Stocks · Financial Services

Visa Inc. (V)

$401.37

−0.69% last session

Market value

$756.9bn

P/E ratio

33.5

Dividend yield

0.82%

52-week range

$294–$415

What Visa Inc. does

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.

Financial Services · based in the US · listed since 2008Biggest source of revenue: Data processing revenue (50%) · breakdownCompany website ↗

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tap a grade for the details

AGrowthGrowing fast

Sales growth, last 12 months14.4% · 81/100

Sales growth a year, 5 years12.9% · 77/100

Earnings per share growth a year, 5 years15.8% · 85/100

AProfitabilityHighly profitable

Net profit margin50.8% · 100/100

Return on equity61% · 100/100

Return on capital, 10-year average30.1% · 100/100

AFinancial strengthRock solid

Net debt ÷ operating profit0.3× · 90/100

Interest cover41× · 100/100

Current ratio (short-term assets ÷ debts)0.99 · 59/100

BValuationReasonably priced

Free cash flow yield2.8% · 49/100

PEG (P/E ÷ growth)2.1 · 48/100

Our base-case value vs price188% · 100/100

AMomentumStrong uptrend

Share price, last 12 months17.9% · 73/100

Share price, last 3 months14.7% · 87/100

Price

+15.4% over 1Y

27 Oct 2026$401.32

Daily closing prices. Source: Twelve Data.

Bull vs bear

The numbers lean bullish (13 vs 2)

The bull case

Very high returns on capital●●●

Averages 30% after tax, a sign of a durable advantage (a 'moat').

A proven grower●●○

Revenue up 11.2% a year for 10 years.

Shareholder-friendly management●●○

Passes 4 of 4 capital-allocation checks.

Our cash-flow model sees value●●○

Base case 188% above today's price.

Low expectations priced in●●○

Today's price implies about 17.8% a year if our base case plays out.

Cash machine●○○

Turns 54% of revenue into free cash flow.

The bear case

Margins shrinking●●○

Operating margin down from 64.2% to 60.0% in three years: competition or costs biting.

Can you answer every bear point? Put your answers in your thesis under risks.

See the full picture on Visa Inc.

Ten years of results, revenue by product and region, a management scorecard, bear/base/bull valuations, analyst targets, every SEC filing explained, and a thesis that checks itself after each report. Free.

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Visa Inc. (V)

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Bull vs bear iLearn

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Bull vs bear

Bull vs bear

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