Visa Inc. (V)

NYSE: V · USD

$401

-1.13 (-0.3%)· Recorded snapshot

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StockMarketAgent Research · Analyzed 2026-09-20

Our latest published analysis: V rated Hold

Visa Inc.'s published Hold conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$393 / share

Potential value

$536 / share

Upside to FV

+6.7%

from $401

Moat

9/10

Wide

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$691.4B
Revenue (ttm)	45.9B
Net income (ttm)	23.5B
EPS (ttm)	$11.6
Shares out	1.9B
P/E (trailing)	34.4x
P/E (forward)	24.6x
Dividend	$2.68 (0.67%)
Volume	5,866,578
Beta	0.77

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 45.9B
Net income (ttm): 23.5B
EPS (ttm): $11.6
P/E (trailing): 34.4x
P/E (forward): 24.6x
Market cap: $691.4B

Item	P1	P2	P3	P4	P5	Trend
Period	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30	Trend
Revenue	$24.11B	$29.31B	$32.65B	$35.93B	$40.00B	+13.5%
Gross profit	$19.14B	$23.58B	$26.09B	$28.88B	$32.15B	+13.8%
Operating income	$15.80B	$18.81B	$21.00B	$23.60B	$23.99B	+11.0%
Net income	$12.31B	$14.96B	$17.27B	$19.74B	$20.06B	+13.0%
EPS (diluted)	$5.91	$7.51	$8.76	$10.05	$11.47	+18.0%
EBITDA	$17.38B	$19.54B	$22.62B	$25.59B	$26.00B	+10.6%
R&D	—	—	—	—	—	—
SG&A	$1.39B	$1.70B	$1.88B	$2.23B	$2.69B	+17.9%

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ADBE	Adobe Inc.	97.1B	13.9x	3.7x	57.2%	+11.5%	-30.7%	Mua mạnh
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Mua mạnh
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Mua mạnh
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Giữ

Base and Bull scenarios

Base60%

Price target

$392.89

+6.7% from spot

The base scenario reflects Visa's core compounding trajectory, with payment volume tracking nominal economic expansion and steady international cash-to-digital migration, yielding a target of $392.89 and an expected return of 6.7% relative to $368.29. This path requires operating margins to remain stable near historical levels and would be disconfirmed if client incentive growth accelerates sharply.

Operating margins remain stable supported by transaction processing architecture.
Net revenue growth tracks consensus expectations across core domestic and international markets.
Capital reinvestment needs remain modest, enabling consistent capital return to shareholders.

Bull15%

Price target

$536.48

+45.7% from spot

Under the bull scenario, accelerated penetration into commercial payments and value-added fraud analytics drives double-digit payment volume expansion, lifting the shares toward $536.48 with an estimated 45.7% return. This path requires cross-border transaction volume outperformance to persist through subsequent fiscal periods, and would be disconfirmed if foreign travel spend contracts.

Cross-border travel and retail transaction spending maintain double-digit nominal growth.
Value-added cyber and identity services achieve high commercial adoption across issuing banks.
Share repurchases continue retiring outstanding share count at an accretive pace.

Sensitivity: Ke × terminal growth

The highlighted cell is Fair value when every assumption sits at its base level ($392.89). Each row and column shows what Fair value becomes when one assumption moves.

Ke ↓ / g →	2.6%	3.1%	3.6%	4.1%	4.6%
6.3%	$491	$532	$590	$678	$827
7.3%	$412	$434	$463	$501	$554
8.3%	$362	$375	$393	$411	$437
9.3%	$327	$335	$345	$357	$372
10.3%	$300	$306	$313	$321	$330

