V
Visa Inc.
$366.76
▼ 1.0%Updated Aug 7, 11:30 AM ET
V at a glance — five pillars scored 0–100 from real filed financials.
Overall: Favorable · 70/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▼ Down 3.9% over the last 12 months
Market Cap
$682.30B
P/E
30.21x
Forward P/E (est.)
26.2x
ROE
58.9%
Revenue Growth
14.4%
EPS Growth
15.3%
Profit Margin
51.7%
FCF Yield
2.6%
Debt / Equity
0.66x
ROIC
40.0%
Interest Coverage
—
Current Ratio
1.09x
Dividend Yield
0.8%
Implied Growth (rev. DCF)
5.7%
Rating Score
70/100
Visa runs a toll-booth payments network with extraordinary ~67% operating margins and minimal credit risk, profiting from the secular shift from cash to digital payments — one of the widest-moat business models in the market.
Evidence of durable competitive advantage in the filed financials (7 years of history).
The filed history looks like a business competitors struggle to attack: high and steady margins, revenue that grows through cycles, and strong returns on capital.
63.3% average over the last 3 years
±1.8 pts around 64.2% across 7 years
grew in 5 of the last 6 year-over-year periods
positive in 7 of 7 years
40.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Institutional-style technical read — sample, educational only
Uptrend — price ($366.76) is above the 50-day ($325.97) and 200-day ($328.90) averages.
Setup type
Trend-continuation swing
Holding time
1–6 weeks
Risk level
Low
Risk / reward
1 : 0.4
Trade levels
Entry zone
$357.40 – $366.76
Stop loss
$312.80
Target 1
$380.80
Target 2
$394.06
Target 3
$409.66
Position sizing: Standard size; risk ≤ 1.5% of capital.
Technical analysis
RSI(14) is overbought (86); the MACD histogram is positive (upward momentum). Uptrend — price ($366.76) is above the 50-day ($325.97) and 200-day ($328.90) averages. ATR(14) is $7.80 (~2.1% of price), which sets the stop distance. Recent support sits near $316.70 and resistance near $362.13; the 52-week range is $293.89–$362.13.
Fundamental analysis
Revenue is growing at 14.4%, net margin near 51.7%, ROE roughly 58.9%; shares trade at 30x earnings. Quality score: 70/100.
Options flow
Live options-flow data needs a paid feed, so it isn't shown. For realized volatility, ATR of $7.80 (~2.1%/day) is the range to size stops and any option strikes around.
Volume analysis
The latest session traded 1.1× the 20-day average volume — roughly in line with normal activity.
Catalysts
The next quarterly earnings report is the main near-term catalyst. Technically, watch for a break and hold above $362.13 or a loss of $316.70.
Bullish scenario
Network effects and scale produce exceptional margins and returns.
Bearish scenario
Regulatory and interchange-fee pressure globally.
Invalidation
A daily close below $312.80 invalidates this setup read.
Probability-based scenario using sample data — not a recommendation or a guarantee of profit. Prioritize capital preservation, use stops, and size positions for risk. Past performance does not predict future results.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what V's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. V trades near $366.76, above its 50-day average ($325.97) and 200-day average ($328.90). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 86 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. V's is $7.80 (~2.1% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month V found buyers near $316.70 (support) and sellers near $362.13 (resistance); its 52-week range is $293.89–$362.13. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.1× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
13.5%
Revenue grew from $22.98B in 2019 to $40.00B in 2025, a 9.7% CAGR. The most recent year grew about 14.4% year over year, a healthy pace pointing to durable demand.
Gross Margin
—
Operating Margin
60.0%
Net Margin
50.1%
ROE
58.9%
Gross margin runs near 81.3% with operating margin around 61.1% and net margin near 51.7%. Return on equity of roughly 58.9% indicates strong capital efficiency, and the margin profile has trended high and stable over the period shown.
Total Debt
$20.92B
Net Debt
$8.52B
Net Debt / EBITDA
0.35x
Debt / Equity
0.66x
Interest-bearing debt is about 3.0% of market capitalization and the debt-to-equity ratio is roughly 0.66x. Leverage is low, leaving the balance sheet well within comfortable limits.
Operating CF
$23.06B
Free Cash Flow
$21.58B
FCF Margin
53.9%
Operating cash flow comfortably exceeds reported net income, and free cash flow yield is around 2.6%. Cash generation is positive but partly absorbed by reinvestment and capital expenditure.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
0.8%
Per share (latest FY)
$0.59
Total paid (latest FY)
$4.63B
History on record
7 years
dividend uses 21% of free cash flow
23% of net income paid out
total dividends increased 6 years in a row
no cuts in the last 7 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
30.21x
P/S
15.25x
P/B
19.01x
EV / EBITDA
25x
Shares trade at roughly 30x trailing earnings (28x forward), 15.3x sales, and 25x EV/EBITDA. That is a full but defensible multiple for a quality franchise. Our internal rating is Favorable.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$1,405.45
Current price
$366.76
Starting FCF (latest 10-K)
$21.58B
Growth, years 1–5
14.4%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where V sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How V stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), V ranks #42 of 289 by our overall rating. It trades at a premium versus the sector on earnings (30.2x P/E vs. 15.8x median) with a higher return on equity (58.9% vs. 13.6%) and slower revenue growth (14.4% vs. 15.9%).
P/E vs sector
30.2x
median 15.8x
ROE vs sector
58.9%
median 13.6%
Growth vs sector
14.4%
median 15.9%
Sector rank
#42
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $366.76 today · expected CAGR 0% – 11%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $45.60B | $51.98B | $59.26B | $67.56B | $77.02B |
| Net income | $22.80B | $25.99B | $29.63B | $33.78B | $38.51B |
| EPS | $12.26 | $13.97 | $15.93 | $18.16 | $20.70 |
| Share price (low) | $220.60 | $251.49 | $286.70 | $326.84 | $372.59 |
| Share price (high) | $367.67 | $419.15 | $477.83 | $544.73 | $620.99 |
| CAGR (low–high) | -40% / 0% | -17% / 7% | -8% / 9% | -3% / 10% | 0% / 11% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
- Network effects and scale produce exceptional margins and returns.
- Secular tailwind from cash-to-digital and cross-border payments.
- Asset-light model with strong free cash flow.
- Regulatory and interchange-fee pressure globally.
- Emerging real-time payment rails could disintermediate card networks.
- Premium valuation leaves little room for growth disappointment.
- Interchange regulation.
- New payment technologies bypassing card rails.
- Consumer-spending cyclicality.
Visa is a wide-moat payments compounder with rare unit economics; the main debates are valuation and the long-term threat from account-to-account payment rails.
Analyst Ratings
What 51 Wall Street analysts covering V recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
V's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
V — frequently asked questions
Is V a good stock to buy?
We don't give buy or sell advice. Our model rates Visa Inc. Favorable (70/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is V's rating on The Stocks School?
Visa Inc. currently scores 70/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does V's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Visa Inc.'s SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for V calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this V analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell V. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.