(V) Visa - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NYSE (USA) | Market Cap: 608.900m USD | Total Return: -12.1% in 12m
Avg Turnover: 2.50B
EPS Trend: 99.9%
Qual. Beats: 1
Rev. Trend: 99.7%
Qual. Beats: 2
Warnings
Below Avwap Earnings
Tailwinds
Confidence, Garp
Visa Inc. is a global payment technology company that facilitates electronic funds transfers through its proprietary VisaNet network. The firm operates a four-party model, acting as an intermediary between consumers, merchants, and financial institutions to provide authorization, clearing, and settlement services. Unlike traditional banks, Visa does not issue cards or extend credit; instead, it generates revenue by charging service and data processing fees based on transaction volume.
The company’s service suite includes credit, debit, and prepaid products, alongside digital solutions such as tokenization for secure mobile payments and Visa Direct for real-time money movement. Beyond core transaction processing, the business model incorporates value-added services including risk management, data analytics, and consulting for government and commercial entities. This asset-light approach allows the firm to maintain high operating margins within the transaction and payment processing sector.
You may find deeper insights into these financial metrics by exploring the data on ValueRay. Visa continues to expand its ecosystem through omnichannel acceptance solutions and cross-border payment infrastructure.
- Cross-border transaction volume growth drives high-margin international revenue expansion
- Global consumer spending patterns dictate core service and data processing fees
- Regulatory scrutiny of interchange fees threatens long-term domestic merchant revenue
- Visa Direct adoption accelerates market share in peer-to-peer and B2B payments
- Higher interest rates and inflation influence total processed payment volume trends
| 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: 0.43 (Receivables 3.40b/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 = -3.39 (Cap -4..+1) = AA |
As of June 09, 2026, the stock is trading at USD 319.67 with a total of 5,566,892 shares traded.
Over the past week, the price has changed by -0.96%,
over one month by +0.48%,
over three months by +1.38% and
over the past year by -12.12%.
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 | 398.6 | 24.7% |
P/E Trailing = 27.9389
P/E Forward = 21.5054
P/S = 14.1516
P/B = 17.3313
P/EG = 1.4618
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 = 619b USD (609b + Debt 24.0b - CCE 13.9b)
Interest Coverage Ratio = 26.72 (Ebit TTM 27.0b / Interest Expense TTM 1.01b)
EV/FCF = 29.22x (Enterprise Value 619b / FCF TTM 21.2b)
FCF Yield = 3.42% (FCF TTM 21.2b / Enterprise Value 619b)
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 = 6.51 (Enterprise Value 619b / 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 = 7.69% (E(609b)/V(633b) * Re(7.85%) + D(24.0b)/V(633b) * 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: 99.87 | EPS CAGR: 14.97% | 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=+0.18% | Revisions=+78% | Analysts=28
EPS current Year (2026-09-30): EPS=13.12 | Chg30d=+0.28% | Revisions=+84% | GrowthEPS=+14.4% | GrowthRev=+13.9%
EPS next Year (2027-09-30): EPS=14.85 | Chg30d=+0.21% | Revisions=+78% | GrowthEPS=+13.2% | GrowthRev=+10.5%
[Analyst] Revisions Ratio: +84%