Scorecard

Published factor rows and weighted composite

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/E24.6

P25 n/aP50 n/aP75 n/a

Trailing P/E31.5

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 V indicators

Market & fundamental data

Available fields

291

Groups with data

Currency

USD

Showing 291 of 291 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	USD
CIK code	0001403161
Company name	Visa Inc.
Country	United States
Country code	US
CUSIP number	92826C839
Earnings date	2026-10-27
Earnings time	amc
Employees	34,100
Employees change	2,500
Employees growth	7.91%
Enterprise value	$753.2B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	September
Founded	1958
In index	SP500, DOW30
Industry	Credit Services
IPO date	2008-03-19
Is primary listing	Yes
Is SPAC	No
ISIN number	US92826C8394
Last 10-K release date	2025-11-06
Last earnings date	2026-10-27
Last refreshed	2026-10-28
Last stock split date	2015-03-19
Last stock split type	Forward
Market cap	$745.2B
Market cap category	Mega-Cap
Next earnings date	2027-01-28
Options	Yes
Price	$400.75
Price currency	USD
Sector	Financials
SIC code	7389
Stock price date	2026-10-28
Symbol	V
U.S. state	California
Website	https://www.visa.com

Valuation

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

Metric	Value
Adjusted P/E ratio	30.18x
Average P/E ratio (10Y)	31.13x
Average P/E ratio (3Y)	29.49x
Average P/E ratio (5Y)	28.84x
Earnings yield	2.9%
EV/Earnings	32.21x
EV/EBIT	25.35x
EV/EBITDA	24.21x
EV/FCF	34.33x
EV/Sales	16.5x
FCF / EV yield	2.91%
FCF yield	2.94%
Forward EV/Sales	14.85x
Forward P/E	26.65x
Forward P/S	14.69x
Graham number	72.69199
Graham upside	-81.96%
Industry forward P/E	19.6x
Industry P/E	22.78x
Lynch fair value	$167.27
Lynch upside	-58.48%
P/(FCF - SBC) ratio	35.46x
P/(OCF - SBC) ratio	32.86x
P/B ratio	19.91x
P/E ratio	34.44x
P/FCF ratio	33.97x
P/OCF ratio	31.57x
P/S ratio	16.32x
PEG ratio	1.85x
Price/EBITDA ratio	23.95x
Sector forward P/E	13.61x
Sector P/E	15.65x

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	48.05%
Gross margin	97.68%
Operating margin	65.08%
Pretax margin	61.2%
Profit margin	51.2%
Profit per employee	$689,267
Profitable quarters	56
Profitable years	18
Revenue per employee	$1.3M
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	$-1.7B
Depreciation and amortization	$1.4B
EBIT	$29.9B
EBITDA	$31.3B
EPS	$11.64
FCF per share	$11.86
Financing cash flow	$-28.2B
Free cash flow	$22.1B
Free cash flow minus SBC	$21.1B
Gross profit	$44.8B
Income taxes	$4.6B
Investing cash flow	$-994M
Net borrowing	$-2.6B
Net cash flow	$-5.9B
Net income	$23.5B
Operating cash flow minus SBC	$22.8B
Operating income	$29.9B
Revenue	$45.9B
Stock-based compensation	$928M

Financial strength

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

Metric	Value
Book value per share	$20.18
Debt / EBITDA	0.71
Debt / equity	0.61
Debt / FCF	1
Goodwill	$20.8B
Interest coverage	39.41
Long-term assets	$63.9B
Long-term liabilities	$26.7B
Net cash (debt)	$-8B
Net cash / market cap	-1.07%
Net debt / EBITDA	0.26
Net debt / equity	0.22
Net debt / FCF	0.36
Piotroski F-Score	6
Property, plant and equipment	$5.1B
Shareholders' equity	$36.1B
Tangible book value	$-12.6B
Tangible book value per share	$-7.12
Total assets	$94.4B
Total cash	$14.1B
Total debt	$22.1B
Total liabilities	$58.2B
WACC	8.33%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.47
Current assets	$30.5B
Current liabilities	$31.6B
Current ratio	0.97
Net working capital	$-12.5B
Quick ratio	0.63
Working capital	$-1.1B
Working capital turnover	56.81

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	-2.75%
Dividend growth	13.56%
Dividend growth (10Y)	16.95%
Dividend growth (3Y)	14.19%
Dividend growth (5Y)	15.93%
Dividend growth years	17
Dividend payment date	2026-09-01
Dividend payment years	19
Dividend payout frequency	Quarterly
Dividend per share	$2.68
Dividend yield	0.67%
Ex-dividend date	2026-08-11
FCF payout ratio	22.59%
Last dividend	$0.67
Payout ratio	23.03%
Shareholder yield	-2.08%

