(V) Visa - Ratings and Ratios
Payment Processing, Credit Cards, Debit Cards, Prepaid Cards, Digital Payments
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.69% |
| Yield on Cost 5y | 1.16% |
| Yield CAGR 5y | 15.22% |
| Payout Consistency | 95.2% |
| Payout Ratio | 21.3% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 16.5% |
| Value at Risk 5%th | 27.0% |
| Relative Tail Risk | -0.61% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.40 |
| Alpha | -1.47 |
| CAGR/Max DD | 1.38 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.357 |
| Beta | 0.750 |
| Beta Downside | 0.712 |
| Drawdowns 3y | |
|---|---|
| Max DD | 15.01% |
| Mean DD | 3.93% |
| Median DD | 3.41% |
Description: V Visa December 01, 2025
Visa Inc. (NYSE: V) is a global payment-technology firm that operates VisaNet, a high-volume network handling authorization, clearing, and settlement for credit, debit, prepaid, and emerging-payment products such as tap-to-pay, tokenization, and “click-to-pay.” Its portfolio also includes Visa Direct for real-time fund transfers, a suite of issuer-side benefits (e.g., lounge access, dining reservations), acceptance solutions that integrate with e-commerce platforms, and risk-management and advisory services backed by proprietary analytics and data-science teams. The company serves consumers, merchants, financial institutions, and governments under brands including Visa, Visa Electron, V PAY, Interlink, and PLUS.
Key performance indicators (FY 2024): net revenue of approximately $30 billion, a 12 % year-over-year increase driven largely by growth in transaction volumes, which reached about $13 trillion-a record high. Visa’s net interest-free volume (NIFV) grew 9 % YoY, reflecting expanding digital-payment adoption across both mature and emerging markets. The firm’s operating margin remained near 57 %, underscoring the scalability of its network-based model.
Sector drivers that materially affect Visa’s outlook include: (1) sustained consumer spending growth in the United States and Europe, which fuels transaction volume; (2) the ongoing shift toward cashless and contactless payments accelerated by fintech innovation and regulatory encouragement of open-banking APIs; and (3) macro-economic variables such as interest-rate cycles that influence credit-card usage and discretionary spending patterns.
For a deeper quantitative assessment, you might explore Visa’s metrics on ValueRay to complement this overview.
Piotroski VR‑10 (Strict, 0-10) 8.5
| Net Income (20.06b TTM) > 0 and > 6% of Revenue (6% = 2.40b TTM) |
| FCFTA 0.22 (>2.0%) and ΔFCFTA 1.88pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 6.79% (prev 20.92%; Δ -14.13pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.23 (>3.0%) and CFO 23.06b > Net Income 20.06b (YES >=105%, WARN >=100%) |
| Net Debt (8.01b) to EBITDA (26.00b) ratio: 0.31 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.08 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.94b) change vs 12m ago -3.15% (target <= -2.0% for YES) |
| Gross Margin 80.36% (prev 79.71%; Δ 0.66pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 41.21% (prev 38.01%; Δ 3.20pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 42.08 (EBITDA TTM 26.00b / Interest Expense TTM 589.0m) >= 6 (WARN >= 3) |
Altman Z'' 2.65
| (A) 0.03 = (Total Current Assets 37.77b - Total Current Liabilities 35.05b) / Total Assets 99.63b |
| (B) 0.15 = Retained Earnings (Balance) 15.11b / Total Assets 99.63b |
| (C) 0.26 = EBIT TTM 24.78b / Avg Total Assets 97.07b |
| (D) 0.25 = Book Value of Equity 15.23b / Total Liabilities 61.72b |
| Total Rating: 2.65 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 94.58
| 1. Piotroski 8.50pt |
| 2. FCF Yield 3.11% |
| 3. FCF Margin 53.94% |
| 4. Debt/Equity 0.66 |
| 5. Debt/Ebitda 0.31 |
| 6. ROIC - WACC (= 25.13)% |
| 7. RoE 52.47% |
| 8. Rev. Trend 98.93% |
| 9. EPS Trend 97.78% |
What is the price of V shares?
