V Stock Analysis: Visa | NYSE
Credit Services | NYSE, USA | Market Cap: 788.580m USD | 12M Return: 27.1% | US92826C8394 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.92B
EPS Trend: 99.9%
Qual. Beats: 0
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 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: 23.5b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.23 > 0.02 and ΔFCF/TA 1.72 > 1.0 |
| NWC/Revenue: -2.40% < 20% (prev 6.79%; Δ -9.20% < -1%) |
| CFO/TA 0.25 > 3% & CFO 23.7b > Net Income 23.5b |
| Net Debt (7.99b) to EBITDA (30.3b): 0.26 < 3 |
| Current Ratio: 0.97 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.88b) vs 12m ago -2.99% < -2% |
| Gross Margin: 80.39% > 18% (prev 80.36%; Δ 0.03% > 0.5%) |
| Asset Turnover: 47.33% > 50% (prev 40.15%; Δ 7.18% > 0%) |
| Interest Coverage Ratio: 25.20 > 6 (EBIT TTM 28.9b / Interest Expense TTM 1.15b) |
| A: -0.01 (Total Current Assets 30.5b - Total Current Liabilities 31.6b) / Total Assets 94.4b |
| B: 0.14 (Retained Earnings 13.6b / Total Assets 94.4b) |
| C: 0.30 (EBIT TTM 28.9b / Avg Total Assets 97.0b) |
| D: 0.62 (Book Value of Equity 36.1b / Total Liabilities 58.2b) |
| Altman-Z'' = 3.05 = A |
| DSRI: 0.69 (Receivables 5.78b/7.32b, Revenue 45.9b/40.0b) |
| GMI: 1.00 (GM 80.36% / 80.39%) |
| AQI: 1.08 (AQ_t 0.62 / AQ_t-1 0.58) |
| SGI: 1.15 (Revenue 45.9b / 40.0b) |
| TATA: -0.00 (NI 23.5b - CFO 23.7b) / TA 94.4b) |
| Beneish M = -3.13 (Cap -4..+1) = AA |
As of November 10, 2026, the stock is trading at USD 422.16 with a total of 6,762,903 shares traded. Over the past week, the price has changed by -0.79%, over one month by +9.52%, over three months by +17.06% and over the past year by +27.08%.
Current recommended Stop Loss: 410.00 (which is 2.9% or 1.3 ATR below the current price).
Visa has received a consensus analysts rating of 4.55. Therefore, it is recommended to buy V.
- StrongBuy: 27
- Buy: 9
- Hold: 3
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 446.3 | 5.7% |
P/E Trailing = 34.306
P/E Forward = 28.0899
P/S = 17.1793
P/B = 22.1486
P/EG = 1.913
Revenue TTM = 45.9b USD
EBIT TTM = 28.9b USD
EBITDA TTM = 30.3b USD
Long Term Debt = 20.9b USD (from longTermDebt, two quarters ago)
Short Term Debt = 2.72b USD (from shortTermDebt, last quarter)
Debt = 22.1b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.99b USD (calculated: Debt 22.1b - CCE 14.1b)
Enterprise Value = 797b USD (789b + Debt 22.1b - CCE 14.1b)
Interest Coverage Ratio = 25.20 (Ebit TTM 28.9b / Interest Expense TTM 1.15b)
EV/FCF = 36.11x (Enterprise Value 797b / FCF TTM 22.1b)
FCF Yield = 2.77% (FCF TTM 22.1b / Enterprise Value 797b)
FCF Margin = 48.05% (FCF TTM 22.1b / Revenue TTM 45.9b)
Net Margin = 51.20% (Net Income TTM 23.5b / Revenue TTM 45.9b)
Gross Margin = 80.39% ((Revenue TTM 45.9b - Cost of Revenue TTM 9.00b) / Revenue TTM)
Gross Margin QoQ = 82.17% (prev 76.46%)
Tobins Q-Ratio = 8.44 (Enterprise Value 797b / Total Assets 94.4b)
Interest Expense / Debt = 5.19% (Interest Expense 1.15b / Debt 22.1b)
Taxrate = 16.34% (4.59b / 28.1b)
NOPAT = 24.2b (EBIT 28.9b * (1 - 16.34%))
Current Ratio = 0.97 (Total Current Assets 30.5b / Total Current Liabilities 31.6b)
Debt / Equity = 0.61 (Debt 22.1b / totalStockholderEquity, last quarter 36.1b)
Debt / EBITDA = 0.26 (Net Debt 7.99b / EBITDA 30.3b)
Debt / FCF = 0.36 (Net Debt 7.99b / FCF TTM 22.1b)
Total Stockholder Equity = 36.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 24.23% (Net Income 23.5b / Total Assets 94.4b)
RoE = 64.52% (Net Income TTM 23.5b / Total Stockholder Equity 36.4b)
RoCE = 50.40% (EBIT 28.9b / Capital Employed (Equity 36.4b + L.T.Debt 20.9b))
RoIC = 38.23% (NOPAT 24.2b / Invested Capital 63.2b)
WACC = 6.80% (E(789b)/V(811b) * Re(6.87%) + D(22.1b)/V(811b) * Rd(5.19%) * (1-Tc(0.16)))
Discount Rate = 6.87% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.34 | Cagr: -3.29%
[DCF] Terminal Value 75.73% ; FCFF base≈21.9b ; Y1≈22.4b ; Y5≈24.6b
[DCF] Fair Price = 216.1 (EV 381b - Net Debt 7.99b = Equity 373b / Shares 1.72b; r=8.35% [WACC [floored]]; 5y FCF grow 2.22% → 2.50% )
EPS Correlation: 99.91 | EPS CAGR: 15.01% | SUE: 0.80 | # QB: 0
Revenue Correlation: 99.66 | Revenue CAGR: 12.39% | SUE: 0.81 | # QB: 0
EPS current Quarter (2026-12-31): EPS=3.63 | Chg30d=+0.06% | Revisions=+14% | Analysts=26
EPS next Quarter (2027-03-31): EPS=3.62 | Chg30d=-1.34% | Revisions=-48% | Analysts=26
EPS current Year (2027-09-30): EPS=15.03 | Chg30d=+0.19% | Revisions=+36% | GrowthEPS=+13.3% | GrowthRev=+11.2%
EPS next Year (2028-09-30): EPS=17.14 | Chg30d=+0.61% | Revisions=+72% | GrowthEPS=+14.0% | GrowthRev=+10.9%
[Analyst] Revisions Ratio: +25% (up=56, down=33)