Overview Dividends

(V) Visa - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US92826C8394

Cards, Processing, Network, Authentication, Consulting

V EPS (Earnings per Share)

EPS Growth (3Y CAGR): 17.11%
EPS Trend (3Y Correlation): 97.2%

V Revenue

Revenue Growth (3Y CAGR): 10.20%
Revenue Trend (3Y Correlation): 98.1%

Description: V Visa September 24, 2025

Visa Inc. (NYSE: V) is a global payment-technology firm that operates VisaNet, a high-volume transaction processing network handling authorization, clearing, and settlement for credit, debit, and prepaid cards worldwide.

The company’s product suite extends beyond card issuance to include tap-to-pay, tokenization, and click-to-pay services, as well as Visa Direct for real-time fund transfers, Visa B2B Connect for cross-border business payments, and a portfolio of value-added services such as fraud mitigation, data analytics, and dispute management. Its acceptance solutions-Cybersource and Authorize.net-enable merchants to integrate payments into e-commerce platforms, while risk and identity tools (e.g., Visa Advanced Authorization, Visa Secure) help protect against fraud.

In fiscal 2023 Visa reported net revenue of approximately $29.3 billion and processed $14.9 trillion in payment volume, reflecting a 12% year-over-year growth rate driven largely by digital commerce and cross-border transactions. The firm’s net income margin hovered around 58%, and free-cash-flow conversion exceeded 70%, underscoring its high-leverage, low-capital-intensity business model.

Key economic drivers for Visa include the continued shift toward cashless payments, accelerated e-commerce adoption, and rising consumer spending in emerging markets. Conversely, macro-level uncertainties-such as potential regulatory constraints on interchange fees and the impact of higher interest rates on discretionary card spend-could moderate growth. The payments sector’s base-rate growth, historically around 8–10% annual volume expansion, provides a favorable backdrop for Visa’s market-share-leading position (≈ 70% of global card transaction volume).

For a deeper dive into Visa’s valuation metrics and scenario analysis, the ValueRay platform offers a transparent, data-driven toolkit you may find useful.

V Stock Overview

Market Cap in USD	650,992m
Sub-Industry	Transaction & Payment Processing Services
IPO / Inception	2008-03-19

V Stock Ratings

Growth Rating	81.2%
Fundamental	94.6%
Dividend Rating	66.8%
Return 12m vs S&P 500	4.37%
Analyst Rating	4.34 of 5

V Dividends

Dividend Yield 12m	0.68%
Yield on Cost 5y	1.27%
Annual Growth 5y	15.22%
Payout Consistency	100.0%
Payout Ratio	21.1%

V Growth Ratios

Growth Correlation 3m	13.9%
Growth Correlation 12m	58.9%
Growth Correlation 5y	84.9%
CAGR 5y	19.49%
CAGR/Max DD 3y (Calmar Ratio)	1.30
CAGR/Mean DD 3y (Pain Ratio)	5.46
Sharpe Ratio 12m	1.65
Alpha	6.69
Beta	0.897
Volatility	21.03%
Current Volume	3575.2k
Average Volume 20d	5198k
Stop Loss	336.9 (-3%)
Signal	0.27

Piotroski VR‑10 (Strict, 0-10) 8.5

Net Income (20.29b 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 20.29b (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 80.23% (prev 79.47%; Δ 0.76pp) >=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

(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) 94.62

1. Piotroski 8.50pt = 3.50

2. FCF Yield 3.35% = 1.68

3. FCF Margin 56.78% = 7.50

4. Debt/Equity 0.65 = 2.29

5. Debt/Ebitda 0.31 = 2.43

6. ROIC - WACC (= 25.89)% = 12.50

7. RoE 52.65% = 2.50

8. Rev. Trend 98.12% = 7.36

9. EPS Trend 97.24% = 4.86

What is the price of V shares?

As of October 26, 2025, the stock is trading at USD 347.38 with a total of 3,575,200 shares traded.
Over the past week, the price has changed by +1.61%, over one month by +2.57%, over three months by -1.69% and over the past year by +23.52%.

Is Visa a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Visa (NYSE:V) is currently (October 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 94.62 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of V is around 362.17 USD . This means that V is currently overvalued and has a potential downside of 4.26%.

Is V a buy, sell or hold?

Visa has received a consensus analysts rating of 4.34. Therefore, it is recommended to buy V.

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	390.6	12.5%
Analysts Target Price	390.6	12.5%
ValueRay Target Price	405.6	16.7%

V Fundamental Data Overview October 18, 2025

Market Cap USD = 650.99b (650.99b USD * 1.0 USD.USD)
P/E Trailing = 32.7859
P/E Forward = 26.9542
P/S = 16.738
P/B = 17.767
P/EG = 1.9739
Beta = 0.897
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 (from shortLongTermDebtTotal, last quarter)
Net Debt = 8.05b USD (from netDebt column, last quarter)
Enterprise Value = 659.04b USD (650.99b + Debt 25.14b - CCE 17.09b)
Interest Coverage Ratio = 44.86 (Ebit TTM 24.90b / Interest Expense TTM 555.0m)
FCF Yield = 3.35% (FCF TTM 22.08b / Enterprise Value 659.04b)
FCF Margin = 56.78% (FCF TTM 22.08b / Revenue TTM 38.89b)
Net Margin = 52.16% (Net Income TTM 20.29b / Revenue TTM 38.89b)
Gross Margin = 80.23% ((Revenue TTM 38.89b - Cost of Revenue TTM 7.69b) / Revenue TTM)
Gross Margin QoQ = 80.60% (prev 80.39%)
Tobins Q-Ratio = 6.59 (Enterprise Value 659.04b / Total Assets 100.02b)
Interest Expense / Debt = 0.16% (Interest Expense 39.0m / Debt 25.14b)
Taxrate = 16.75% (1.06b / 6.33b)
NOPAT = 20.73b (EBIT 24.90b * (1 - 16.75%))
Current Ratio = 1.12 (Total Current Assets 38.40b / Total Current Liabilities 34.43b)
Debt / Equity = 0.65 (Debt 25.14b / totalStockholderEquity, last quarter 38.66b)
Debt / EBITDA = 0.31 (Net Debt 8.05b / EBITDA 26.08b)
Debt / FCF = 0.36 (Net Debt 8.05b / FCF TTM 22.08b)
Total Stockholder Equity = 38.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 20.28% (Net Income 20.29b / Total Assets 100.02b)
RoE = 52.65% (Net Income TTM 20.29b / Total Stockholder Equity 38.53b)
RoCE = 42.84% (EBIT 24.90b / Capital Employed (Equity 38.53b + L.T.Debt 19.59b))
RoIC = 34.87% (NOPAT 20.73b / Invested Capital 59.45b)
WACC = 8.98% (E(650.99b)/V(676.13b) * Re(9.32%) + D(25.14b)/V(676.13b) * Rd(0.16%) * (1-Tc(0.17)))
Discount Rate = 9.32% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.13%
[DCF Debug] Terminal Value 75.05% ; FCFE base≈20.83b ; Y1≈22.56b ; Y5≈28.06b
Fair Price DCF = 229.8 (DCF Value 390.27b / Shares Outstanding 1.70b; 5y FCF grow 9.37% → 3.0% )
EPS Correlation: 97.24 | EPS CAGR: 17.11% | SUE: 3.40 | # QB: 4
Revenue Correlation: 98.12 | Revenue CAGR: 10.20% | SUE: 0.49 | # QB: 0

Additional Sources for V Stock

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