BVMF/VISA34 (BVMF/VISA34)

Brazil Stock Exchange: BVMF/VISA34 · BRL

R$105

-1.69 (-1.6%)· Recorded snapshot

Market cap	4T
Revenue (ttm)	237.8B
Net income (ttm)	121.7B
EPS (ttm)	R$3.12
P/E (trailing)	33.7x
P/E (forward)	26.7x
Dividend	R$0.45 (0.43%)
Volume	26,876
Beta	0.77

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 237.8B
Net income (ttm): 121.7B
EPS (ttm): R$3.12
P/E (trailing): 33.7x
P/E (forward): 26.7x
Market cap: 4T

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E26.7

P25 n/aP50 n/aP75 n/a

Trailing P/E33.7

P25 n/aP50 n/aP75 n/a

ROE63.5

P25 n/aP50 n/aP75 n/a

ROIC56

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/VISA34 indicators

Market & fundamental data

Available fields

254

Groups with data

Currency

USD

Showing 254 of 254 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	BRL
Country	United States
Country code	BR
Earnings date	2026-10-27
Employees	34,100
Employees change	2,500
Employees growth	7.91%
Enterprise value	BRL 4T
Exchange	Brazil Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	September
Founded	1958
Industry	Credit Services
Is primary listing	No
ISIN number	BRVISABDR000
Last earnings date	2026-10-27
Last refreshed	2026-10-28
Last stock split date	2021-01-27
Last stock split type	Forward
Market cap	BRL 4T
Next earnings date	2027-01-26
Price	BRL 105.18
Price currency	BRL
Sector	Financials
SIC code	6099
Stock price date	2026-10-27
Symbol	bvmf/VISA34
Website	https://www.visa.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	31.13x
Average P/E ratio (3Y)	29.49x
Average P/E ratio (5Y)	28.84x
Earnings yield	2.97%
EV/Earnings	33.19x
EV/EBIT	25.3x
EV/EBITDA	24.16x
EV/FCF	35.37x
EV/Sales	16.46x
FCF / EV yield	2.83%
FCF yield	2.86%
Forward P/E	26.68x
Graham number	18.8433
Graham upside	-82.08%
Lynch fair value	BRL 46.07
Lynch upside	-56.2%
P/(FCF - SBC) ratio	36.51x
P/(OCF - SBC) ratio	33.83x
P/B ratio	21.36x
P/E ratio	33.7x
P/FCF ratio	34.97x
P/OCF ratio	32.51x
P/S ratio	16.8x
Price/EBITDA ratio	24.66x
Sector forward P/E	8.28x
Sector P/E	9.3x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	65.08%
EBITDA margin	68.14%
Effective tax rate	16.34%
FCF margin	46.39%
Gross margin	97.68%
Operating margin	65.08%
Pretax margin	61.2%
Profit margin	51.2%
Profit per employee	BRL 3.6M
Profitable quarters	56
Profitable years	18
Revenue per employee	BRL 7M
ROA	19.25%
ROA (5Y)	16.58%
ROCE	47.59%
ROE	63.51%
ROE (5Y)	50.73%
ROIC	55.95%
ROIC (5Y)	47.29%
SBC / revenue	2.02%
Tax / revenue	10%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	14.05%
EPS growth (Q)	-34.73%
EPS growth (QoQ)	-42.4%
EPS growth 10Y	16.71%
EPS growth 3Y	11.99%
EPS growth 5Y	15.64%
EPS growth quarters	3
EPS growth years	5
FCF growth	2.23%
FCF growth (Q)	17.85%
FCF growth (QoQ)	12.32%
FCF growth 3Y	3.85%
FCF growth 5Y	8.72%
Gross profit growth	14.66%
Gross profit growth (Q)	12.98%
Gross profit growth 3Y	12%
Gross profit growth 5Y	13.91%
Net income growth	17.18%
Net income growth (Q)	17.92%
Net income growth (QoQ)	7.5%
Net income growth 3Y	11.43%
Net income growth 5Y	14.38%
Net income growth quarters	3
Net income growth years	5
OCF growth	2.9%
OCF growth (Q)	18.4%
OCF growth (QoQ)	12.69%
OCF growth 10Y	15.59%
OCF growth 3Y	4.56%
OCF growth 5Y	9.28%
Operating income growth	11.44%
Operating income growth (Q)	9.71%
Operating income growth 3Y	10.86%
Operating income growth 5Y	13.58%
Revenue growth	14.76%
Revenue growth (Q)	13.2%
Revenue growth (QoQ)	4.35%
Revenue growth 10Y	11.77%
Revenue growth 3Y	12.02%
Revenue growth 5Y	13.75%
Revenue growth quarters	21
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	BRL -8.7B
Depreciation and amortization	BRL 7.5B
EBIT	BRL 154.7B
EBITDA	BRL 162B
EPS	BRL 3.12
Financing cash flow	BRL -146.3B
Free cash flow	BRL 114.3B
Free cash flow minus SBC	BRL 109.4B
Gross profit	BRL 232.3B
Income taxes	BRL 23.8B
Investing cash flow	BRL -5.1B
Net borrowing	BRL -13.8B
Net cash flow	BRL -30.4B
Net income	BRL 121.7B
Operating cash flow minus SBC	BRL 118.1B
Operating income	BRL 154.7B
Revenue	BRL 237.8B
Stock-based compensation	BRL 4.8B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	BRL 104.55
Debt / EBITDA	0.71
Debt / equity	0.61
Debt / FCF	1
Goodwill	BRL 111.6B
Interest coverage	39.41
Long-term assets	BRL 325.2B
Long-term liabilities	BRL 132.3B
Net cash (debt)	BRL -41.4B
Net cash / market cap	-1.04%
Net debt / EBITDA	0.26
Net debt / equity	0.22
Net debt / FCF	0.36
Piotroski F-Score	6
Property, plant and equipment	BRL 27.2B
Shareholders' equity	BRL 187.1B
Tangible book value	BRL -65.1B
Tangible book value per share	BRL -36.90
Total assets	BRL 488.8B
Total cash	BRL 72.9B
Total debt	BRL 114.3B
Total liabilities	BRL 301.7B
WACC	8.33%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.47
Current assets	BRL 163.6B
Current liabilities	BRL 169.5B
Current ratio	0.97
Net working capital	BRL -64.6B
Quick ratio	0.63
Working capital	BRL -5.7B
Working capital turnover	294.27

