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): 12.04%
EPS Trend (3Y Correlation): 97.4%

V Revenue

Revenue Growth (3Y CAGR): 11.57%
Revenue Trend (3Y Correlation): 97.9%

Risk via 10d forecast
Volatility	18.7%
Value at Risk 5%th	31.7%
Relative Tail Risk	1.87%

Reward TTM
Sharpe Ratio	0.25
Alpha	-4.20

Character TTM
Hurst Exponent	0.466
Beta	0.746
Beta Downside	0.771

Drawdowns 3y
Max DD	15.01%
Mean DD	3.69%
Median DD	3.27%

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	648,484m
Sub-Industry	Transaction & Payment Processing Services
IPO / Inception	2008-03-19
Return 12m vs S&P 500	-5.93%
Analyst Rating	4.34 of 5

V Dividends

Dividend Yield	0.74%
Yield on Cost 5y	1.19%
Yield CAGR 5y	15.22%
Payout Consistency	100.0%
Payout Ratio	21.3%

V Growth Ratios

CAGR 3y	17.17%
CAGR/Max DD Calmar Ratio	1.14
CAGR/Mean DD Pain Ratio	4.65
Current Volume	6422.3k
Average Volume	5538k

Piotroski VR‑10 (Strict, 0-10) 7.5

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 (1.96b) change vs 12m ago -2.20% (target <= -2.0% for YES)

Gross Margin 79.57% (prev 79.71%; Δ -0.13pp) >=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

(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) 93.58

1. Piotroski 7.50pt = 2.50

2. FCF Yield 3.30% = 1.65

3. FCF Margin 53.94% = 7.50

4. Debt/Equity 0.66 = 2.29

5. Debt/Ebitda 0.31 = 2.43

6. ROIC - WACC (= 25.54)% = 12.50

7. RoE 52.47% = 2.50

8. Rev. Trend 97.91% = 7.34

9. EPS Trend 97.44% = 4.87

What is the price of V shares?

As of November 16, 2025, the stock is trading at USD 330.02 with a total of 6,422,317 shares traded.
Over the past week, the price has changed by -1.59%, over one month by -5.08%, over three months by -4.29% and over the past year by +7.83%.

Is Visa a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Visa (NYSE:V) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 93.58 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 322.65 USD . This means that V is currently overvalued and has a potential downside of -2.23%.

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	394.7	19.6%
Analysts Target Price	394.7	19.6%
ValueRay Target Price	359.6	9%

V Fundamental Data Overview November 09, 2025

Market Cap USD = 648.48b (648.48b USD * 1.0 USD.USD)
P/E Trailing = 32.8787
P/E Forward = 26.9542
P/S = 16.2121
P/B = 17.767
P/EG = 1.9739
Beta = 0.82
Revenue TTM = 40.00b USD
EBIT TTM = 24.78b USD
EBITDA TTM = 26.00b USD
Long Term Debt = 19.59b USD (from longTermDebt, two quarters ago)
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 = 654.66b USD (648.48b + Debt 25.17b - CCE 19.00b)
Interest Coverage Ratio = 42.08 (Ebit TTM 24.78b / Interest Expense TTM 589.0m)
FCF Yield = 3.30% (FCF TTM 21.58b / Enterprise Value 654.66b)
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 = 79.57% ((Revenue TTM 40.00b - Cost of Revenue TTM 8.17b) / Revenue TTM)
Gross Margin QoQ = 78.58% (prev 80.60%)
Tobins Q-Ratio = 6.57 (Enterprise Value 654.66b / 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 = 42.87% (EBIT 24.78b / Capital Employed (Equity 38.22b + L.T.Debt 19.59b))
RoIC = 34.00% (NOPAT 20.27b / Invested Capital 59.61b)
WACC = 8.46% (E(648.48b)/V(673.66b) * Re(8.76%) + D(25.17b)/V(673.66b) * Rd(0.83%) * (1-Tc(0.18)))
Discount Rate = 8.76% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.13%
[DCF Debug] Terminal Value 76.93% ; FCFE base≈20.42b ; Y1≈22.11b ; Y5≈27.51b
Fair Price DCF = 249.0 (DCF Value 420.15b / Shares Outstanding 1.69b; 5y FCF grow 9.37% → 3.0% )
EPS Correlation: 97.44 | EPS CAGR: 12.04% | SUE: 0.28 | # QB: 0
Revenue Correlation: 97.91 | Revenue CAGR: 11.57% | SUE: 0.16 | # QB: 0

Additional Sources for V Stock

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Fund Manager Positions: Dataroma | Stockcircle