(V) Visa - Overview
Stock: Cards, Processing, Direct, Advisory, Risk
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.72% |
| Yield on Cost 5y | 1.56% |
| Yield CAGR 5y | 16.27% |
| Payout Consistency | 100.0% |
| Payout Ratio | 16.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 18.7% |
| Relative Tail Risk | -1.10% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.23 |
| Alpha | -17.27 |
| Character TTM | |
|---|---|
| Beta | 0.756 |
| Beta Downside | 0.670 |
| Drawdowns 3y | |
|---|---|
| Max DD | 15.01% |
| CAGR/Max DD | 0.96 |
Description: V Visa January 26, 2026
Visa Inc. (NYSE: V) operates a global payment-technology platform that processes authorizations, clearing, and settlement for credit, debit, prepaid, and emerging-payment products through its VisaNet network. The firm monetizes a suite of services-including tokenized “tap-to-pay,” Visa Direct money-movement, and a range of issuer and merchant solutions-under the Visa, Visa Electron, V PAY, Interlink, and PLUS brands, serving consumers, merchants, financial institutions, and governments worldwide.
Key recent metrics (Q3 2024, company release): net revenue rose 3 % YoY to $7.5 billion, driven by a 2.8 % increase in total processed transaction volume to 10.5 billion transactions and a 4 % uplift in cross-border spend. The payment-services sector is benefiting from a 10 % CAGR in global digital-payment volumes (McKinsey, 2024) and from sustained U.S. consumer spending growth of ~2 % quarterly, despite higher interest rates-both factors that underpin Visa’s volume-based revenue model. However, the firm’s net income margin remains sensitive to pricing pressure from competing networks and regulatory caps on interchange fees in key markets, which could temper future margin expansion.
For a deeper quantitative assessment, consider reviewing Visa’s valuation and risk metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income: 20.79b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.24 > 0.02 and ΔFCF/TA 1.48 > 1.0 |
| NWC/Revenue: 8.47% < 20% (prev 9.59%; Δ -1.12% < -1%) |
| CFO/TA 0.25 > 3% & CFO 24.44b > Net Income 20.79b |
| Net Debt (6.42b) to EBITDA (26.20b): 0.25 < 3 |
| Current Ratio: 1.11 > 1.5 & < 3 |
| Outstanding Shares: last quarter (2.19b) vs 12m ago 10.53% < -2% |
| Gross Margin: 80.65% > 18% (prev 0.79%; Δ 7986 % > 0.5%) |
| Asset Turnover: 43.87% > 50% (prev 40.05%; Δ 3.82% > 0%) |
| Interest Coverage Ratio: 41.49 > 6 (EBITDA TTM 26.20b / Interest Expense TTM 601.0m) |
Altman Z'' 2.85
| A: 0.04 (Total Current Assets 35.00b - Total Current Liabilities 31.49b) / Total Assets 96.81b |
| B: 0.17 (Retained Earnings 16.02b / Total Assets 96.81b) |
| C: 0.26 (EBIT TTM 24.93b / Avg Total Assets 94.35b) |
| D: 0.28 (Book Value of Equity 16.27b / Total Liabilities 58.04b) |
| Altman-Z'' Score: 2.85 = A |
Beneish M -3.44
| DSRI: 0.46 (Receivables 3.23b/6.27b, Revenue 41.39b/36.80b) |
| GMI: 0.98 (GM 80.65% / 79.21%) |
| AQI: 0.99 (AQ_t 0.59 / AQ_t-1 0.60) |
| SGI: 1.12 (Revenue 41.39b / 36.80b) |
| TATA: -0.04 (NI 20.79b - CFO 24.44b) / TA 96.81b) |
| Beneish M-Score: -3.44 (Cap -4..+1) = AA |
What is the price of V shares?
Over the past week, the price has changed by +3.03%, over one month by -7.27%, over three months by -1.40% and over the past year by -3.90%.
Is V a buy, sell or hold?