Over the past week, the price has changed by +0.72%, over one month by +7.33%, over three months by +4.46% and over the past year by +13.27%.
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 | 395.9 | 11.6% |
| Analysts Target Price | 395.9 | 11.6% |
| ValueRay Target Price | 408.4 | 15.2% |
V Fundamental Data Overview December 27, 2025
P/E Trailing = 34.8518
P/E Forward = 27.7008
P/S = 17.1346
P/B = 18.4244
P/EG = 1.9524
Beta = 0.822
Revenue TTM = 40.00b USD
EBIT TTM = 24.78b USD
EBITDA TTM = 26.00b USD
Long Term Debt = 19.60b USD (from longTermDebt, last quarter)
Short Term Debt = 5.57b USD (from shortTermDebt, last quarter)
Debt = 25.17b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 8.01b USD (from netDebt column, last quarter)
Enterprise Value = 693.39b USD (685.38b + Debt 25.17b - CCE 17.16b)
Interest Coverage Ratio = 42.08 (Ebit TTM 24.78b / Interest Expense TTM 589.0m)
FCF Yield = 3.11% (FCF TTM 21.58b / Enterprise Value 693.39b)
FCF Margin = 53.94% (FCF TTM 21.58b / Revenue TTM 40.00b)
Net Margin = 50.14% (Net Income TTM 20.06b / Revenue TTM 40.00b)
Gross Margin = 80.36% ((Revenue TTM 40.00b - Cost of Revenue TTM 7.86b) / Revenue TTM)
Gross Margin QoQ = 81.53% (prev 80.60%)
Tobins Q-Ratio = 6.96 (Enterprise Value 693.39b / Total Assets 99.63b)
Interest Expense / Debt = 0.83% (Interest Expense 210.0m / Debt 25.17b)
Taxrate = 18.21% (1.13b / 6.22b)
NOPAT = 20.27b (EBIT 24.78b * (1 - 18.21%))
Current Ratio = 1.08 (Total Current Assets 37.77b / Total Current Liabilities 35.05b)
Debt / Equity = 0.66 (Debt 25.17b / totalStockholderEquity, last quarter 37.91b)
Debt / EBITDA = 0.31 (Net Debt 8.01b / EBITDA 26.00b)
Debt / FCF = 0.37 (Net Debt 8.01b / FCF TTM 21.58b)
Total Stockholder Equity = 38.22b (last 4 quarters mean from totalStockholderEquity)
RoA = 20.13% (Net Income 20.06b / Total Assets 99.63b)
RoE = 52.47% (Net Income TTM 20.06b / Total Stockholder Equity 38.22b)
RoCE = 42.86% (EBIT 24.78b / Capital Employed (Equity 38.22b + L.T.Debt 19.60b))
RoIC = 33.62% (NOPAT 20.27b / Invested Capital 60.29b)
WACC = 8.49% (E(685.38b)/V(710.55b) * Re(8.78%) + D(25.17b)/V(710.55b) * Rd(0.83%) * (1-Tc(0.18)))
Discount Rate = 8.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.60%
[DCF Debug] Terminal Value 76.87% ; FCFE base≈20.42b ; Y1≈22.11b ; Y5≈27.51b
Fair Price DCF = 248.4 (DCF Value 418.68b / Shares Outstanding 1.69b; 5y FCF grow 9.37% → 3.0% )
EPS Correlation: 97.78 | EPS CAGR: 14.22% | SUE: 0.24 | # QB: 0
Revenue Correlation: 98.93 | Revenue CAGR: 11.80% | SUE: 0.16 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.07 | Chg30d=-0.002 | Revisions Net=-1 | Analysts=27
EPS current Year (2026-09-30): EPS=12.80 | Chg30d=-0.010 | Revisions Net=+1 | Growth EPS=+11.6% | Growth Revenue=+11.1%
EPS next Year (2027-09-30): EPS=14.43 | Chg30d=-0.003 | Revisions Net=-1 | Growth EPS=+12.7% | Growth Revenue=+10.0%
Additional Sources for V Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle