Stock · V · Financial Services
United States · Large Cap · listed since 2008 · Revenue 12 mo. $44.5B
Price as of 11/06/2026
Summary
63.5 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
If free cash flow stays at €19.8B (2025), it supports €219.9B. The remaining €469.1B of the market value assume it grows 15.9% a year for 10 years and not at all afterwards.
Required FCF growth per year
15.9%
no growth afterwards
Price to operating cash flow 36.2×, above its usual range.
Middle half of 20 quarters: 25.0× to 29.3×, median 27.4×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
with respect to the priced-in expectation
AI summary of the 2025 annual report
A language model selected and condensed statements from the report. Each statement carries a verbatim quote. The selection is not complete and shows the state of the report. It gives no rating and does not feed into the score.
Form 10-K, fiscal year ended 09/30/2025, filed 11/06/2025. Open the report at the SEC
Visa is not a financial institution. It does not issue cards or extend credit, and it does not set rates and fees for account holders.
Visa is not a financial institution. We do not issue cards, extend credit or set rates and fees for account holders of Visa products nor do we earn revenue from or bear credit risk with respect to any of these activities.After authorization, the issuer posts the purchase to the consumer's account and pays the acquirer the transaction value minus the interchange reimbursement fee (IRF).
After the transaction is authorized, the issuer posts the transaction to the consumer’s account and effectively pays the acquirer an amount equal to the value of the transaction, minus the interchange reimbursement fee (IRF).Data processing revenue is earned for authorization, clearing and settlement, certain value-added services, network access and maintenance and support services.
Earned for authorization, clearing and settlement; value-added services primarily related to Acceptance Solutions, Risk and Security Solutions and certain Issuing Solutions; network access; and other maintenance and support services that facilitate transaction and information processing among our clients globallyVisa Direct enables person-to-person payments, account-to-account transfers, business and government payouts to individuals or small businesses, and refunds in more than 195 countries and territories.
Visa Direct enables P2P payments and A2A transfers, business and government payouts to individuals or small businesses, seller settlements and refunds, among other use cases, across more than 195 countries and territories.Visa offers many Visa-branded payment products, which clients including nearly 14,500 financial institutions use to build payment solutions.
We offer a wide range of Visa-branded payment products that our clients, including nearly 14,500 financial institutions, use to develop and offer payment solutions or servicesVisa says it has supported small businesses, large and mid-sized companies, and governments with their payment needs.
As a long-time participant in the B2B ecosystem, we have been supporting small businesses, large and middle market companies, and governments with their payments needs.In fiscal 2025, Visa Direct processed more than 12.5 billion transactions for more than 650 partners.
In fiscal 2025, Visa Direct processed more than 12.5 billion transactions for more than 650 partners.Global and multi-regional networks offer branded general-purpose card products usable at millions of merchant locations worldwide. Examples named are American Express, Diners Club/Discover, now owned by Capital One, JCB, Mastercard and UnionPay.
Global or Multi-regional Networks: These networks typically offer a range of branded, general purpose card payment products that consumers can use at millions of merchant locations around the world. Examples include American Express, Diners Club/Discover (now owned by Capital One), JCB, Mastercard and UnionPay.Local and regional networks operate in many countries and often have government support or government mandates.
Local and Regional Networks: Operated in many countries, these networks often have the support of government influence or mandate.Visa says its core offer of security, convenience, speed and reliability, its number of payment credentials and its acceptance footprint help it succeed.
We believe our fundamental value proposition of security, convenience, speed and reliability as well as the number of payment credentials and our acceptance footprint help us to succeed.If the North Dakota court's decision is upheld on appeal and prevails, the Federal Reserve could potentially set a considerably lower cap on certain U.S. debit transactions.
If the District Court of North Dakota’s decision is affirmed on appeal and ultimately prevails, it could potentially result in the Federal Reserve setting a significantly lower interchange cap for relevant debit transactions in the U.S.Visa applied in May 2020 to the People's Bank of China (PBOC) for a license to operate a Bank Card Clearing Institution (BCCI) in China. The timing and approval steps remain uncertain.
Although we filed an application with the People’s Bank of China (PBOC) in May 2020 to operate a Bank Card Clearing Institution (BCCI) in China, the timing and the procedural steps for approval remain uncertain.If regulation becomes more certain and permissive or favorable, stablecoins could potentially disrupt existing payment networks, including cross-border and B2B transactions.
