V

Visa Inc.

Fundamental data last updated:May 13, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NYSE

County of HQ

US

Next Earnings Date

07/28/2026

Business Summary

Visa Inc. operates as a payments technology company worldwide. The company facilitates digital payments among consumers, merchants, financial institutions, businesses, strategic partners, and government entities. It operates VisaNet, a transaction processing network that enables authorization, clearing, and settlement of payment transactions. In addition, the company offers card products, platforms, and value-added services. It provides its services under the Visa, Visa Electron, Interlink, VPAY, and PLUS brands. Visa Inc. has a strategic agreement with Ooredoo to provide an enhanced payment experience for Visa cardholders and Ooredoo customers in Qatar. Visa Inc. was founded in 1958 and is headquartered in San Francisco, California.

 


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VALUATION

P/E

27.87

Market Cap ($M USD)

$620.78B

Forward P/E

17.10

PEG

0.27

PRICE TO SALES

14.43

PRICE TO BOOK

17.38

EV / EBITDA

22.38

5-Year Average P/E

Free Cash Flow Yield

3.41%

DCF Value

$228.60

Graham Number

$69.81

Price to FCF

29.30

EV to FCF

29.85

Earnings Yield

3.59%

FCF Yield

3.41%

DIVIDEND

Yield

0.80%

Annual Payout

$2.60

Payout Ratio

21.94%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$11.62

Next Year EPS Growth Estimate

$18.94

Next Year Revenue Growth Estimate

$6.56T

Return on Equity (ROE)

58.90%

FREE CASH FLOW

Operating Margin

61.12%

Debt-to-Equity

0.66

Piotroski F-Score

8

Altman Z-Score

7.89

Return on Invested Capital (ROIC)

39.86%

Current Ratio

1.09

Quick Ratio

1.09

Net Debt to EBITDA

0.41

Interest Coverage

26.06

Gross Profit margin

81.29%

FCF PER SHARE

$11.07

REVENUE PER SHARE

$22.49

Analyze V on TradingView

Gainseekers Quantitative Analysis

Summary

Visa Inc. appears to be a classic case of market overvaluation based on its DCF Value and Graham Number. The stock traded significantly above its intrinsic value, suggesting a potential mispricing. However, the Forward P/E of 16.83 and a robust Altman Z-score of 7.84 indicate financial stability and growth potential. The Earnings Yield of 3.65% might not scream undervaluation, but it aligns with a company that has a strong market position. Visa’s financial health is solid, yet the market’s expectations seem lofty.

AI Exposure / Tech Reliance

Operating in the Financial - Credit Services industry, Visa is well-positioned to leverage AI and tech advancements. Its infrastructure can integrate cutting-edge payment technologies, enhancing transaction efficiency. This adaptability ensures Visa remains a leader in the evolving digital payment landscape.

The Bull Case

For the value-driven investor, Visa's appeal lies in its exceptional ROIC of 39.86% and a Piotroski F-Score of 8, signaling strong operational efficiency. The company's operating margin of 61.12% highlights its pricing power and ability to convert sales into profit. Despite a modest FCF Yield of 3.47%, Visa's capital efficiency and robust cash generation make it a compelling buy for those seeking growth at a reasonable price.

The Bear Case

Despite its strengths, Visa's valuation metrics raise red flags. A Price/Book ratio of 17.11 and Price/Sales of 14.20 suggest the stock is priced for perfection. The stock's proximity to its 52-week high, coupled with an EV to FCF of 29.39, indicates potential overextension. Investors should be wary of paying a premium for growth that may already be priced in.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$362.45

Institutional Ownership %

1-Year Beta

0.78

Insider Buying % (6 Mo)

Distance to 52-Week High

15.95%

Distance to 52-Week Low

9.25%

EARNINGS SURPRISE %

6.77%

50-DAY SMA

$311.58

200-DAY SMA

$331.81

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.