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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.

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

Metric

Value

Amount currency

BRL

Country

United States

Country code

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

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

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

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

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%

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

Profitable years

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%

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

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

EPS growth years

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

Net income growth years

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

Revenue growth years

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

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

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%

Metric

Value

Book value per share

BRL 104.55

Debt / EBITDA

0.71

Debt / equity

0.61

Debt / FCF

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

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%

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

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

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%

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

Dividend payment date

2026-09-11

Dividend payment years

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%

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%

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

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%

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%

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%

BVMF/VISA34 (BVMF/VISA34)

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