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Visa Inc. (V)

NYSE: V · Real-Time Price · USD
$319
-2.51 (-0.8%)· Live
StockMarketAgent Research

Our analysis: V rated Strong Buy

V is rated Strong Buy at $321.28 versus the reconciled fair value midpoint of $401.95, implying +25.11% upside/downside. Confidence is separately disclosed at 88/100.

Fair value (mid)
$402 / share
$306 – $499
Upside to FV
+25.1%
from $319
Confidence
88/100
Moat
9/10
Read full analysis →View archive · 24mo
9-phase methodology · same model every month
Biggest opportunityBull case · highest-impact upside lever

Bull: Accelerated growth in value-added services, cross-border flows, and new network capabilities (Visa Direct, B2B) expands the TAM faster than anticipated. The company sustains low-to-mid-teens EPS growth while returning vast capital.

Biggest riskTop kill scenario by severity
Regulatory Take-Rate Compression

Regulatory Take-Rate Compression: Global regulators, led by the US passing the Credit Card Competition Act or similar measures, aggressively cap interchange fees, permanently compressing Visa's take rate and yielding sustained margin decay.

Recommended actionConviction: high
Strong Buy

V is rated Strong Buy at $321.28 versus the reconciled fair value midpoint of $401.95, implying +25.11% upside/downside. Confidence is separately disclosed at 88/100.

Position sizing playbook →
Market cap$611.0B
Revenue (ttm)43B
Net income (ttm)22B
EPS (ttm)$11.5
Shares out1.9B
P/E (trailing)27.8x
P/E (forward)21.7x
Dividend$2.68 (0.84%)
Volume5,949,389
Beta0.78
Price target$396+24.2%
Market data

Price

Recent price action with selectable time range.

Visa Inc.V
—
Loading chart…

Financial snapshot

Revenue (ttm)
43B
Net income (ttm)
22B
EPS (ttm)
$11.5
P/E (trailing)
27.8x
P/E (forward)
21.7x
Market cap
$611.0B

Scenarios & expected return

Probability-weighted: +14.7% expected return to fair value
Bull20%
Price target
$499.48
+55.5% from spot

Accelerated growth in value-added services, cross-border flows, and new network capabilities (Visa Direct, B2B) expands the TAM faster than anticipated. The company sustains low-to-mid-teens EPS growth while returning vast capital.

  • Value-added services outpace internal valuation cross-checks, driving >13% revenue CAGR.
  • Terminal PE multiple expands to 25x.
  • Operating margins edge up to 68% on scale efficiencies.
Base60%
Price target
$401.95
+25.1% from spot

Visa continues to compound at historical rates, successfully monetizing the secular cash-to-digital trend globally. B2B and value-added services offset any mature market sluggishness, yielding a mid-teens EPS trajectory.

  • Revenue grows 10-13% near term, fading to 3% terminal growth.
  • Terminal PE anchors at 22x.
  • Operating margins stabilize at 66.5%.
Bear20%
Price target
$305.64
-4.9% from spot

Severe regulatory pressures on interchange fees compress network take rates. The rise of alternative local payment networks or digital wallets disintermediate VisaNet, leading to volume loss and margin contraction.

  • Severe regulatory pressures compress network take rates.
  • Revenue growth slows to mid-single digits.
  • Terminal PE contracts to 18x.

Valuation models & bridge

Each model produces an independent fair value. Weighted average = $402.
ModelWeightFV / sharevs spotContribution
Multi stage moat fade30%$503+57.7%
Discounted earnings20%$337+5.6%
Owner earnings20%$397+24.7%
Forward earnings15%$368+15.6%
FCFF DCF10%$428+34.3%
Peg adjusted peer5%$125-60.9%
Reverse DCF0%$0.00-100.0%
Ddm0%$67.0-79.0%
Composite FV (weighted)100%$402+25.1%

Sensitivity: Ke × terminal growth

Ke ↓ / g →2.0%2.5%3.0%3.5%4.0%
5.5%$475$556$645$645$645
6.5%$368$415$475$556$645
7.5%$301$331$368$415$475
8.5%$254$276$301$331$368
9.5%$220$236$254$276$301