Performance and technicals

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

Metric	Value
10Y price change	390.16%
10Y return CAGR	18.06%
10Y total return	426.01%
150-day SMA	$348.81
15Y price change	1,601.44%
15Y return CAGR	21.67%
15Y total return	1,796.4%
1D price change	-0.28%
1M price change	9.3%
1M total return	9.3%
1W price change	-1.24%
1W total return	-1.24%
1Y price change	15.45%
1Y return CAGR	16.38%
1Y total return	16.37%
20-day SMA	$390.99
200-day SMA	$341.37
3M price change	10.76%
3M total return	10.97%
3Y price change	75.14%
3Y return CAGR	21.45%
3Y total return	79.18%
50-day SMA	$379.47
50-day SMA vs 200-day SMA	50over200
52-week high	$414.60
52-week high date	2026-10-22
52-week low	$293.89
52-week low date	2026-04-01
5Y price change	86.09%
5Y return CAGR	14.09%
5Y total return	93.27%
6M price change	29.68%
6M total return	30.19%
After-hours change	0.24%
After-hours close	$400.75
After-hours price	$401.71
All-time high	$414.60
All-time high date	2026-10-22
All-time low	$10.45
All-time low date	2009-01-23
Average true range (ATR)	$6.96
Average volume	5.9M
Beta (1Y)	0.45
Beta (2Y)	0.74
Beta (5Y)	0.77
Change from 52-week high	-3.34%
Change from 52-week low	36.36%
Change from all-time high	-3.15%
Change from all-time low	3,744.33%
Change from open	1.34%
Day's gap	-1.59%
Dollar volume	$2.4B
High price	$404.37
Low price	$395.00
Monthly RSI	66.96
Open price	$395.46
Position in 52-week range	61.37%
Premarket change	0.03%
Premarket close	$401.86
Premarket price	$402.00
Premarket volume	87.1K
Previous close	$401.86
Price vs 150-day SMA	15.12%
Price vs 20-day SMA	2.7%
Price vs 200-day SMA	17.63%
Price vs 50-day SMA	5.82%
Relative volume	1
RSI	62.08
Sharpe ratio	0.61
Sharpe ratio (3Y)	0.85
Sharpe ratio (5Y)	0.45
Sortino ratio	1.26
Sortino ratio (3Y)	1.52
Sortino ratio (5Y)	0.92
Volume	5.9M
Weekly RSI	68.55
YTD price change	14.49%
YTD total return	15.18%

Ownership and float

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

Metric	Value
Float	1.7B
Float percentage	91.49%
Shares change (QoQ)	85.14%
Shares change (YoY)	2.75%
Shares held by insiders	0.04%
Shares held by institutions	81.57%
Shares outstanding	1.9B
Short % of float	1.21%
Short % of shares	1.11%
Short ratio	3.4 days

Other indicators

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

Metric	Value
Page views	1,371

Deeper analysis on V

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.

→

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

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this V report

What is the latest published V stock rating?

Visa Inc. is shown with Hold in the latest published report, analyzed 2026-09-20. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full V analysis?

The full latest published report, analyzed 2026-09-20, lives at /stocks/V/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for V?

The latest published report analyzed 2026-09-20 gives V a fair value of USD 393 and a potential value of USD 536. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the V page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-09-20). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

HoldV · Fair value $393+6.7%

Read full analysis →

Visa Inc. (V)

Our latest published analysis: V rated Hold

Price

Financial snapshot

Fair-value bridge

Latest news · V

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All V indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Other indicators

Deeper analysis on V

Frequently asked questions

Lịch sử xếp hạng

Category	Score	Reading
Valuation	6.0
Management	8.5
Balance Sheet	4.0
Profitability	8.5
Revenue Growth	6.0
Risk Assessment	6.0
Competitive Moat	9.0
Earnings Quality	6.5
Capital Efficiency	8.5