Visa Inc.
V · Price history
Price at last available close
$400.60
+$34.72 (+9.49%) 1M
2026-10-28
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Company & revenue
About Visa Inc.
Primary reporting period: 2025-09-30 · Research updated Oct 2, 2026. A research update is not a new financial filing.
Who they are
Visa Inc. functions globally as a leading technology company dedicated to payments. Its primary role is to enable the secure and efficient digital transfer of funds among a wide array of participants, including individual consumers, retail businesses, banking institutions, corporations, strategic partners, and governmental bodies. At the heart of its operations is VisaNet, a highly sophisticated transaction processing network that handles the critical functions of authorizing, clearing, and settling all payment transactions.
How they make money
Visa operates a global payments network that facilitates the movement of money between consumers, merchants, financial institutions, and government entities. The company earns revenue primarily through transaction-based fees for processing payments, as well as through value-added services such as issuing, acceptance, risk management, and advisory solutions.
Products & services
Visa provides payment processing services, digital payment credentials (credit, debit, and prepaid cards), and a suite of value-added services including tokenization, fraud prevention, and data analytics.
Brands & revenue mix
The primary global brand for payment products and network services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
Customer types
Customer concentration
Visa does not disclose any single customer that accounts for a significant portion of its total revenue as of the fiscal year ended September 30, 2025.
Suppliers, materials & equipment
- Technology and Infrastructure Providers — Visa relies on various third-party technology and infrastructure providers to support its global network operations; specific supplier names are unnamed.Source
Business relationships & partnerships
Competitors
- Mastercard — Global payment network offering branded, general-purpose card payment products.Source
- American Express — Global payment network and card issuer.Source
- Discover — Global payment network (owned by Capital One).Source
- UnionPay — Global payment network with a leading position in China.Source
- JCB — Global payment network with a leading position in Japan.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
45
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
81
Strong
Financial Strength
67
Business Quality / Moat
93
Management
100
Growth Quality
51
Risk / Durability
96
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
41
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
48/100
Building Historical Record
Model Score 48/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Recent buyback activity is present
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
- •Asset quality is a weaker factor
Company-specific research
Questions worth answering for V
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can V maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is V's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does V's balance between cash and debt leave enough flexibility if business conditions weaken?
- •What future growth or profitability would be needed to justify V's current valuation?
Essential Investment Snapshot
Wall Street Score
45
Opportunity Score
41
Market Cap
$747.99B
P/E Ratio
34.5
EPS
$11.77
52-Week High
$414.60
52-Week Low
$293.89
Beta
0.77
Intrinsic Value
$357.13
Analyst Target
$430.00
Shares Outstanding
1.97B
Total Revenue
$44.49B
Total Debt
$23.86B
Reported Dividend Yield
0.61%
Liquidation Value / Share
$17.89
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Building upward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for V
Detected from reported data — verify before acting.Dividend history reported
The provider reports a dividend yield. Confirm the latest declaration before treating it as a current payment.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on V.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Global scale and network reach.
- +Strong brand recognition.
- +Diverse business model with growing value-added services.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
- −Regulatory risks and government-imposed obligations.
- −Intense competition in the payments industry.
- −Cybersecurity and data protection threats.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
45
Oct 1, 2026
Change
Unchanged
Current Score
45
Oct 26, 2026
Category Changes
V score was unchanged.
Positive Contributors
- + Moat improved by 4.6 points
Negative Contributors
- − Capital declined by 4 points
Projected Score
Projected Score
44
Projected Change
-0.4 points
Preliminary comparable-period financial changes suggest decline of approximately 0.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
OvervaluedCurrent Price
$400.60
Model Intrinsic Value
$357.13
Difference
+$43.47
+12.2% vs IV
Margin of Safety
-12.2%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $44.49B | $40.00B | $35.93B | $32.65B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $8.82B | $7.86B | $7.04B | $6.57B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $35.67B | $32.15B | $28.88B | $26.09B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $5.14B | $4.37B | $3.79B | $3.22B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $8.68B | $8.15B | $5.29B | $5.09B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $29.10B | $26.00B | $25.59B | $22.62B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $27.00B | $23.99B | $23.59B | $21.00B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $1.16B | $589.0M | $641.0M | $644.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $26.96B | $24.19B | $23.92B | $21.04B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $4.36B | $4.14B | $4.17B | $3.76B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $22.59B | $20.06B | $19.74B | $17.27B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $11.77 | $10.22 | $9.74 | $8.29 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 1.91B | 1.94B | 2.00B | 2.08B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 1.93B | 1.97B | 2.03B | 2.08B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$11.63B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$2.97
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-5.1%
Cash Change
-27.7%
Margin Change
-3.4 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth, debt levels. Pressure indicators included cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 14.4%. EPS increased 10.4%. Cash declined 27.7%. Total debt declined 5.1%. Net income margin declined by 3.4 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
68
Smart Money
68
Number of Gurus
26
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
A dividend is reported, but detailed payment history is temporarily unavailable or awaiting refresh.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
5 historical recordsHistorical Score Chart
3 of 5 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Credit ServicesNews
Visa Just Hiked Its Dividend 16.4%. The Small Yield Is Hiding a Compounding Machine
Visa Q4 Earnings Beat Estimates on Strong Payment Volumes
Visa Analysts Increase Their Forecasts Following Upbeat Q3 Earnings
Visa Likely to Beat Q4 Earnings, but is That Enough to Buy the Stock?
Rumor Mill · V
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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