud-prevention services, and advisory offerings. The company operates under the Visa, Visa Electron, V PAY, Interlink, and PLUS brands.
As a transaction and payment processing company within the Financials sector, Visa functions primarily as a four-party open-loop network, connecting cardholders, merchants, issuers, and acquirers, and earning revenue largely from data processing and service fees tied to transaction volume rather than from lending interest income. The global card network industry is highly concentrated, with Visa operating alongside a small number of large competitors that process the majority of cross-border and consumer payment volume.
- Cross-border volumes surge as global travel recovers
- Interchange fee caps and Durbin rules pressure margins
- Visa Direct and value-added services drive incremental growth
| Net Income: 22.6b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.22 > 0.02 and ΔFCF/TA 0.14 > 1.0 |
| NWC/Revenue: -1.05% < 20% (prev 10.21%; Δ -11.26% < -1%) |
| CFO/TA 0.24 > 3% & CFO 22.6b > Net Income 22.6b |
| Net Debt (10.1b) to EBITDA (29.1b): 0.35 < 3 |
| Current Ratio: 0.99 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.93b) vs 12m ago -1.33% < -2% |
| Gross Margin: 80.18% > 18% (prev 80.23%; Δ -0.04% > 0.5%) |
| Asset Turnover: 45.72% > 50% (prev 38.88%; Δ 6.84% > 0%) |
| Interest Coverage Ratio: 23.85 > 6 (EBIT TTM 27.8b / Interest Expense TTM 1.16b) |
| A: -0.00 (Total Current Assets 31.0b - Total Current Liabilities 31.5b) / Total Assets 94.6b |
| B: 0.13 (Retained Earnings 12.8b / Total Assets 94.6b) |
| C: 0.29 (EBIT TTM 27.8b / Avg Total Assets 97.3b) |
| D: 0.59 (Book Value of Equity 35.2b / Total Liabilities 59.4b) |
| Altman-Z'' = 2.95 = A |
| DSRI: 0.40 (Receivables 3.53b/7.70b, Revenue 44.5b/38.9b) |
| GMI: 1.00 (GM 80.23% / 80.18%) |
| AQI: 1.08 (AQ_t 0.62 / AQ_t-1 0.57) |
| SGI: 1.14 (Revenue 44.5b / 38.9b) |
| TATA: 0.00 (NI 22.6b - CFO 22.6b) / TA 94.6b) |
| Beneish M = -3.37 (Cap -4..+1) = AA |
As of August 04, 2026, the stock is trading at USD 365.67 with a total of 4,160,393 shares traded. Over the past week, the price has changed by +0.87%, over one month by +2.36%, over three months by +12.11% and over the past year by +7.72%.
Current recommended Stop Loss: 354.40 (which is 3.1% or 1.4 ATR below the current price).
Visa has received a consensus analysts rating of 4.34. Therefore, it is recommended to buy V.
- StrongBuy: 23
- Buy: 10
- Hold: 7
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 412.2 | 12.7% |
P/E Trailing = 31.3587
P/E Forward = 24.6305
P/S = 15.3714
P/B = 19.5416
P/EG = 1.621
Revenue TTM = 44.5b USD
EBIT TTM = 27.8b USD
EBITDA TTM = 29.1b USD
Long Term Debt = 20.9b USD (from longTermDebt, last quarter)
Short Term Debt = 3.00b USD (from shortTermDebt, last quarter)
Debt = 23.9b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 10.1b USD (calculated: Debt 23.9b - CCE 13.8b)
Enterprise Value = 694b USD (684b + Debt 23.9b - CCE 13.8b)
Interest Coverage Ratio = 23.85 (Ebit TTM 27.8b / Interest Expense TTM 1.16b)
EV/FCF = 33.02x (Enterprise Value 694b / FCF TTM 21.0b)
FCF Yield = 3.03% (FCF TTM 21.0b / Enterprise Value 694b)
FCF Margin = 47.23% (FCF TTM 21.0b / Revenue TTM 44.5b)
Net Margin = 50.78% (Net Income TTM 22.6b / Revenue TTM 44.5b)
Gross Margin = 80.18% ((Revenue TTM 44.5b - Cost of Revenue TTM 8.82b) / Revenue TTM)
Gross Margin QoQ = 76.46% (prev 81.29%)
Tobins Q-Ratio = 7.34 (Enterprise Value 694b / Total Assets 94.6b)
Interest Expense / Debt = 4.88% (Interest Expense 1.16b / Debt 23.9b)
Taxrate = 16.19% (4.36b / 27.0b)
NOPAT = 23.3b (EBIT 27.8b * (1 - 16.19%))
Current Ratio = 0.99 (Total Current Assets 31.0b / Total Current Liabilities 31.5b)
Debt / Equity = 0.68 (Debt 23.9b / totalStockholderEquity, last quarter 35.2b)
Debt / EBITDA = 0.35 (Net Debt 10.1b / EBITDA 29.1b)
Debt / FCF = 0.48 (Net Debt 10.1b / FCF TTM 21.0b)
Total Stockholder Equity = 36.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 23.22% (Net Income 22.6b / Total Assets 94.6b)
RoE = 61.26% (Net Income TTM 22.6b / Total Stockholder Equity 36.9b)
RoCE = 48.07% (EBIT 27.8b / Capital Employed (Equity 36.9b + L.T.Debt 20.9b))
RoIC = 36.41% (NOPAT 23.3b / Invested Capital 63.9b)
WACC = 7.28% (E(684b)/V(708b) * Re(7.39%) + D(23.9b)/V(708b) * Rd(4.88%) * (1-Tc(0.16)))
Discount Rate = 7.39% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.79 | Cagr: -2.34%
[DCF] Terminal Value 74.76% ; FCFF base≈21.4b ; Y1≈20.7b ; Y5≈20.1b
[DCF] Fair Price = 179.6 (EV 316b - Net Debt 10.1b = Equity 306b / Shares 1.70b; r=8.35% [WACC [floored]]; 5y FCF grow -4.85% → 2.50% )
EPS Correlation: 99.91 | EPS CAGR: 14.88% | SUE: 1.26 | # QB: 2
Revenue Correlation: 99.60 | Revenue CAGR: 11.81% | SUE: 1.40 | # QB: 3
EPS current Quarter (2026-12-31): EPS=3.63 | Chg30d=+0.53% | Revisions=+57% | Analysts=27
EPS current Year (2026-09-30): EPS=13.20 | Chg30d=+0.44% | Revisions=+70% | GrowthEPS=+15.1% | GrowthRev=+14.4%
EPS next Year (2027-09-30): EPS=14.95 | Chg30d=+0.49% | Revisions=+67% | GrowthEPS=+13.2% | GrowthRev=+10.7%
[Analyst] Revisions Ratio: +85% (up=17, down=0)