V

Visa Inc.

Fundamental data last updated:July 2, 2026

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

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. 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.

 


VALUATION

P/E

30.21

Market Cap ($M USD)

$672.96B

Forward P/E

18.54

PEG

0.29

PRICE TO SALES

15.64

PRICE TO BOOK

18.84

EV / EBITDA

24.23

5-Year Average P/E

Free Cash Flow Yield

3.15%

DCF Value

$226.69

Graham Number

$69.81

Price to FCF

31.77

EV to FCF

32.31

Earnings Yield

3.31%

FCF Yield

3.15%

DIVIDEND

Yield

0.74%

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

8.23

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

Gainseekers Quantitative Analysis

Summary

Visa Inc. appears to be priced for perfection, with its market valuation significantly extended above its DCF value and Graham Number. The Forward P/E of 18.11 suggests some growth expectations, but the Earnings Yield of 3.39% indicates a modest return relative to its price. However, the Altman Z-score of 8.23 underscores its financial robustness, signaling low bankruptcy risk. Despite these strengths, the stock’s current price reflects a premium that may not be justified by its intrinsic value.

AI Exposure / Tech Reliance

Operating within the Financial - Credit Services industry, Visa is well-positioned to leverage AI and modern technology. Its vast data network and transaction processing capabilities can be enhanced through AI, optimizing fraud detection and customer experience. This adaptability ensures Visa remains at the forefront of technological shifts in financial services.

The Bull Case

For the value or GARP investor, Visa's appeal lies in its impressive ROIC of 39.86% and a strong Piotroski F-Score of 8, indicating efficient capital allocation and financial health. The operating margin of 61.12% highlights its pricing power, while a robust FCF Yield, despite being modest, reflects consistent cash generation. These metrics paint a picture of a company with formidable capital efficiency and a strong competitive position.

The Bear Case

Despite its strengths, Visa's high valuation multiples, such as a Price/Book of 18.41 and Price/Sales of 15.28, raise concerns about overvaluation. The stock's proximity to its 52-week high suggests it may be technically overextended. Additionally, the Price to FCF ratio of 31.04 indicates that investors are paying a hefty premium for its cash flows, which could limit future upside potential.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$390.18

Institutional Ownership %

1-Year Beta

0.77

Insider Buying % (6 Mo)

Distance to 52-Week High

2.44%

Distance to 52-Week Low

16.29%

EARNINGS SURPRISE %

6.77%

50-DAY SMA

$324.18

200-DAY SMA

$328.72

⚠️ 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.