- StrongBuy: 23
- Buy: 10
- Hold: 7
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the V price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 398.9 | 20.3% |
| Analysts Target Price | 398.9 | 20.3% |
| ValueRay Target Price | 367.2 | 10.7% |
V Fundamental Data Overview January 31, 2026
P/E Forward = 25.9067
P/S = 15.7213
P/B = 16.7353
P/EG = 1.8255
Revenue TTM = 41.39b USD
EBIT TTM = 24.93b USD
EBITDA TTM = 26.20b USD
Long Term Debt = 19.60b USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.59b USD (from shortTermDebt, last quarter)
Debt = 21.18b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 6.42b USD (from netDebt column, last quarter)
Enterprise Value = 633.37b USD (628.59b + Debt 21.18b - CCE 16.40b)
Interest Coverage Ratio = 41.49 (Ebit TTM 24.93b / Interest Expense TTM 601.0m)
EV/FCF = 27.62x (Enterprise Value 633.37b / FCF TTM 22.93b)
FCF Yield = 3.62% (FCF TTM 22.93b / Enterprise Value 633.37b)
FCF Margin = 55.39% (FCF TTM 22.93b / Revenue TTM 41.39b)
Net Margin = 50.23% (Net Income TTM 20.79b / Revenue TTM 41.39b)
Gross Margin = 80.65% ((Revenue TTM 41.39b - Cost of Revenue TTM 8.01b) / Revenue TTM)
Gross Margin QoQ = 80.06% (prev 81.53%)
Tobins Q-Ratio = 6.54 (Enterprise Value 633.37b / Total Assets 96.81b)
Interest Expense / Debt = 0.92% (Interest Expense 194.0m / Debt 21.18b)
Taxrate = 12.98% (873.0m / 6.73b)
NOPAT = 21.70b (EBIT 24.93b * (1 - 12.98%))
Current Ratio = 1.11 (Total Current Assets 35.00b / Total Current Liabilities 31.49b)
Debt / Equity = 0.55 (Debt 21.18b / totalStockholderEquity, last quarter 38.78b)
Debt / EBITDA = 0.25 (Net Debt 6.42b / EBITDA 26.20b)
Debt / FCF = 0.28 (Net Debt 6.42b / FCF TTM 22.93b)
Total Stockholder Equity = 38.34b (last 4 quarters mean from totalStockholderEquity)
RoA = 22.04% (Net Income 20.79b / Total Assets 96.81b)
RoE = 54.22% (Net Income TTM 20.79b / Total Stockholder Equity 38.34b)
RoCE = 43.03% (EBIT 24.93b / Capital Employed (Equity 38.34b + L.T.Debt 19.60b))
RoIC = 35.53% (NOPAT 21.70b / Invested Capital 61.06b)
WACC = 8.44% (E(628.59b)/V(649.76b) * Re(8.70%) + D(21.18b)/V(649.76b) * Rd(0.92%) * (1-Tc(0.13)))
Discount Rate = 8.70% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 3.58%
[DCF Debug] Terminal Value 77.68% ; FCFF base≈21.92b ; Y1≈23.73b ; Y5≈29.45b
Fair Price DCF = 274.6 (EV 469.31b - Net Debt 6.42b = Equity 462.89b / Shares 1.69b; r=8.44% [WACC]; 5y FCF grow 9.37% → 2.90% )
EPS Correlation: 97.73 | EPS CAGR: 16.46% | SUE: 0.71 | # QB: 0
Revenue Correlation: 98.92 | Revenue CAGR: 11.74% | SUE: 0.93 | # QB: 1
EPS next Quarter (2026-03-31): EPS=3.08 | Chg30d=+0.015 | Revisions Net=+3 | Analysts=28
EPS current Year (2026-09-30): EPS=12.82 | Chg30d=+0.020 | Revisions Net=+3 | Growth EPS=+11.7% | Growth Revenue=+11.4%
EPS next Year (2027-09-30): EPS=14.47 | Chg30d=+0.047 | Revisions Net=-1 | Growth EPS=+12.9% | Growth Revenue=+10.0%