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-2.75%
Dividend growth	12.27%
Dividend growth (10Y)	17.13%
Dividend growth (3Y)	14.38%
Dividend growth (5Y)	16.49%
Dividend growth years	13
Dividend payment date	2026-09-11
Dividend payment years	15
Dividend payout frequency	Quarterly
Dividend per share	BRL 0.45
Dividend yield	0.43%
Ex-dividend date	2026-08-11
Last dividend	BRL 0.02
Payout ratio	21.75%
Shareholder yield	-2.32%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	722.04%
10Y return CAGR	24.03%
10Y total return	761.4%
150-day SMA	BRL 88.51
1D price change	-1.58%
1M price change	12.5%
1M total return	12.5%
1W price change	3.12%
1W total return	3.12%
1Y price change	12.98%
1Y return CAGR	13.59%
1Y total return	13.58%
20-day SMA	BRL 98.32
200-day SMA	BRL 87.42
3M price change	17.27%
3M total return	17.42%
3Y price change	82%
3Y return CAGR	22.71%
3Y total return	84.81%
50-day SMA	BRL 96.55
50-day SMA vs 200-day SMA	50over200
52-week high	BRL 112.56
52-week high date	2026-10-26
52-week low	BRL 75.72
52-week low date	2026-04-23
5Y price change	61.12%
5Y return CAGR	10.57%
5Y total return	65.23%
6M price change	36.16%
6M total return	36.52%
All-time high	BRL 112.56
All-time high date	2026-10-26
All-time low	BRL 2.25
All-time low date	2012-02-02
Average true range (ATR)	BRL 2.93
Average volume	30.9K
Beta (5Y)	0.77
Change from 52-week high	-6.56%
Change from 52-week low	38.91%
Change from all-time high	-6.56%
Change from all-time low	4,566.37%
Change from open	-2.61%
Day's gap	1.06%
Dollar volume	BRL 2.8M
High price	BRL 108.00
Low price	BRL 105.18
Monthly RSI	64.64
Open price	BRL 108.00
Position in 52-week range	0%
Previous close	BRL 106.87
Price vs 150-day SMA	18.83%
Price vs 20-day SMA	6.98%
Price vs 200-day SMA	20.32%
Price vs 50-day SMA	8.94%
Relative volume	0.87
RSI	65.82
Sharpe ratio	0.47
Sharpe ratio (3Y)	0.72
Sharpe ratio (5Y)	0.37
Sortino ratio	0.96
Sortino ratio (3Y)	1.31
Sortino ratio (5Y)	0.77
Volume	26.9K
Weekly RSI	69.12
YTD price change	8.71%
YTD total return	9.15%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	1.7B
Shares change (QoQ)	85.14%
Shares change (YoY)	2.75%
Shares held by insiders	0.04%
Shares held by institutions	81.57%

Deeper analysis on BVMF/VISA34

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this BVMF/VISA34 report

Is a complete BVMF/VISA34 research report available?

No complete published report is available for bvmf/VISA34 (BVMF/VISA34) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/VISA34 (BVMF/VISA34)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/VISA34

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/VISA34 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BVMF/VISA34

Frequently asked questions