With more regulatory certainty and permissive or favorable regulations, stablecoins could potentially disrupt existing payment networks, including in cross-border and B2B transactions.A significant part of Visa's net revenue is concentrated among its largest clients. Losing business from any one of these larger clients could harm Visa's business, results and financial condition.
Because a significant portion of our net revenue is concentrated among our largest clients, the loss of business from any one of these larger clients could harm our business, results of operations and financial condition.Visa indemnifies issuers and acquirers for settlement losses they may suffer if another issuer or acquirer fails to meet its settlement obligations.
We indemnify issuers and acquirers for settlement losses they may suffer due to the failure of another issuer or acquirer to honor its settlement obligations in accordance with the Visa operating rules.Since the last quarter
Q1 → Q2 2026
6 more unchanged: Revenue, 12 mo., FCF, 12 mo., EBIT margin, Net debt, Shares outstanding, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 65.09% | 12.46% | Rank 100 |
| Return on capital (Greenblatt) | 554.88% | 59.04% | Rank 92 |
| EBIT margin | 61.24% | 23.06% | Rank 93 |
| FCF margin | 48.05% | 19.82% | Rank 81 |
| Gross margin | 80.39% | 65.53% | Rank 66 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 14.76% | 7.39% | Rank 66 |
| Earnings growth, 3 years per year | 14.16% | 15.20% | Rank 47 |
| Earnings growth, 5 years per year | 16.98% | 15.17% | Rank 56 |
| Sustainable growth (ROE × retained earnings) | 3.64% | 1.25% | Rank 82 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 2.92% | 6.47% | Rank 11 |
| FCF yield | 2.87% | 7.16% | Rank 23 |
| EV/saleslower is better | 16.90 | 2.82 | Rank 6 |
| EV/EBITlower is better | 27.60 | 14.24 | Rank 18 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 15.82% | 7.80% | Rank 63 |
| Share price, 6 months | 33.06% | 8.71% | Rank 97 |
| Share price, 3 months | 21.72% | 0.45% | Rank 97 |
| Distance from 52-week high | −3.19% | −10.68% | Rank 85 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 0.79% | 1.23% | Rank 55 |
| Change in share countlower is better | −3.00% | −0.60% | Rank 77 |
| Dividend streak in years | 17 | 5 | Rank 89 |
| Price reaction to results, market-adjusted | −0.54% | 0.00% | Rank 40 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 38.27% | 9.21% | Rank 86 |
| Net debt/EBITDAlower is better | 0.26 | 0.12 | Rank 48 |
| Debt to equitylower is better | 0.61 | 0.90 | Rank 63 |
| Volatility, 1 yearlower is better | 22.41% | 25.95% | Rank 70 |
Ten years in figures
| Year | Revenue, $B | EBIT margin | FCF, $B | Shares | Net debt, $B |
|---|---|---|---|---|---|
| 2016 | 15.1 | 52.3% | 5.1 | 2.41B | 10.3 |
| 2017 | 18.4 | 66.2% | 8.5 | 2.40B | 8.5 |
| 2018 | 20.6 | 62.9% | 12.0 | 2.33B | 8.5 |
| 2019 | 23.0 | 65.3% | 12.0 | 2.27B | 8.9 |
| 2020 | 21.8 | 64.5% | 9.7 | 2.22B | 8.4 |
| 2021 | 24.1 | 65.6% | 14.5 | 2.19B | 4.5 |
| 2022 | 29.3 | 64.2% | 17.9 | 2.14B | 6.8 |
| 2023 | 32.7 | 64.3% | 19.7 | 2.09B | 4.2 |
| 2024 | 35.9 | 65.7% | 18.7 | 2.03B | 8.9 |
| 2025 | 40.0 | 60.0% | 21.6 | 1.97B | 5.0 |
4 of 7 StockScorer Score rules met · How the score is built
Visa Inc. Class A mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Visa Inc. Class A. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
4 of 7 rules met
6 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Visa Inc. Class A.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 34.3 | 15.2 |
| P/B ratio | 22.3 | 1.8 |
| Return on equity (ROE) | 65.1% | 12.5% |
| Equity ratio | 38.3% | 9.2% |
| Debt-to-equity (D/E) | 0.61 | 0.90 |
| Dividend yield | 0.6% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| V | Visa Inc. Class Athis page | |
| MA | Mastercard Inc | Low7.3 |
| AXP | American Express Company | Low7.3 |
| COF | Capital One Financial Corporation | Low5.5 |
| BAJFINANCE.NS | Bajaj Finance Limited | locked |
| PYPL | PayPal Holdings Inc | locked |
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