V Stock Analysis: Visa | NYSE
Credit Services | NYSE, USA | Market Cap: 688.679m USD | 12M Return: 1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.82B
EPS Trend: 99.9%
Qual. Beats: 1
Rev. Trend: 99.7%
Qual. Beats: 2
Warnings
Tailwinds
Seasonality 10.5 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: 22.2b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.22 > 0.02 and ΔFCF/TA 0.20 > 1.0 |
| NWC/Revenue: 5.92% < 20% (prev 6.79%; Δ -0.86% < -1%) |
| CFO/TA 0.24 > 3% & CFO 22.8b > Net Income 22.2b |
| Net Debt (10.1b) to EBITDA (28.3b): 0.36 < 3 |
| Current Ratio: 1.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.93b) vs 12m ago -2.08% < -2% |
| Gross Margin: 81.29% > 18% (prev 80.09%; Δ 1.20% > 0.5%) |
| Asset Turnover: 45.80% > 50% (prev 40.52%; Δ 5.28% > 0%) |
| Interest Coverage Ratio: 26.72 > 6 (EBIT TTM 27.0b / Interest Expense TTM 1.01b) |
| A: 0.03 (Total Current Assets 31.6b - Total Current Liabilities 29.1b) / Total Assets 95.0b |
| B: 0.14 (Retained Earnings 13.1b / Total Assets 95.0b) |
| C: 0.29 (EBIT TTM 27.0b / Avg Total Assets 94.0b) |
| D: 0.60 (Book Value of Equity 35.7b / Total Liabilities 59.4b) |
| Altman-Z'' = 3.18 = A |
| DSRI: 0.70 (Receivables 5.54b/6.96b, Revenue 43.0b/37.6b) |
| GMI: 0.99 (GM 80.09% / 81.29%) |
| AQI: 1.02 (AQ_t 0.62 / AQ_t-1 0.60) |
| SGI: 1.14 (Revenue 43.0b / 37.6b) |
| TATA: -0.01 (NI 22.2b - CFO 22.8b) / TA 95.0b) |
| Beneish M = -3.17 (Cap -4..+1) = AA |
As of July 07, 2026, the stock is trading at USD 357.25 with a total of 11,483,179 shares traded. Over the past week, the price has changed by +6.25%, over one month by +11.76%, over three months by +18.02% and over the past year by +0.96%.
Current recommended Stop Loss: 346.40 (which is 3% 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 | 398.7 | 11.6% |
P/E Trailing = 31.5444
P/E Forward = 23.4192
P/S = 16.0057
P/B = 19.0039
P/EG = 1.5409
Revenue TTM = 43.0b USD
EBIT TTM = 27.0b USD
EBITDA TTM = 28.3b USD
Long Term Debt = 22.4b USD (from longTermDebt, last quarter)
Short Term Debt = 1.56b USD (from shortTermDebt, last quarter)
Debt = 24.0b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 10.1b USD (calculated: Debt 24.0b - CCE 13.9b)
Enterprise Value = 699b USD (689b + Debt 24.0b - CCE 13.9b)
Interest Coverage Ratio = 26.72 (Ebit TTM 27.0b / Interest Expense TTM 1.01b)
EV/FCF = 32.98x (Enterprise Value 699b / FCF TTM 21.2b)
FCF Yield = 3.03% (FCF TTM 21.2b / Enterprise Value 699b)
FCF Margin = 49.24% (FCF TTM 21.2b / Revenue TTM 43.0b)
Net Margin = 51.68% (Net Income TTM 22.2b / Revenue TTM 43.0b)
Gross Margin = 81.29% ((Revenue TTM 43.0b - Cost of Revenue TTM 8.05b) / Revenue TTM)
Gross Margin QoQ = 81.29% (prev 81.68%)
Tobins Q-Ratio = 7.35 (Enterprise Value 699b / Total Assets 95.0b)
Interest Expense / Debt = 4.21% (Interest Expense 1.01b / Debt 24.0b)
Taxrate = 15.95% (4.22b / 26.5b)
NOPAT = 22.7b (EBIT 27.0b * (1 - 15.95%))
Current Ratio = 1.09 (Total Current Assets 31.6b / Total Current Liabilities 29.1b)
Debt / Equity = 0.67 (Debt 24.0b / totalStockholderEquity, last quarter 35.7b)
Debt / EBITDA = 0.36 (Net Debt 10.1b / EBITDA 28.3b)
Debt / FCF = 0.48 (Net Debt 10.1b / FCF TTM 21.2b)
Total Stockholder Equity = 37.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 23.67% (Net Income 22.2b / Total Assets 95.0b)
RoE = 58.90% (Net Income TTM 22.2b / Total Stockholder Equity 37.8b)
RoCE = 44.80% (EBIT 27.0b / Capital Employed (Equity 37.8b + L.T.Debt 22.4b))
RoIC = 34.66% (NOPAT 22.7b / Invested Capital 65.4b)
WACC = 7.70% (E(689b)/V(713b) * Re(7.85%) + D(24.0b)/V(713b) * Rd(4.21%) * (1-Tc(0.16)))
Discount Rate = 7.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.88 | Cagr: -2.47%
[DCF] Terminal Value 75.87% ; FCFF base≈20.9b ; Y1≈21.6b ; Y5≈24.1b
[DCF] Fair Price = 218.8 (EV 373b - Net Debt 10.1b = Equity 363b / Shares 1.66b; r=8.35% [WACC [floored]]; 5y FCF grow 3.30% → 2.50% )
EPS Correlation: 99.90 | EPS CAGR: 15.04% | SUE: 4.0 | # QB: 1
Revenue Correlation: 99.68 | Revenue CAGR: 11.25% | SUE: 2.12 | # QB: 2
EPS current Quarter (2026-06-30): EPS=3.23 | Chg30d=+0.06% | Revisions=+62% | Analysts=29
EPS current Year (2026-09-30): EPS=13.14 | Chg30d=+0.15% | Revisions=+70% | GrowthEPS=+14.6% | GrowthRev=+13.9%
EPS next Year (2027-09-30): EPS=14.87 | Chg30d=+0.17% | Revisions=+67% | GrowthEPS=+13.1% | GrowthRev=+10.5%
[Analyst] Revisions Ratio: +86% (up=18, down=0)