Visa Inc. (V) Stock Score, Valuation & Financial Research

Visa Inc. is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 45/100.

Quick answer for V

Visa Inc. currently has a Wall Street Score of 45/100. The stored market price is USD 400.60. Its financial score is 46/100. Its valuation score is 10/100. These figures are a research snapshot, not a buy or sell recommendation.

What Visa Inc. does

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. In addition to this core infrastructure, the company also provides a variety of card products, innovative digital platforms, and an extensive range of supplementary value-added services. These offerings are distributed under several widely recognized brands, including Visa, Visa Electron, Interlink, VPAY, and PLUS. Demonstrating its commitment to enhancing user experience, Visa Inc. has established a key strategic partnership with Ooredoo in Qatar, focused on improving payment solutions for Visa cardholders and Ooredoo customers within the country. The company was established in 1958 and its corporate headquarters are situated in San Francisco, California.

Company business and revenue

Research reporting period: 2025-09-30. A research update is not a new financial filing.

How the company makes 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 and 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 and product families

Visa — The primary global brand for payment products and network services. Source
Visa Electron — Debit card brand. Source
V PAY — Debit card brand. Source
Interlink — Debit card brand. Source
PLUS — ATM and cash access brand. Source

Geographic revenue

Non-US: USD 24,367,000,000 · 60.92% calculated revenue share (period 2025-09-30) Source
UNITED STATES: USD 15,633,000,000 · 39.08% calculated revenue share (period 2025-09-30) Source

Revenue share is not a unit-sales or best-seller ranking. Categories may overlap; do not add rows from different breakdowns.

Customer types

Financial Institutions; Merchants; Consumers; Government Entities; Fintech Companies.

Suppliers, materials and 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 and partnerships

Financial Institutions — Visa partners with nearly 14,500 financial institutions globally to issue Visa-branded payment products and offer payment solutions. Source
Fintech and AI Companies — Visa collaborates with emerging fintech and AI companies to innovate and expand the payments ecosystem. Source

Competitors and product-market comparisons

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

Business strengths to evaluate

Global scale and network reach Source
Strong brand recognition Source
Diverse business model with growing value-added services Source

Business risks and research considerations

Regulatory risks and government-imposed obligations Source
Intense competition in the payments industry Source
Cybersecurity and data protection threats Source

Sources: Annual company report

Company research refreshed 2026-10-02. This is saved research, not a live check of company relationships. Check the reporting period and source disclosures. Financial figures and scores follow their separate update schedules.

V financial snapshot

Statement amounts: USD. Quote amounts: USD. No exchange-rate conversion is performed in this snapshot. Market-capitalization currency is not supplied by this projection.

Wall Street Score:: 45/100
Stored price:: USD 400.60
Market capitalization:: 747.99B (currency not supplied)
Revenue:: USD 44.49B
Net income:: USD 22.59B
Free cash flow:: USD 21.58B
Cash:: USD 12.36B
Total debt:: USD 23.86B
EPS:: USD 11.77
P/E ratio:: 34.0x
Financial score:: 46/100
Valuation score:: 10/100
Revenue score:: 43/100

What stands out

Reported year-over-year revenue growth is +11.2%.
Free cash flow is USD 21.58B, positive for the stored period.
The balance sheet shows USD 12.36B of cash versus USD 23.86B of total debt, with debt exceeding cash on these two reported measures.

Company-specific financial comparisons

The following are calculated from saved company data, not forecasts or statements about future performance. Differences in reporting dates or units can make a ratio misleading; verify the original filings.

Free cash flow is 48.5% of stored revenue. This is a simple cross-field ratio, not a verified same-period cash conversion margin; confirm reporting periods before comparison.
Net income equals 50.8% of stored revenue. This is an indicative ratio only; accounting periods and units should be verified in filings.
Debt exceeds cash by USD 11.5B using the stored balance-sheet values. This does not include other obligations or restricted cash.

Questions worth answering for V

Use these questions to check the stored figures against the latest company filings. They identify issues to investigate; they are not findings about management's plans or future results.

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?

What the numbers mean

Its current valuation score is 10/100, which Wall Street Score classifies as weak within the model's valuation framework.

The financial score is 46/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.

A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.

Data freshness: Financial data last refreshed 2026-10-26.

Research-input completeness: 100% of the scoring inputs required for this public page are currently available.

How to research V

Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.

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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.