Scorecard

Factor radar (left) · 9-category weighted composite (right)
ValuationManagementBalanceProfitabilityRevenueRiskCompetitiveEarningsCapital
Valuation5.0
Management7.3
Balance Sheet6.0
Profitability8.5
Revenue Growth7.5
Risk Assessment7.5
Competitive Moat9.0
Earnings Quality7.5
Capital Efficiency8.5
Weighted composite
7.4/10
Above average
CategoryWeightScoreReading
Valuation11%5.0
Management11%7.3
Balance Sheet11%6.0
Profitability11%8.5
Revenue Growth11%7.5
Risk Assessment11%7.5
Competitive Moat11%9.0
Earnings Quality11%7.5
Capital Efficiency11%8.5

Position sizing & entry playbook

Pre-committed rules, followed irrespective of news flow.
Conviction tier
High
Confidence 88/100
Target weight
Core portfolio holding. Qualifies for maximum sizing given the 88/100 confidence score, mature quality compounder archetype, and immense cash flow visibility.
of equity sleeve
Accumulate at current levels ($321.28) given the 25% discount to the $401.95 base case fair value. Strong buy rating supports immediate capital deployment.
Current / pullbacks
Current price
Today’s last trade
$319
Trim if valuation exceeds the $499.48 bull case target, or if structural disintermediation from alternative rails materially impacts transaction volumes.
Thesis break
Risk to thesis
  • Trim if valuation exceeds the $499.48 bull case target, or if structural disintermediation from alternative rails materially impacts transaction volumes.
Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming
DateLoading
Window—
EPS estimate—
Revenue estimate—

Sector percentile context

Refreshed 2026-05-10 22:07 UTC
Forward P/E21.7
P25 n/aP50 n/aP75 n/a
Trailing P/E0
P25 n/aP50 n/aP75 n/a
ROE60.3
P25 n/aP50 n/aP75 n/a
ROIC54.3
P25 n/aP50 n/aP75 n/a
Benchmarks · 1M
S&P 500n/a
Nasdaq Compositen/a
Dow Jones Industrial Averagen/a
Russell 2000n/a

All V indicators

Market & fundamental data
Available fields
282
Groups with data
11
Currency
USD
Showing 282 of 282 available metrics for this ticker.

Profile and market data

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

26
MetricValue
Cik
0001403161
Company name
Visa Inc.
Country
United States
Country code
US
Cusip
92826C839
Employees
34,100
Employees Change
2,500%
Employees Change Percent
7.91
Enterprise value
$610.7B
Exchange
NYSE
Financial currency
USD
First seen
2026-05-09
In Index
SP500, DOW30
Industry
Credit Services
IPO Date
2008-03-19
Isin
US92826C8394
Last refreshed
2026-05-10
Market cap
$600.6B
Market cap category
Mega-Cap
Price
$319
Price currency
USD
Rev Per Employee
1,261,788.86x
Sector
Financials
Sic
7389
Symbol
V
Website
https://www.visa.com

Valuation

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

17
MetricValue
Earnings Yield
3.67%
EV Earnings
27.72x
EV Sales Forward
12.7x
EV/EBIT
21.17x
EV/EBITDA
20.26x
EV/FCF
28.83x
EV/Sales
14.19x
FCF yield
3.53%
Forward P/E
22.91x
P/B ratio
17.1x
P/E ratio
27.79x
P/S ratio
13.96x
PE Ratio10 Y
33.16x
PE Ratio3 Y
30.72x
PE Ratio5 Y
31.8x
PEG ratio
1.73x
PS Forward
12.49x

Profitability

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

27
MetricValue
EBIT Margin
67.05%
EBITDA Margin
70.06%
FCF margin
49.24%
Gross margin
97.78%
Gross Profit
$42.1B
Gross Profit Growth
14.38%
Gross Profit Growth Q
17.08%
Gross Profit Growth3 Y
11.61%
Gross Profit Growth5 Y
15.31%
Net Income
$22B
Net Income Growth
11.82%
Net Income Growth Q
31.55%
Net Income Growth Quarters
2%
Net Income Growth Years
5%
Net Income Growth3 Y
12.48%
Net Income Growth5 Y
16.34%
Pretax Margin
61.49%
Profit Margin
51.68%
Profit Per Employee
$646,129
Profitable Years
18
ROA
19.19
Roa5y
15.14
ROCE
43.73
ROE
60.35
Roe5y
44.7
ROIC
54.32
Roic5y
42.01

