V
Visa Inc.
$326.60
▼ 0.2%Updated Today 6:01 PM ET
▼ Down 3.9% over the last 12 months
Market Cap
$627.64B
P/E
26.95x
Forward P/E (est.)
23.38x
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)
5.4%
Rating Score
70/100
Institutional-style technical read — sample, educational only
Sideways — price ($326.60) sits between its 50-day ($321.04) and 200-day ($329.09) averages.
Setup type
Range / mean-reversion
Holding time
1–6 weeks
Risk level
Medium
Risk / reward
1 : 1.0
Trade levels
Entry zone
$315.34 – $326.60
Stop loss
$305.25
Target 1
$336.82
Target 2
$352.89
Target 3
$364.15
Position sizing: Scale in; risk ≤ 1% of capital, half-size to start.
Technical analysis
RSI(14) is neutral (51); the MACD histogram is positive (upward momentum). Sideways — price ($326.60) sits between its 50-day ($321.04) and 200-day ($329.09) averages. ATR(14) is $7.51 (~2.3% of price), which sets the stop distance. Recent support sits near $309.00 and resistance near $336.82; the 52-week range is $293.89–$359.66.
Fundamental analysis
Revenue is growing at 14.4%, net margin near 51.7%, ROE roughly 58.9%; shares trade at 27x 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 $7.51 (~2.3%/day) is the range to size stops and any option strikes around.
Volume analysis
The latest session traded 1.8× the 20-day average volume — above average, confirming participation.
Catalysts
The next quarterly earnings report is the main near-term catalyst. Technically, watch for a break and hold above $336.82 or a loss of $309.00.
Bullish scenario
Network effects and scale produce exceptional margins and returns.
Bearish scenario
Regulatory and interchange-fee pressure globally.
Invalidation
A daily close below $305.25 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 $326.60, around its 50-day average ($321.04) and 200-day average ($329.09). Price tangled in its moving averages means there is no clear trend — the stock is ranging.
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 51 it is in neutral territory — neither stretched nor washed out.
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 $7.51 (~2.3% 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 $309.00 (support) and sellers near $336.82 (resistance); its 52-week range is $293.89–$359.66. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.8× the 20-day average — heavier than usual, which adds conviction to the move. 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.
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.
4Y CAGR
13.5%
Revenue grew from $24.11B in 2021 to $40.00B in 2025, a 13.5% 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.
P/E
26.95x
P/S
15.25x
P/B
16.96x
EV / EBITDA
24.73x
Shares trade at roughly 27x 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.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. 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 (76 S&P 500 companies), V ranks #24 of 76 by our overall rating. It trades at a premium versus the sector on earnings (27x P/E vs. 15.2x median) with a higher return on equity (58.9% vs. 15.3%) and faster revenue growth (14.4% vs. 9.1%).
P/E vs sector
27x
median 15.2x
ROE vs sector
58.9%
median 15.3%
Growth vs sector
14.4%
median 9.1%
Sector rank
#24
of 76 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 76 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)
$1,312.93 – $2,215.57
vs. $326.60 today · expected CAGR 32% – 47%
| 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 | $48.58 | $55.39 | $63.14 | $71.98 | $82.06 |
| Share price (low) | $777.36 | $886.19 | $1,010.26 | $1,151.69 | $1,312.93 |
| Share price (high) | $1,311.79 | $1,495.45 | $1,704.81 | $1,943.48 | $2,215.57 |
| CAGR (low–high) | 138% / 302% | 65% / 114% | 46% / 73% | 37% / 56% | 32% / 47% |
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.
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.