Growth

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

29
MetricValue
Cagr10y
15.97%
Cagr15y
21.2%
Cagr1y
-8.2%
Cagr3y
12.05%
Cagr5y
7.34%
Div CAGR10
17.02%
Div CAGR3
14.66%
Div CAGR5
15.59%
EPS Growth
15.22
EPS Growth Q
35.53
EPS Growth Quarters
2
EPS Growth Years
5
EPS Growth3 Y
15.31
EPS Growth5 Y
18.85
FCF Growth
3.3%
FCF Growth Q
-39.9%
FCF Growth3 Y
5.25%
FCF Growth5 Y
13.41%
OCF Growth
3.96%
OCF Growth Q
-35.93%
OCF Growth10 Y
13.07%
OCF Growth3 Y
5.9%
OCF Growth5 Y
13.77%
Revenue Growth
14.37x
Revenue Growth Q
17.05x
Revenue Growth Quarters
20x
Revenue Growth Years
5x
Revenue Growth3 Y
11.57x
Revenue Growth5 Y
15.04x

Financial strength

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

22
MetricValue
Asset Turnover
$0.46
Assets
$95B
Cash
$13.9B
Current Assets
$31.6B
Current Liabilities
$29.1B
Debt
$24B
Debt EBITDA
$0.79
Debt Equity
$0.67
Debt FCF
$1.13
Equity
$35.7B
Interest Coverage
46.46
Liabilities
$59.4B
Long Term Assets
$63.4B
Long Term Liabilities
$30.3B
Net Cash
$-10.1B
Net Cash By Market Cap
$-1.68
Net Debt EBITDA
$0.33
Net Debt Equity
$0.28
Net Debt FCF
$0.48
Tangible Book Value
$-13.5B
Tangible Book Value Per Share
$-7.17
WACC
8.32

Liquidity

Current-asset coverage and working-capital efficiency metrics.

5
MetricValue
Current ratio
1.09
Net Working Capital
$-9.8B
Quick ratio
0.67
Working Capital
$2.5B
Working Capital Turnover
$16.87

Dividends and buybacks

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

10
MetricValue
Buyback Yield
2.95%
Dividend Growth
13.54%
Dividend Growth Years
18%
Dividend per share
$2.68
Dividend Years
19
Dividend Yield
0.84%
Ex Div Date
2026-05-12
Last Dividend
$0.67
Payout Frequency
Quarterly
Payout Ratio
22.67%

Performance and technicals

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

42
MetricValue
10Y total return
339.99%
1Y total return
-8.2%
200-day SMA
332
3Y total return
40.7%
50-day SMA
311.5
50-day SMA vs 200-day SMA
50under200
5Y total return
42.48%
All Time High
375.5
All Time High Change
-15.1%
All Time High Date
2025-06-11
All Time Low
10.45
All Time Low Change
2,952.08%
All Time Low Date
2009-01-23
ATR
7.06
Beta
0.78
Beta1y
0.91
Beta2y
0.78
Ch YTD
-9.1
High
321.1
High52
375.5
High52 Date
2025-06-11
High52ch
-15.1%
Low
316.2
Low52
293.9
Low52 Date
2026-04-01
Low52ch
8.47%
Ma50ch
2.34%
Premarket Change Percent
0.1
Premarket Price
$322
Premarket Volume
5,520
Price vs 200-day SMA
-3.97%
RSI
52.83
RSI Monthly
51.5
RSI Weekly
47.82
Sharpe ratio
-0.46x
Sortino ratio
-0.39
Total Return
3.79%
Tr YTD
-8.91
Tr15y
1,689.23%
Tr1m
5.37%
Tr1w
-2.82%
Tr3m
-3.66%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

18
MetricValue
Analyst Count
20
Analyst Count Top
4
Analyst Price Target Top
$401
Analyst Ratings
Strong Buy
Analyst Ratings Top
Strong Buy
Earnings EPS Estimate
$3.1
Earnings EPS Estimate Growth
12.32
Earnings Revenue Estimate
10,740,756,800x
Earnings Revenue Estimate Growth
11.95x
Operating Income
$28.9B
Operating Income Growth
14.68
Operating Income Growth Q
17.53
Operating Income Growth3 Y
11.66
Operating Income Growth5 Y
15.96
Operating margin
67.05
Price target
$396
Price Target Change
$24.19
Price Target Change Top
$25.87

Ownership and float

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

11
MetricValue
Float
1,717,790,244%
Float Percent
91.17%
Net Borrowing
2,919,000,000
Shares Insiders
0.05%
Shares Institutions
81%
Shares Out
1,884,124,957
Shares Qo Q
-0.88%
Shares Yo Y
-2.95%
Short Float
1.36%
Short Ratio
3.34
Short Shares
1.24

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

75
MetricValue
Adjusted FCF
$20.3B
Average Volume
7,144,798.6x
Bv Per Share
18.64
CAPEX
$-1.6B
Ch10y
310.2
Ch15y
1,505.8
Ch1m
5.37
Ch1w
-2.82
Ch1y
-8.88
Ch3m
-3.86
Ch3y
37.54
Ch5y
37.34
Ch6m
-5.13
Change
-0.78%
Change From Open
-0.69
Close
321.3
Days Gap
-0.09
Depreciation Amortization
1,292,000,000
Dollar Volume
1,896,605,719.3
Earnings Date
2026-04-28
Earnings Time
amc
EBIT
$28.9B
EBITDA
$30.1B
EPS
$11.47
F Score
7
FCF
$21.2B
FCF EV Yield
3.47x
FCF Per Share
$11.24
Financing CF
-23,224,000,000
Fiscal Year End
September
Founded
1,958
Goodwill
20,891,000,000
Graham Number
69.3634
Graham Upside
-78.24
Income Tax
$4.2B
Investing CF
-469,000,000
Is Primary Listing
1
Is Spac
No
Last Earnings Date
2026-04-28
Last Report Date
2026-03-31
Last Split Date
2015-03-19
Last Split Type
Forward
Last10k Filing Date
2025-11-06
Lynch Fair Value
$187
Lynch Upside
-41.2
Ma150
328
Ma150ch
-2.8%
Ma20
317.1
Ma20ch
0.54%
Net CF
-430,000,000
Next Earnings Date
2026-07-28
Open
321
Optionable
Yes
P FCF Ratio
28.35
P OCF Ratio
26.39
Payment Date
2026-06-01
Position In Range
53.56
Post Close
318.8
Postmarket Change Percent
-0.06
Postmarket Price
$319
Ppne
4,778,000,000
Pre Close
321.3
Price Date
2026-05-08
Price EBITDA
$19.93
Relative Volume
0.83x
Revenue
43,027,000,000x
SBC By Revenue
2.14x
Share Based Comp
920,000,000
Tax By Revenue
9.81x
Tax Rate
15.95%
Tr6m
-4.74%
Us State
California
Views
277
Volume
5,949,389
Z Score
8.27

Deeper analysis on V

14 sections in the full report · jump straight to what you need
Forecast
Bull, base, and bear cases with expected-return framing.
→
Valuation
Fair-value bridge, DCF, owner earnings, and peer multiples.
→
Sensitivity
Cost-of-equity and terminal-growth stress table.
→
Risks
Kill scenarios, soft-pass flags, and downside catalysts.
→
Earnings
Next earnings setup and beat / inline / miss thresholds.
→
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.
→
Moat
Economic-profit evidence and competitive advantage risk.
→
Industry cycle
Sector phase, capital cycle, and secular tailwinds.
→
Scorecard
Six-factor overlay and 9-category weighted scorecard.
→
Recommendation
Final action, action steps, opportunity, and biggest risk.
→
Perspectives
Growth, value, and income investor reads.
→
Archive
Prior monthly reports and rating changes.
→

Frequently asked questions

About this V report
What is the current V stock rating?
Visa Inc. is currently shown with Strong Buy in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.
Where can I read the full V analysis?
The full report lives at /stocks/V/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.
What fair-value range is used for V?
The latest report frames V around $306 to $499. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.
How often is the V page updated?
The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.
Strong BuyV · Fair value $402+25.1% · Confidence 88/100
Read full analysis →